Kotak Health Premier

Age

• 18 years & above

Waiting Period

• Waiting Period for PED - 36 Months
• 30 Day Waiting Period - This includes any illness contracted or medical expenses incurred within 30 days of commencement of the policy unless due to an accident. This exclusion also doesn’t apply to the renewal of policy with us or to anyone whose policy has been accepted under the portability benefit.
• 2 Year 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.

Hospital Benefits

• Day Care Treatment - This will cover medical expenses which require less than 24 hours of hospitalisation
• In-patient Treatment - This covers medical expenses like room rent, ICU charges, operation theatre charges, doctor's fees, etc., arising out of a minimum of 24 hours of hospitalisation
• Pre-Hospitalization Medical Expenses - The policy covers medical expenses before hospitalisation based on the plan opted 60 days
• Post-Hospitalization Medical Expenses - The policy covers medical expenses before hospitalisation based on the plan opted 90 days
• Ambulance Cover Up to Rs.20,000/year
• Organ Donor Cover Up to base sum insured
• Annual Health Checkup
• There will be a 100% restoration of the Base Sum Insured once in a policy year if the Base Sum Insured and Cumulative bonus are insufficient due to previous claims
• Health & Rewards Available
• Hospital Daily cash - Rs.1000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
• Home Nursing Benefit - Upto Rs.3,000 per day for a maximum of 15 days after completion of number of days under post-hospitalisation cover
• Daily Cash for Accompanying an Insured Child - Rs.1000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
• Convalescence Benefit -This benefit pays a lumpsum-specified amount if the hospitalisation exceeds a minimum period of 10 consecutive days

Additional Benefits

• Maternity Benefit - Upto Rs. 25,000 for normal delivery and up to Rs. 35,000 for cesarean delivery
• New Born Baby Cover - Within Maternity Benefit Sum Insured
• Vaccination expenses - Upto Rs. 5,000
• Air Ambulance Cover - Upto 10% of base Sum Insured & subject to a maximum of Rs. 5 Lacs
• Critical illness Cover - Additional Sum Insures equivalent to the Base Sum Insured and subject to a maximum of Rs. 10 lacs
• Personal Accident Cover - Additional Sum Insures equivalent to the Base Sum Insured