Health Insurance Premium Calculator

A comprehensive health insurance to protect you & your family

Keep your loved onesprotected

We look after your and your family's health, even when times are tough.

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+91

You can insure 2 adults with age 18-65 years and 3 children with age 91 days to less than 18 years

Buy online to avail 2.5% discount on policy premium

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An instant policy with zero paper-work

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Quick and hassle-free claim process

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4/5

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We take your safety seriously

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9000+

Cashless Hospital Network

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Jet-Speed

Claims

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89%

Claim Settlement Ratio

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24/7

Around the clock Assistance

* The above data is till 30th September, 2023

Supreme Offerings

Awesome covers,added security awaits you

Amazing thingsAwait in your policy

Cause awesomeness has no endingimage

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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Pre-existing Disease Waiting Period

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

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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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Generous Benefits

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Generous Benefits

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Hospital Daily Cash
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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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Policy wording
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Explorer Kotak Health Insurance Products

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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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The perfect coverage for your dream car

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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 Health Insurance
Reviews & Ratings

Look what they have to say

Kotak Health Insurance
Reviews & Ratings

Look what they have to say

We are very happy if you are satisfied with our service and products. Let's read pure reviews from customers who bought our products.

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Health Insurance

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

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Health Insurance

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

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Health Insurance

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.

  • Age
  • 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

Important Health Insurance Blogs

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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"Always by your side. Keeping you safe"