Kotak Critical Illness Insurance - Secure Shield

Age

• 18 to 65 Years

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

Waiting Period

• 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

Hospital Benefits

• 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.
• 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.

Renewability and Coverage

• 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, 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.

Additional Benefits

• 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.
• The Zurich Kotak Edge: When it comes to keeping your money and your life safe and secure, it pays to go with a reputed company. The 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 Secure Shield, your health and your family members are in safe hands.