What is a Medical/ Health Insurance?

Medical/ Health insurance is an insurance policy designed to cover medical expenses arising due to unforeseen illnesses or injuries. The health insurance policy covers hospitalisation expenses and other medical costs that you might incur depending on the coverage offered under the plan.

What are the types of Health Insurance options in India?

There are different types of health insurance plans available in India. These include the following – • Arogya Sanjeevani Policy – This is a standardized health insurance policy issued in accordance with IRDAI guidelines. The policy offers affordable cover for the basic medical expenses that you might incur. • Indemnity health insurance – This policy covers the hospitalisation and other medical expenses that you incur. The policy has a wide scope of coverage and covers the specified medical costs that you have incurred up to specified limits. • Personal accident insurance – This policy covers accidental deaths and disablements. This is a fixed benefit policy which pays a lump sum benefit in claim. • Critical illness insurance – The policy covers specific illnesses and pays a lump sum benefit of the insured suffers from any covered illness. • Top up health insurance - This policy supplements an existing cover at affordable premium rates.

What is the need for health insurance?

With the growing medical inflation, a robust health insurance plan for your family helps meet any medical exigencies. Apart from the coverage, health insurance plans also help in getting access to enhanced medical facilities without depleting your savings. Also know about the consequences of not having a health insurance plans

What is covered under a Health insurance policy?

Coverage under health insurance plans depend on the type of policy that you choose and the coverage that it provides. Health insurance plans at Kotak cover the following common healthcare expenses: • In-patient treatment costs • Day care treatments • Pre and post-hospitalization expenses • Ambulance cover • Free health check at any network provider • Organ donor treatments • Domiciliary treatments • AYUSH treatments

How to save tax with a health insurance policy for your parents?

If you buy a health plan for your parents and pay the premium, the premium paid would qualify as a deduction under Section 80D. The limit of deduction is Rs.25,000 if your parents are below 60 years of age. For senior citizen parents, the limit increases to Rs.50,000.

Why buy a health insurance plan at an early age?

You can enjoy umpteen benefits if you buy a health insurance plan at an early age. A few of the advantages are: • Lesser exclusions in a health insurance policy: Health insurance companies impose exclusions on pre-existing illnesses or diseases that you have already suffered, which is likely to be less at a younger age. Thus, when you buy the plan young, you are likely to be healthy and enjoy a comprehensive scope of protection. • No health check-up Undergoing a health check-up might not be required if you are young. • Waiting out the waiting period Health plans have different waiting periods for different illnesses. When you are young, you might be healthy. As such, you can wait out the waiting period so that when you might develop illnesses, the policy would allow coverage from Day 1. • Tax benefits You can also enjoy tax benefits on the premium paid for the health plan and save taxes. Know more about the tax benefits of health insurance.

What are the health insurance eligibility criteria?

The eligibility criteria depend on the policy that you choose.

What are the factors that affect health insurance premiums?

Here are a few factors that affect the health insurance premium: • Age – Higher the age, the higher is the insurance premium • Pre-existing illness- People suffering from pre-existing illnesses like blood pressure and diabetes need to pay higher premiums • Smoker or Non-smoker- Individuals who smoke need to pay higher insurance premiums than Non-smokers • Sum assured – higher the sum assured, higher would be the premium payable • Policy tenure – if you choose long-term tenures and pay a lump sum premium, the premium would be higher. However, you might enjoy long-term discounts which would reduce the overall premium payable. • Add-ons selected – If you opt for optional add-ons and riders, the premium would be higher since each add-ons or optional cover requires an additional premium. • Available premium discounts – if there are premium discounts that you can claim, the premium would be lower.

How to renew health insurance online?

If you are planning to do renewal of health insurance online, simply follow the below steps: • Visit https://www.kotakgeneral.com/renewal • Select the health insurance policy to initiate the online renewal process • Enter the necessary details, including the policy number, mobile number, and date of birth, and click on 'Submit.'

How does a Health Insurance claim work?

