Sum insured₹10 L – ₹1 Cr
CSR—
Network hosp.7K+
PlanIndividual
- Zero co-payment at any age
- No room rent cap (any room category)
- 100% restoration of sum insured
Covers: Self + spouse (2 adults 18+), Up to 4 dependent children (3 months–25 years)
Zurich Kotak General
Kotak Health Premier
Sum insured
₹2 L – ₹2 Cr
7K+Network
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Key features
- 405 day-care surgeries and procedures covered
- Pre-hospitalisation cover for 60 days
- Post-hospitalisation cover for 90 days
- Restoration benefit: 100% of base sum insured restored once per policy year
- Cumulative bonus up to 100% of sum insured
- Free annual health check-up for each insured aged 18+
- Maternity benefit (optional): ₹25,000 normal / ₹35,000 caesarean after 3-yr wait
- Newborn baby cover within maternity sum insured (optional)
- Daily hospital cash ₹1,000/day (min 3 days, max 10 days)
- Convalescence benefit ₹15,000 if hospitalised >10 days
- Home nursing up to ₹3,000/day for 15 days post-discharge
- Air ambulance up to 10% of SI, max ₹5 lakh
- Compassionate visit cover up to ₹20,000
- Optional Critical Illness add-on (additional SI, max ₹10 lakh)
- Available in individual and family floater forms
What’s included
- In-patient hospitalisation up to base sum insured
- Pre-hospitalisation expenses (60 days)
- Post-hospitalisation expenses (90 days)
- Day-care treatments (405 procedures)
- Road ambulance up to ₹20,000/year
- Cataract surgery up to 10% of SI / max ₹1 lakh per eye
- Restoration of sum insured (100% once per year)
- Cumulative bonus on claim-free renewal
- Annual preventive health check-up (age 18+)
- Daily hospital cash benefit
- Convalescence benefit
- Home nursing benefit
- Optional maternity and newborn cover
- Optional vaccination cover up to ₹5,000 (3-yr wait)
- Optional critical illness, personal accident, air ambulance covers
What’s excluded
- Injury or illness due to alcohol/drug intoxication
- Mental illness (subject to MHC Act provisions)
- Intentional self-injury / attempted suicide
- Aesthetic and cosmetic surgery
- Experimental and unproven treatments
- Injuries from participation in criminal acts
- War, nuclear, terrorism-related claims
- Treatment outside India (unless specified)
Eligibility
- Min age
- 0 years
- Max age
- 65 years
- Max entry age
- 65 years
- Covers
- Self, Spouse, Dependent Children, Dependent Parents, Parents-in-law, Siblings
- Policy term
- 1, 2, or 3 years
- PED waiting period
- 24 / 36 / 48 months depending on variant
- Initial waiting
- 30 days (excluding accidents)
- Co-payment
- Optional / variant-based co-payment (10-20% as per zone or variant)
- Room rent
- Single private room; capped based on variant/sum insured
- No-claim bonus
- Cumulative bonus 10% per claim-free year, up to 100% of base sum insured
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