Critical Illness Insurance - Kotak Secure Shield

In today's stressful world, critical illnesses are becoming more and more common. With Kotak Secure Shield, you can protect yourself and your family against the expenses that come with treating these illnesses, without having to compromise on the quality of healthcare.


Life is full of uncertainties. Due to the unhealthy modern lifestyle, the chances of contracting a disease such as cancer cannot be eliminated. Unforeseen medical expenses in such a case would result in a huge financial strain and would deplete your savings. In order to prevent making such exorbitant expenses from your personal funds, you may invest in a critical illness health plan.

Kotak Secure Shield, helps you protect yourself and your family against expenses associated with any of the illnesses as mentioned in your policy document. This critical illness plan offers a plethora of benefits. You may, therefore, invest in such a plan and protect yourself against unforeseen adversities.

Steps to purchase this policy on Kotak General Insurance website

Availing of Kotak Secure Shield insurance plan is a simple process. You may follow the below-mentioned steps and secure your health today with our critical illness plan.

1. Select the family member you wish to insure

To begin with, you may select the family member whom you wish to insure under the critical health insurance plan. This may include yourself, spouse, daughter, son, mother or father.

2. Enter date of birth

You may then fill details of the date of birth of the individuals you are seeking coverage for.

3. Select amount of insurance

You may then choose the amount of insurance coverage. You may decide this amount based on your needs and requirements.

4. Enter personal details

The next step is to fill your personal details, such as mobile number, e-mail address, and state of residence.

5. Get a quote

Upon entering all your details, you will receive the best quote from us. You may then easily purchase this critical illness insurance online.

Renewal of Kotak Secure Shield

A critical insurance plan is renewable for life. In case your current policy is nearing its expiry date, you may make a timely renewal to continue enjoying the benefits of the plan. However, it is important to note that once a claim payment has been made under Critical Illness Benefit/ Personal Accident Benefit.

True to its name, Kotak Secure Shield provides a shield against critical illnesses. You may, therefore, invest in this critical illness cover to financially protect yourself and your family members.

Product UIN  - KOTHLIP22057V052122

Key benefits

Following are four major benefits of Kotak Secure Shield plan.

Critical Illness benefit: Upon first diagnosis/ occurrence of any of the listed illnesses or undergoing for the first time of the listed surgical procedures, you are entitled to receive a one-time lumpsum sum insured. This helps you meet your medical expenses as well as other financial obligations, such as payment of an existing debt or any other emergency expenses.

Personal accident benefit: In case of death or permanent total disability due to an accident, your family members get the personal accident benefit, thus providing them financial stability.

Child education benefit: In an event of your demise or permanent total disability, our critical illness cover will ensure that your child will continue to receive uninterrupted education.

Loss of job benefit (due to illness/ accident): This benefit provides financial support in case of loss of job due to illness or accident if there is a financial liability in the form of a loan. The maximum benefit payable is upto 3 EMI amount due against the declared loan. Non loan-linked policies cannot opt for loss of job benefit.

The Kotak Edge: When it comes to keeping your money and your life safe and secure, it pays to go with a reputed company. The Kotak Group has an illustrious history that spans over 3 decades, and is considered to be one of the most trusted brands in the country. With Kotak Secure Shield, your health and your family members are in safe hands.


Tax Benefits: Apart from the medical cover, you can also enjoy tax savings under Section 80D of the IT Act 1961 on the premium paid towards the Critical illness section of the policy .

Free Look Period: We understand that you have certain healthcare needs and requirements. That’s why we allow a free look period of 15 days from the date of receipt of the policy to familiarise yourself with the different features and details. If you don’t think Kotak Secure Shield is what you require right now, you can cancel the policy during the free look period without incurring any cancellation charge.

Eligibility: Kindly refer to the table to find out if you are eligible for our Kotak Secure Shield Policy:

Entry Age

Minimum: 18 years Maximum: 65 years

Renewal Age

Life-long renewals allowed

Policy Period

1, 2 & 3 years

Register a Claim/Claim Process

Cashless Claim Process

Critical Illness Claims

Step 1: Intimate us in writing within 10 days of the first occurrence/diagnosis of a Critical Illness

Step 2: Submit all relevant documents* related to a claim within 30 days

Personal Accident Claims

Step 1: Intimate us in writing within 7 days of any injury due to an accident which is likely to give rise to a claim

Step 2: Submit all relevant documents* related to a claim within 30 days

Loss of Job (due to illness/ accident) Claims

Step 1: Intimate us in writing along with the necessary information & documentation* within 30 days of the Insured Person’s termination, dismissal, temporary suspension, or retrenchment from employment

*For a complete list of documentation required for claim settlement, please refer to the Policy Wordings

Waiting Period/Exclusions

At Kotak Mahindra General Insurance, we value transparency above everything else. Here's a list of what we don't cover under our Kotak Secure Shield Policy, so we can avoid any inconvenience at the claims stage. Below is a list of the general exclusions applicable under this policy:

  • Any pre-existing diseases will not be covered until a period of 48 months of continuous coverage has elapsed under the policy, applicable only for critical illness.

  • First occurrence of any medical condition or event within 90 days of policy commencement, applicable only for critical illness

  • Any claim arising or resulting from the Insured Person committing any breach of the law with criminal intent.

  • War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all Heads of State and citizens of whatever nation and of all kinds and acts of terrorism.

  • Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel. For the purpose of this exclusion, combustion shall include any self-sustaining process of nuclear fission.

  • Nuclear weapon materials.

  • Usage, consumption or abuse of substances such as intoxicants, hallucinogens, alcohol and/or drugs.

  • Self-destruction or self-inflicted injury, attempted suicide or suicide.

  • Any sexually transmitted diseases, Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex syndrome (ARCS) and all diseases caused by and/or related to the HIV.

  • Any consequential or indirect loss or expenses arising out of or related to any event giving rise to a Claim under the Policy.

  • While serving in any branch of the Military or Armed Forces of any country during war or warlike operations.

  • Any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. The Policy also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to action taken in respect of any act of terrorism.

A complete list of exclusions can be referred to in the Policy Wordings