Here’s the process for making a health insurance claim - Cashless claim • To avail this facility, you need to ensure that the treatment is being taken at the empanelled hospital listed in the insurance policy document • Approach the hospital 48 hours prior to hospitalization • Produce the pre-hospitalization form along with an identity proof and medical documents at the cashless deck in the hospital • In case of an emergency, you need to visit the cashless deck at the hospital within 24 hours of hospitalization • Submit the ID proof along with the medical documents • Once the cashless claim is approved, you will be required to pay the deductibles. Reimbursement claim • In case the hospital is not listed in-network list, you can opt for a reimbursement facility: • Get in touch with us at 1800 266 4545 or care@kotak.com • Submit all the original hospital bills, and discharge documents along with the reimbursement claim. • Post verification, the claim will be settled within 15 days Know about the various ways to make a health insurance claim

How to choose the right health insurance cover?

To select the right health insurance cover, here are a few things you should keep in mind: • Compare multiple health insurance policies to find a policy which offers the coverage features that you need and is comprehensive • Check for the cashless network hospitals – the wider the better • Check for the exclusions of the health policy – the lesser the better • Look for the claim settlement ratio – the higher the better • Pre-existing illness cover – check how soon pre-existing illnesses are getting covered. The sooner, the better • Know about add-on covers so that you can choose the relevant ones • Choose a trusted brand for a hassle-free claim experience For instance, if you are searching for a health insurance that covers life-threatening diseases, then you can opt for Kotak Shield Secure to protect you and your family.

Which are factors that affect your health insurance premium?

While buying the policy, the cost of the premium is often the most important thing you may evaluate. While calculating health insurance premiums, a lot of factors are taken into consideration; these include: • Age of the insured policyholder • Type of health plan • Sum assured • Lifestyle choices • Add-on covers • Pre-existing diseases • Family medical history • Number of family members being covered • Geographical location etc.

Can I add more people to my existing policy?

Yes. You have the flexibility to add more people to the existing health insurance policy. However, the health insurance premium also increases with the inclusion of a new member.

From which age can I include my children in the health insurance plan?

Children of any age can be included in the health insurance policy right from the day they are born. For instance, if you have purchased Kotak Heath Care Policy, you can include your child (up to 25 years) in the existing policy.

Am I required to take a medical examination before buying health insurance?

The requirement of a medical examination depends on your age, sum insured and the policy that you choose. Some plans might require a medical check-up while others might not. However, if you are older and/or if you are opting for a high sum insured, the medical examination usually becomes necessary before the coverage is granted.

What do I do if I am admitted to a non-network hospital?

If you or any member of your family is admitted to a non-network hospital, you can request the insurance company for reimbursement of the hospital expenses. Health insurance policyholders at Kotak General Insurance can initiate the process in the following way: • Call on 1800 266 4545 or mail us at care@kotak.com • Collect the reimbursement form from the hospital • After the discharge, submit the claim form to the insurance company along with the original copy of hospital bills, discharge report & other payment receipts • Post verification, the insurance company may approve or disapprove the claim

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* The above data is till 31st March, 2023

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In-patient Treatment

Medical expenses like room rent, ICU charges, operation theatre charges, doctor’s fees, etc. arising out of minimum 24 hours of hospitalization will be covered.

Day Care Treatment

Medical expenses incurred for listed 405 day care procedures will be covered which require less than 24 hours hospitalization. The complete list is available on our website www.kotakgeneral.com.

Pre and Post-Hospitalization Medical Expenses

Pre & post hospitalization medical expenses upto specified number of days Prior to admission and after discharge based on the plan opted will be covered.

Restoration Benefit

There will be a 100% restoration of the Base Sum Insured once in a policy year in case the Base Sum Insured and Cumulative bonus is insufficient as a result of previous claims in that policy year.

Cumulative Bonus

Cumulative Bonus can be earned upto 50% / 100% of the Sum Insured as per plan opted in case of a claim free year at 10% per year. There will be no reduction in Cumulative Bonus in case of a claim.

Annual Health Check-up

The policy includes one free health check-up for each Insured Person above 18 years of age for specified tests. Availing the health check-up will not impact the Base Sum Insured or the Cumulative Bonus. This will be offered regardless of any claim in the Policy.

30 Day Waiting Period

Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident. This exclusion doesn't apply if the Insured Person has Continuous Coverage for more than twelve months.

Specified disease / procedure waiting period

This includes medical expenses incurred for certain specified illnesses or conditions like Hernia, Fissures/Fistula, Arthritis, Gout etc. during the first 2 consecutive years of the commencement of the policy.

