Kotak Health Care- Prime Plan

What is the Plan all About?

Kotak Health Care- Prime is a comprehensive health insurance plan that caters to complete healthcare needs of you & your family members. This plan provides a complete cover against hospitalization expenses. Under this plan, you can opt a cover of up to 100 Lacs that ensures a wider health cover for your entire family.

Key Features

Wide range of health cover for you & your family
Health cover of up to 100 Lacs is available
Add-on covers are available
No pre-policy medical check-up to 45 years
Cashless hospitalization across 4000+ network hospitals
Enjoy lifetime renewability
Tax benefits are available

Policy Benefits

In-patient treatment expenses such as hospital room rent, boarding, nursing expenses, ICU charges, operation theater charges, blood, oxygen, medicines, etc. are covered after having a minimum of 24 hours of hospitalization.
Pre hospitalization expenses are covered for 30 days prior hospitalization.
Post hospitalization expenses are covered for 36 days after discharge from hospital.
150 specified day care procedures/surgeries that require hospitalization for less than 24 hours are covered.
11 add-on covers to enhance the policy benefits.

Value Added Benefits

Get cumulative bonus of 10% for every claim-free year, to a maximum of 50% of the Base Annual Sum Insured.
Expenses incurred towards emergency ambulance services are covered, as specified under the plan.
Free annual health check-ups for every insured person aged more than 18 years, for specified tests. This benefit is applicable regardless of any claim lodged/paid in the policy.
Get cashless treatment in any of the listed network hospitals.
Avail tax benefits for premium paid under section 80D of the IT Act, 1961.

Sub Limits

No Room Rent sub limit is applicable.
No co-pay is applicable under this plan.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
Specific Waiting Period: Specific illnesses such as Cataract, Hernia, Arthritis, Fissures/Fistula, etc. are covered after 24 months of continuous policy coverage.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury is covered after a continuous policy coverage for 48 months.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 91 Days	Adult: 65 Years, Children: 25 Years
Sum Assured	10 Lacs	100 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1/2 Years	3 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Hospital Daily Cash, Convalescence Benefit, Donor Expense, Critical Illness Cover, Double Sum Insured, Domiciliary Hospitalisation Cover, Alternative Treatment, Maternity Benefit, New Born Baby Cover, Compassionate Visit, & Restoration Of Sum Insured	-