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Kotak Health Maximiser

A Non-Linked, Non Participating, Health Plus Life Combi Insurance Plan

You work so hard to build a secured and stable life for you and your loved ones, but in present times, only working hard is not enough, it is important to have a financial plan in place. While you take adequate measures to take care of your health, you still need insurance to secure your health as well as life.
We understand this need of yours and present Kotak Health Maximiser – a specially designed solution that offers a combination of Life and Health cover under a single plan. This plan provides for regular hospitalization benefits under the health insurance policy provided by Kotak Mahindra General Insurance Company Limited. In the unfortunate event of death of the Proposer during the term, the beneficiary would receive Death Benefit as per plan option selected under the life insurance cover provided by Kotak Life Insurance Company Limited.

Offerings that add MORE benefits under One Plan.

  • 5% Combi Discount*- that gives MORE power to you
  • Easy Issuance with Minimal Documentation- that gives MORE peace of mind to you and your loved ones
  • 7800+ Network Hospitals**- that gives MORE accessibility in time of need
  • Get Dual Tax Benefit under Sec 80C and 80D#- that gives MORE savings

Key Features

  • Health Benefits:

    Health Benefits:

    • In-patient Treatment: Medical expenses like room rent, ICU charges, operation theatre charges, doctor’s fees, etc. arising out of minimum 24 hours of hospitalization will be covered
    • Day Care Treatment: Medical expenses incurred for listed 405-day care procedures will be covered which require less than 24 hours’ hospitalization
    • Restoration Benefit: There will be a 100% restoration of the Base Sum Insured once in a policy year in case the Base Sum Insured and Cumulative bonus is insufficient due to previous claims. In case of accident related claims, restoration will be applicable from first claim onwards. This restored amount can be used for all future claims not related to the same illness for which a claim has been made for the same Insured Person
    • Cumulative Bonus: Cumulative Bonus can be earned up to 50%/ 100% of the Sum Insured as per plan opted in case of a claim free year at 10% per year

    • Annual Health Check-up: The policy includes one health check-up for each Insured Person above 18 years of age for specified tests. Availing the health check-up will not impact the Base Sum Insured or the Cumulative Bonus. This will be offered regardless of any claim in the Policy

  • Term Benefits:

    Term Benefits:

    • Death Benefit under Life Cover
    • In case of the unfortunate event of death of the Proposer (Life Insured 1) during the policy term, the Death Benefit payable shall be Sum Insured opted for under Life Cover. In case any balance premium for the policy year was left un-paid due to death of the Proposer (Life Insured 1), the same shall be deducted from the Sum Insured before the pay-out is made to the beneficiary
    • The benefit shall be paid out as lump-sum. Once the benefit is paid out, the Life Cover shall cease and the Health Cover may continue for other members, as long as the premiums are being paid

Eligibility

  • Eligibility

    Entry Age: (as on last birthday)

    Eligibility Criteria Life Cover Health Cover
    Entry Age (as on last birthday) Minimum: 18 years
    Maximum: 55 years
    Minimum: 18 years (adult); 91 days (child)
    Maximum: 55 years (adult); 25 years (child)
    Maturity Age (as on last birthday)
    Exit Age (Health Cover)
    Minimum: 23 years
    Maximum: 70 years
    There is no exit age. Lifelong Renewal shall be allowed under Health Cover
  • Eligibility

    Policy Term/ Policy Period

    Eligibility Criteria Life Cover Health Cover
    Policy Term/ Policy Period Minimum: 5 years
    Maximum: Up to 30 years
    1 year
  • Eligibility

    Premium Payment Term (PPT)

    Eligibility Criteria Life Cover Health Cover
    Premium Payment Term (PPT) Regular Pay: Equal to Policy Term 1 year
  • Eligibility

    Premium Payment Mode

    Eligibility Criteria Life Cover Health Cover
    Premium Payment Mode Yearly Yearly
  • Eligibility

    Premium

    Eligibility Criteria Life Cover Health Cover
    Premium ased on Sum Insured, Policy Term, Gender & Premium Payment Option Based on Sum Insured, Policy Term, Age, Zone, Policy Type.
  • Eligibility

    Sum Insured

    Eligibility Criteria Life Cover Health Cover
    Sum Insured Rs. 5,00,000 Rs. 5,00,000 / Rs. 7,50,000 / Rs. 10,00,000 / Rs. 15,00,000 / Rs. 20,00,000
  • Eligibility

    Policy Type

    Eligibility Criteria Life Cover Health Cover
    Policy Type Individual Individual / Family Floater Policy
  • Eligibility

    Relationships Covered

    Eligibility Criteria Life Cover Health Cover
    Relationships Covered Individual Individual Policy - Self
    Family Floater - Maximum of 2 Adults &
    3 Children
  • Eligibility
    Eligibility Criteria Life Cover Health Cover
    Relationships covered: Self
    - Your Legally married spouse,
    -Natural or adopted dependent children

Read about Tax benefits & Plan Disclaimer

Disclaimer

*You are eligible for 5% premium discount on the first year total premium. However, for Health Cover, the Combi Discount shall be applicable as long as the Life & Health cover is renewed together. There is no renewal discount on Life cover
**Data as on May 2023
# Tax laws are subject to amendments from time to time. The customer is advised to take an independent view from a tax consultant. Tax benefits are subject to conditions specified under Section 80C and Section 80D of the Income-tax Act, 1961. The tax benefit is applicable as per the Income Tax Act, of 1961

Terms & Conditions

Kotak Health Maximiser - UIN: KOTHLIP24026V012324 is a Combi Product with both protection & health benefits. It is a jointly offered product of Kotak Mahindra Life Insurance Company Limited and Kotak Mahindra General Insurance Company Limited, where protection benefits are being offered by Kotak Mahindra Life Insurance Company Ltd. under Kotak Term Plan - UIN 107N005V06, Form No. N005 and health benefits are being offered by Kotak Mahindra General Insurance Company Ltd under Kotak Health Premier – UIN KOTHLIP23109V042223; The risks of this product are distinct and are accepted by respective companies. Please refer to the Policy Document for specific details on all terms, conditions and exclusions. #For more options on plans, coverages, features, premium paying term, eligibility, etc. please get in touch with the Company Representative. Please know the associated risk and applicable charges from your insurance agent or the intermediary or the policy document of the insurer.

ARN: KGI/23-24/II/E-BN/2307

Kotak Mahindra General Insurance Company Ltd.: Registered Office: 27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra East, Mumbai – 4000051. Maharashtra, India. CIN: U66000MH2014PLC260291. IRDAI Reg. No. 152. Website: www.kotakgeneral.com I Email: care@kotak.com I Toll-Free No: 1800 266 4545
Kotak Mahindra Life Insurance Company Ltd.: Regn. No.: 107, CIN: U66030MH2000PLC128503, Regd. Office: 8th Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai - 400 051. Website: www.kotaklife.com | WhatsApp: 9321003007 | Toll-Free No: 1800 209 8800

Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life Insurance Company Limited and Kotak Mahindra General Insurance Company Limited under license.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS /FRAUDULENT OFFERS

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

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