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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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