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Kotak Protect India

An Individual Non Linked Non-Participating Pure Protection Life Insurance Plan

Kotak Protect India is a plan that offers the younger generation a short duration sachet life insurance cover at an affordable price. It is a pure protection plan which allows you to enhance your cover through multiple optional benefits and provides flexible premium payment terms, choice of policy term and lots more. Additionally, you will also have unlimited access to primary care physicians, specialist doctor consultations and the Wellbeing App without any additional cost.

Now while you work hard on your ambitions to achieve the pinnacle of success, we will shield you with an insurance plan which will give your dependents the financial security in case of an unfortunate event.

Key Features

  • Sachet Life Cover

    Sachet Life Cover

    Offers life cover at economical price

  • Flexibility to increase Life Cover through Multiple Policies

    Flexibility to increase Life Cover through Multiple Policies

    Keep increasing your Life Cover as per your requirement

  • 2 Optional Benefits

    2 Optional Benefits

    Enhance the plan benefits through Accidental Death Benefit & Hospi Benefit

  • Manage a Healthy Lifestyle with inbuilt additional benefits

    Manage a Healthy Lifestyle with inbuilt additional benefits

    Make the most out of our Wellbeing App & Unlimited Access to Primary Care Physicians and Specialist Doctor Consultations to stay fit and healthy

  • Short Policy Term

    Short Policy Term

    Provides short policy term ranging from 1 to 5 years depending on your need

  • Short & hassle free buy process

    Short & hassle free buy process

    Convenient buy journey to avail life insurance


  • Eligibility

    Entry Age: (as on last birthday)

    • Min: 18 years
    • Max: 35 years
  • Eligibility

    Maturity Age:

    Minimum: 19 years

    Maximum: 40 years

  • Eligibility

    Policy Term:

    Single Pay: 1 – 5 years

    Regular Pay: 2 - 5 years

  • Eligibility

    Premium Payment Term: Single or Regular Pay

  • Eligibility

    Premium Payment Mode: Single Pay / Yearly / Monthly

  • Eligibility

    Basic Sum Assured

    Minimum: Rs. 1,00,000

    Maximum: 25,00,000

  • Eligibility

    Modal Factor (% of annual premium)

    The following modal loadings shall be used to calculate the instalment premium in case of Regular Premium Payment Policy

    • Yearly - 100% of Annual Premium
    • Monthly - 8.8% of Annual Premium

Read about Tax benefits & Plan Disclaimer

Tax Benefits

You may avail of tax benefits under Section 80C and Section 10(10D) of Income Tax Act, 1961 subject to conditions as specified in those sections. Tax benefits are subject to change as per tax laws. Customer is advised to take an independent view from tax consultant.

Terms & Conditions


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.

Kotak Protect India, UIN No.: 107N130V01, Form No. N130. This is a non-participating, pure protection, life insurance plan. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.

Kotak Mahindra Life Insurance Company Ltd. Reg No. 107; CIN : U66030MH2000PLC128503; Regd. Office: 8th Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai – 400051 | Website:; WhatsApp: 9321003007 | Toll Free: 1800 209 8800| Ref. No.: KLI/22-23/E-WEB/2410

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

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