Pre-existing Disease Waiting Period

Any Pre-Existing Disease will not be covered until waiting period as per Plan opted for as elapsed.

Permanent Exclusions

Treatment for Alcoholism, drug or substance abuse, Intentional self-injury, cosmetic surgery, Expenses related to any unproven treatment, Expenses related to sterility and infertility, Claims related to b

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Hospital Daily Cash

It will pay a specified daily cash amount from day one in case the hospitalization extends for at least 3 consecutive days.

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Kotak Health Super Top-up

A top up health insurance plan that provides high health insurance coverages at affordable rates.

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Kotak Secure Shield - Critical illness insurance

With Kotak Secure Shield, you can protect yourself and your family against the expenses that come with treating 18 listed critical illnesses, without having to compromise on the quality of healthcare.

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Kotak Accident Care - Personal Accident Insurance

Personal accident policy is specially crafted to cover you and your family with a financial cushion against various events arising out of an accident.

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Kotak Health Super Top-up

A top up health insurance plan that provides high health insurance coverages at affordable rates.

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Kotak Secure Shield - Critical illness insurance

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No regrets for choosing kotak health insurance policy. Very happy to share this feed back.

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This was my first claim in last 4 years and I must say that everything went smoothly.

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Appreciate the assistance of the concerned claim teams. Also prompt action and consideration are greatly appreciated along with proper guidance.

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All About Health Insurance Calculator

So stay informed about health insurance calculator

What is Health Insurance Calculator?

Are you planning to buy Kotak Health Insurance policy? Using this health insurance premium calculator tool, you can simplify your concerns about premium costs and find a health policy that fits your need budget. The Health Insurance Calculator is an online, free tool that estimates the premium payable for a health insurance plan. This will help you buy the best health insurance plan based on factors such as age, profession, gender, and family members, including medical history covered, among others. If you choose any add-on cover to enhance your existing health insurance, you can readily know the cost of the premium in an instant.

Benefits of Health Insurance Calculator

Choosing the best health insurance policy in India can be very easy if you have the proper guidance right from the start. Using the online health insurance calculator is one of the mediums to make the entire policy buying process hassle-free, especially when it comes to assessing the premium cost. So, below are some of the benefits of a health insurance calculator:

The tool helps you select the right health insurance policy that meets your requirements and fits your budget
The easy-to-use health insurance premium calculator provides accurate results in a few minutes, thus saving time and energy
The health insurance premium calculator tool helps you determine the exact premium cost you would incur for a health plan so that you can plan your finances in a better way.
In case you select any add-on health, the online tool helps you assess the additional premium cost
It is a great tool to be aware of the health insurance premium liabilities, which are often complex to understand.

How to use Health Insurance Calculator?

Using the health insurance calculator is time-saving, easy and convenient. Simply follow the below steps to know if a policy suits your budget:

Select from the various Kotak Health Insurance plans
Enter the birth date details of the member /s you wish to insure
Select the sum insured amount that you think will provide adequate health cover based on your financial requirements.
Enter your basic details such as mobile number, email id, etc.
Specify any existing medical condition in order to calculate the premium amount
Get a quote

Parameters that influence health insurance premium

The insurance premium for any health-related issues depends on several factors. The most significant ones include the following:

Pre-existing medical condition

You will be required to provide complete health records when applying for a health insurance policy. If you have any pre-existing medical condition such as diabetes or high blood pressure, the premium will be higher.

Body Mass Index (BMI)

The BMI will determine the premium for an applicant. Individuals with a high BMI will have a higher premium rate because a higher BMI may lead to a number of medical conditions and illnesses.

Family medical history

If the family members of the applicant have any critical medical conditions, the premium for health insurance will be high for the policyholder, since it puts them at a higher risk.

This is an important deciding factor as elder people are more susceptible to illnesses.

Health insurance policy calculator

It is advisable to gain information about the premium payable on health insurance before zeroing in on it. A medical insurance premium calculator will come in handy for this purpose.

We offer two health insurance policies—Critical Illness Cover with Kotak Secure Shield and Comprehensive Health Insurance Plan . We also have a policy calculator that will provide a quote based on the applicant’s personal details.

