Zurich Kotak Health Insurance

Key features of Zurich Kotak health insurance plans

• Individual, family floater, as well as group health insurance plans, are offered by Zurich Kotak
• Zurich Kotak health insurance plans offer lifelong renewability if the plan is renewed timely
• Claims are handled by the company internally so that you can get a quick settlement of your claims
• You can choose from a range of indemnity oriented health insurance plans as well as fixed benefit health insurance plan

Why choose Zurich Kotak health insurance? Here are some benefits of Zurich Kotak health insurance plans which make them an ideal choice for your health insurance requirements

• The company offers customised products which suit the coverage requirements of every individual
• Zurich Kotak keeps the customer at the forefront and offers customer-friendly services
• Digital applications and technology is applied to the processing of claims which makes claim settlement quick and easy
• The company has tie-ups with most leading hospitals in the country so that you can avail cashless claim settlements
• The company has a network of more than 4000 cashless hospitals

What is covered under Zurich Kotak Health Insurance plans?

• Pre-hospitalisation expenses = Under this head, the expenses which lead up to the hospitalisation of the insured member are covered. These expenses can be expenses incurred on diagnostic tests, doctor’s consultations, medicines, etc. Pre hospitalisation expenses are covered for up to a specified number of days before hospitalisation
• 2) Inpatient hospitalisation expenses = This head covers the primary chunk of medical expenses which are incurred when you are an insured member is hospitalised and undergo treatments. Inpatient hospitalisation expenses are covered up to the sum insured. The different types of expenses which are covered under this head include room rent, ICU charges, doctor’s fees, surgeon’s fees, operation theatre charges, costs incurred on blood, oxygen, medicines, anaesthesia, etc.
• Post hospitalisation expenses = Under this head, the expenses incurred after you are discharged from the hospital are covered. These expenses are incurred on the recovery and monitoring of your health. Post hospitalisation expenses are also covered for up to a specified duration which is mentioned in the policy
• Daycare procedures = There are different procedures which do not require hospitalisation for 24 or more hours because of the advancement of medical treatments. Such procedures are called daycare procedures and they are covered under Zurich Kotak health insurance plans up to the sum insured that you have selected
• Organ donor expenses = If you are undergoing an organ transplant surgery, the costs incurred in harvesting the organ from a donor are covered under this head. These expenses are also covered up to the sum insured
• Ambulance costs = If you are transported to a hospital using an ambulance, the cost of hiring the ambulance is covered under Zurich Kotak health insurance plans. This cost is covered up to a specific limit every policy year
• Domiciliary treatments = Most health insurance plans offered by Zurich Kotak also cover treatments which are taken at the insured’s home if the insured cannot be moved to the hospital or if there are no vacant hospital beds. Such home treatments are called domiciliary treatments and they are covered up to a specified limit or up to the sum insured depending on the plan
• AYUSH treatments = AYUSH treatments are treatments taken using Ayurveda, Unani, Siddha or Homeopathy techniques. Such treatments are covered under some health insurance plans offered by the company
• Maternity cover = This cover is available under specific Zurich Kotak health insurance plans. Under this cover, the cost of childbirth and pregnancy is covered. Coverage is allowed up to specified limits and it would be available after a specified waiting period
• Free health check-ups = Zurich Kotak health insurance plans also allow free health check-ups for adult insured members. These check-ups are usually allowed every year so that you can monitor your health and take the necessary steps to lead a healthy lifestyle