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Kotak Health Insurance Plans Overview

Kotak health insurance offers 1 health insurance plan. The premium of these plans starts from Rs. 1391/yr. The sum insured ranges from Rs. 5 Lakh - 10 Lakh. Details of the comprehensive coverage provided by the following 1 Kotak health insurance plan is listed below:

Kotak Secure Shield Policy

Starting Premium- ₹ 1,391/yr

Kotak Secure Shield is a fixed benefit plan which covers critical illnesses as well as accidental contingencies.The plan also has various other inbuilt as well as optional coverage benefits which give the plan a comprehensive scope. The features of the plan are as follows

  1. 18 types of critical illnesses and surgical procedures are covered under the plan
  2. Accidental deaths, as well as permanent and total disabilities suffered due to an accident, are covered under the plan
  3. There is also coverage for child education benefit wherein a lump sum benefit is paid in case of accidental death or disability so that the child’s education does not suffer
  4. If you have availed of a loan and you are salaried, coverage is also allowed for loss of job

Eligible Age

18 years - 65 years

PED Waiting Period

4 years


5 Lakh - 10 Lakh



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Kotak health insurance plans allow you premium discounts for buying the policy for 2 or 3 continuous years and paying the premium at one go. There is another discount for covering two or more family members under the same policy. Moreover, under some plans, you can also find a premium discount if you have any other insurance policy offered by Kotak.

The cost of pre-entrance health check-ups is borne by the proposer himself/herself. Thereafter, if the policy is accepted by Kotak and it is issued, 50% or 100% of the costs incurred would be reimbursed by the insurance company.

Pre-existing conditions or illnesses are those health-related complications which the insured already suffers from at the time of buying a fresh policy. Since the insured has an illness at the time of buying the policy, such illness is called a pre-existing illness and it is excluded from coverage for the first 2 to 4 policy years depending on the plan that you select.
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