Kotak Vital Care | Life Cover with Personal Accident, Cardiac & Cancer Benefits 
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Kotak Vital Care

A Non-Participating Non-Linked Life Individual Pure Risk Insurance Product.

What is Kotak Vital Care?

Secure your family's future and your health in one smart move. Kotak Vital Care delivers affordable life insurance coverage integrated with specialized covers for Personal Accident Cover, Cardiac Cover and Cancer Cover.


It provides a smart choice for those who value both financial security and well-being. This plan goes beyond traditional life cover, offering affordable premiums and a wide safety net for life’s uncertainties.

Key Features of Kotak Vital Care:

Immediate Annuity

Sachet Life Cover at Affordable Price

Immediate Annuity

Holistic Protection which covers life, accident and major health risks

Immediate Annuity

Short & Hassle-Free Buy Process for Quick Issuance

Immediate Annuity

Inbuilt Heath & Wellbeing benefit

How Does Kotak Vital Care Plan Work?

You can choose this plan under 5 simple steps -

Step

1

Choose your Coverage Amount i.e. Basic Sum Assured based on your requirements

Step

2

Select the Plan Options based on your requirements

Step

3

Select your Policy Term

Step

4

Select your Premium Payment Term

Step

5

Select your Premium Payment Mode

Eligibility

  • Minimum Entry Age (As on last birthday)
  • Maximum Entry Age (As on last birthday)
  • Minimum Maturity Age
  • Maximum Maturity Age
  • Policy Term
  • Premium Payment Term
  • Premium Payment Mode
  • Modal Factor
  • Premium
  • Basic Sum Assured

18 Years

50 years

23 years

55 Years

5 Years

Regular Pay

Annual / Monthly

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


Premium Payment Mode Premium Payment Modal Factor
Yearly 100% of Annual Premium
Monthly 8.8% of Annual Premium

Premium shall vary based on the Age, Policy Term, Plan Option, Premium Payment Term, Premium Payment Mode and the Basic Sum Assured opted for the policy.

5 Lakh per Plan Option per Life Insured

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FAQs on Kotak Vital Care:

1

What is Kotak Vital Care?

Kotak Vital Care is a non-participating non-linked life insurance individual pure risk product. It protects your future and family. It offers affordable life insurance coverage plus specialized coverage for accidents, cancer, and heart. Secure your finances and your well-being with one simple, smart plan designed for your journey.

2

Who is eligible for this plan?

Any individual between the age of 18 years to 50 years can buy this plan.

3

What benefits does the Kotak Vital Care offer in case of death?

In the event of Life Insured’s death, during the policy term, 100% of Sum Assured on Death shall be payable to the Claimant.

Sum Assured on Death shall be highest of the following:

  • Basic Sum AssuredOR
  • 11 times Annualized Premium OR
  • 105% of total premiums paid till the date of death
4

What are the health benefits options under this plan?

It has three (3) essential health benefits options like: Personal Accident Cover, Cardiac Cover and Cancer Cover. Designed for your specific needs, ensuring you and your family stay secure against life’s biggest uncertainties.

Please Note: For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.

Plan Option A: Personal Accident Cover

This cover provides a peace of mind to you and your family, as we pay a lumpsum amount in the event of Life Insured's Accidental Death or Disability.

  • A: Accidental Death
  • B: Accidental Permanent Total Disablement & Permanent Partial Disablement

Plan Option B: Cardiac Cover

This cover ensures you are financially secured while you undergo treatment / surgery, as the benefit pay out may be used to take care of the medical expenses in case of a valid claim on diagnosis of early stage or major stage Cardiac condition.

Plan Option C: Cancer Cover

Under this option, the lump-sum pay-out made once the Cancer is diagnosed at early or major stage can be used to meet the treatment expenses.

5

What are Tax Benefit applicable under this plan?

Tax benefits under the policy are subject conditions specified under the Income Tax Act, 2025 and prevailing tax laws, if any as applicable. Tax laws are subject to amendments from time to time. Customer is advised to take an independent view from Tax Advisor. Goods and Services Tax and Cess as applicable, if any shall be levied over and above premium amount shown here as per prevailing tax laws.

6

Who should consider buying Kotak Vital Care?

The target customers are aged between 18 and 50.

7

What are the premium payment modes available under this product?

Customers can choose premium payment modes – Annual / Monthly.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS /FRAUDULENT OFFERS

IRDAI or its officials do not involve 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 Vital Care - UIN: 107N143V01.

This is a non-participating, non-linked life insurance individuial pure risk product.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.

Kotak Mahindra Life Insurance Company Ltd.; CIN: U66030MH2000PLC128503 IRDAI Regn. No.:107, Regd. Office: 8th Floor, Plot # C-12, G-Block, BKC, Bandra (E), Mumbai - 400 051. Website: www.kotaklife.com | WhatsApp: 9321003007 | Toll Free No: 18002098800 | Ref. No.: KLI/25-26/E-WEB/2334.

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