A comprehensive Health insurance plan from Kotak
| Title | Description |
|---|---|
| Title | Description |
| Room Rent Limit | No Sub Limit |
| ICU Daily Rent Limit | No Sub Limit |
| Pre-Hospitalization Expenses | 2 lacs - 20 lacs - 60 days I 25 lacs - 200 lacs - 90 days |
| Post Hospitalization Expenses | 2 lacs - 20 lacs - 60 days I 25 lacs - 200 lacs - 90 days |
| Minimum Hospitalization Period | NA |
| Day Care Procedure Coverage | 405 Named Day-care Surgeries & Procedures |
| Additional Cover for Critical Illness | Additional Sum Insured equivalent to Base Sum Insured and subject to a maximum of 10 lacs |
| Automatic Restoration of Sum Insured | Restoration of 100% of Base Sum Insured |
| Pre-Existing Disease / Illness coverage | 48 months for all age groups Option to reduce waiting period to 36 / 24 months |
| Waiting Period for New Policy | 30 Day Waiting Period |
| Co-Payment | NA |
| Medical Screening | The customer might have to undergo Medical Tests based on the underwriting guidelines issued by the company from time to time. |
| Free Health Checkup | For each Insured Person above 18 years of Age, each Policy Year for specified tests |
| Ambulance Expenses | 2 lacs - 20 lacs - ` 20000 per year I 25 lacs - 200 lacs - ` 50000 per year. Air Ambulance Cover:-Upto 10% of Base Sum Insured and subject to a maximum of 5lacs |
| Non-Allopathic Treatments | Upto Base Sum Insured |
| New Born Baby Cover | Optional Cover Within Maternity Benefit Sum Insured |
| Daily Hospitalization Allowance | NA |
| Donor Expenses | In-patient hospitalization expenses of the donor in case of an organ transplant will be covered |
| Attendant Allowance | NA |
| Nursing Allowance | Optional Cover: Upto ` 3,000 per day for a maximum of 15 days after completion of number of days under post hospitalization cover for the medical services of a nurse at your residence |
| No Claim Discount | NA |
| No Claim Bonus | 2 lacs - 20 lacs - 10% of the Base Sum Insured, upto a maximum of 50% for each claim free year; No reduction in case of claim 25 lacs - 200 lacs - 10% of the Base Sum Insured, upto a maximum of 100% for each claim free year; No reduction in case of claim |
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