This health insurance premium calculator will require you to provide information about the individual you seek to purchase a cover for. It should include the age of the applicant and the amount you wish to insure. If you are purchasing the policy for a number of members of your family, you will have to furnish information about all of them. Also, specify any existing medical condition in order to calculate the premium amount.

Family health insurance premium calculator

A family health insurance premium calculator is used for selecting a comprehensive health insurance plan. It is suitable for separate policies for multiple family members, as well as, an entire family together under one policy. Details about the age of every member should be provided in addition to the insurance amount. Based on the given information, you will be able to calculate the amount of premium payable for the policy.

Kotak General Health Insurance Plans

Critical Illness Insurance - Kotak Secure Shield	Personal Accident Insurance - Kotak Accident Care	Health Insurance Policy - Kotak Super Top Up
Comprehensive Health Insurance - Kotak Health Premier Plan	Saral Suraksha Bima Policy Online

Health Insurance by City

Health Insurance in Mumbai	Health Insurance in Bangalore	Health Insurance in Chandigarh
Health Insurance in Hydrabad	Health Insurance in Kolkata	Health Insurance in Delhi
Health Insurance in Chennai

Important Health Insurance Blogs

Ways to Claim Health Insurance	Reasons to opt for Cashless Hospitalisation	Reasons to buy Health Insurance Online
World Health Day	World No Tobacco Day	Tax Deduction on Health Insurance
Critical Health Insurance Policy	Claim Ratio in Health Insurance	Family Health Insurance Plans

Health Insurance Calculator - Frequently Asked Questions

A health insurance calculator is a free online tool that provides an estimate of the premium payable for health insurance policy basis the information provided by you.

A health Insurance premium calculator assesses premium payable for the health insurance policy based on combination of factors such as - sun insured, person's age, gender, lifestyle and health, type of policy - individual or floater, etc.

To use health insurance premium calculator, click here.

Enter your preferred health insurance plan – family floater plan, Individual health insurance policy, or family individual insurance policy.
In case of family plans, you need to select the family members for whom you want the health insurance coverage and enter the age of each family member • In case of an individual plan, you only need to enter your age
The calculator will show you your assured amount
The next step is to enter details such as your phone number, email address, and the state to know the health insurance premium.

The benefits of using a health insurance calculator are:

It is easy to use and convenient
Calculates your premium amount instantly
Helps you know the premium before purchasing the policy
Allows you to compare the different health insurance plans

A few of the factors affecting health insurance premiums are:

Age
Medical History
Lifestyle
Smoker and Non-smoker
Pre-existing health conditions
Geographical location

To reduce the premium for a health insurance policy, consider the below factors:

Buy a health insurance policy at an early age
Choose sum assured that meets your requirement
Opt for higher deductibles
Choose top-ups plans

Yes, health insurance premium increases with your age, and it is a significant factor in affecting the health insurance premium. This is because the chances of health risks increase with age. Also, the medical expenses rise with healthcare, treatments, and surgeries. Ageing also brings with it a higher chance of getting critical illness such as cancer, heart problems, organ failures, etc

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All About Health Insurance Calculator

Health Insurance Calculator - Frequently Asked Questions

What is Health Insurance Calculator Online?

How does Health Insurance Calculator work?

How to use a Health Insurance Premium Calculator?

What Are the Benefits of Using a Health Insurance Calculator?

What Are the Factors That Influence Health Insurance Premiums?

How to Reduce the Premium of Your Health Insurance Policy?

Does health insurance premium increase with age?

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Health Insurance Premium Calculator

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Amazing thingsAwait in your policy

Get Quick Support

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Cut the wait time

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Health Insurance

Health Insurance

Health Insurance

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Health Insurance

Health Insurance

All About Health Insurance Calculator

Health Insurance Calculator - Frequently Asked Questions

What is Health Insurance Calculator Online?

How does Health Insurance Calculator work?

How to use a Health Insurance Premium Calculator?

What Are the Benefits of Using a Health Insurance Calculator?

What Are the Factors That Influence Health Insurance Premiums?

How to Reduce the Premium of Your Health Insurance Policy?

Does health insurance premium increase with age?

"Always by your side. Keeping you safe"

We say,
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