Kotak supports both cashless claims and reimbursement claims. This section covers the information on how to check Kotak health insurance claim status, fill Kotak health insurance claim form, and the claim settlement process.

You face a claim in your health insurance policy when the contingency which is covered under the policy occurs. To make a claim, you should follow some steps and the claim would be settled

These steps are as follows

Inform Kotak Mahindra General Insurance Company of the claim. This intimation can be done online. You can visit the company’s home page and choose ‘I want to Register a non-motor claim’
You can also call the company’s toll-free number 1800 266 4545 or send an email to care@kotak.com for intimating the company of your health insurance claim
If you are taking treatments at a networked hospital, you can make a cashless claim. For this claim, a pre-authorisation form should be filled and submitted to Kotak Mahindra General Insurance Company
The pre-authorisation form should be submitted 3-4 days before you are planning your hospitalisation. In case of emergency hospitalisation, the form should be filled and submitted within 24 hours of such hospitalisation
Once the form is submitted, Kotak would assess your claim and approve it
Once you receive the approval of your claim, you would be eligible to get cashless services
You can take treatments and your medical bills would be settled by Kotak directly with the hospital at which you are being treated
Once you are discharged from the hospital, you should fill up a claim form and submit all the required documents to complete the claim settlement process

If you are getting treated at a non-networked hospital, you would have to bear your medical expenses yourself. Once you are discharged, the claim form should be filled and submitted and Kotak would reimburse you for the medical expenses that you have incurred