A comprehensive health insurance to protect you & your family
An instant policy with zero paper-work
Quick and hassle-free claim process
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7700+
Cashless Hospital Network
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Claims
94%
Claim Settlement Ratio
24/7
Around the clock Assistance
* 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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A top up health insurance plan that provides high health insurance coverages at affordable rates.
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Learn moreSo 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:
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:
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:
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.
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.
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
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
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.
The benefits of using a health insurance calculator are:
A few of the factors affecting health insurance premiums are:
To reduce the premium for a health insurance policy, consider the below factors:
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