Kotak Group Health Insurance

At Kotak General Insurance, we have designed comprehensive group insurance policies to protect employer-employee groups and non-employer-employee groups like banks, credit societies, educational institutions, travel companies, etc. Given the potential risks we are prone to in our daily lives, our policies offer superior coverage to the workforce/group members and their families against unforeseen medical expenditures as well as accidental risks. The group insurance policies are tailor-made to fit all health and accident related requirements.

Here's a quick look at our group policies, and their differentiating features:

1.   Kotak Group Accident Care

Overview
Group Accident Care is a smart way for any organisation to deal with the increasing risk of unforeseen accidents and the related medical costs. Available at affordable rates, the policy offers comprehensive protection to the group members in case of death or disability resulting from an accident.

Key Features & Benefits

  • Accidental Death
  • Permanent Total Disablement (PTD)
  • Permanent Partial Disablement (PPD)
  • Temporary Total Disablement (TTD)
  • Accidental Hospitalization
  • Broken Bones/ Burns Benefit

2.   Kotak Group Health Care

Overview
Kotak Group Health Care policy provides customised health insurance coverage for employees/group members and their dependents based on a company’s requirements. The rising costs in healthcare have made it imperative for companies, irrespective of their size, to safeguard the interests of group members in case of hospitalisation. Available at flexible and affordable rates, the policy helps companies to cushion the financial strain faced by their employees/group members due to unforeseen medical expenses.

Key Features & Benefits

  • In-patient Treatment
  • Pre-hospitalisation Medical Expenses
  • Post-hospitalisation Medical Expenses
  • Day Care Treatment
  • Domiciliary Hospitalisation
  • Emergency Ambulance
  • Donor Expenses

There are several other optional covers like Alternative Treatment, Daily Cash Benefit, Home Nursing, Convalescence, etc. which can be included in the policy.

3.   Kotak Group Secure Shield

Overview
This policy, Kotak Group Secure Shield, provides a lumpsum benefit on the occurrence of the specified list of critical illnesses. It also provides lumpsum benefit in case of death or disability due to an accident. This policy can be taken by banks/financial institutions to protect the loan liability of the customers. In case the customer is diagnosed with critical illness or there is death/disability of the customer, the policy will take care of the loan liability of the customer.

Key Features & Benefits

  • Critical Illness
  • Death/ Permanent Total Disablement (PTD) due to accident
  • Child Education Benefit Loss of Job

4.   Kotak Group Accident Protect

Overview
Group Accident Protect is a comprehensive approach taken to financially protect every member of the company against the unforeseen risks due to death or disability resulting from an accident. The policy assesses all the risks involved in such a scenario and safeguards the interests of the insured.

Key Features & Benefits

  • Accidental Death
  • Permanent Total Disablement (PTD)
  • Permanent Partial Disablement (PPD)
  • Temporary Total Disablement (TTD)
  • Accidental Hospitalisation
  • Compassionate Visit
  • Modification of Residence/ Vehicle

5.   Kotak Group Hospital Cash

Overview
Kotak Group Hospital Cash will provide a fixed amount for each day of hospitalisation, irrespective of the medical costs. This policy will help to cover the incidental and ancillary expenses (medical and non-medical) that are not covered under the basic health insurance policy.

Key Features & Benefits

  • Hospital Daily Cash Benefit
  • Accident Daily Cash Benefit
  • ICU Daily Cash Benefit
  • Surgery Benefit
  • Day Care Procedure Benefit

 

6.   Kotak Group Smart Cash

Overview
Kotak Group Smart Cash will provide a fixed amount for each day of hospitalisation, irrespective of the medical costs. This policy will help to cover the incidental and ancillary expenses (medical and non-medical) that are not covered under the basic health insurance policy.

Key Features & Benefits

  • Hospital Daily Cash Benefit
  • Accident Daily Cash Benefit
  • ICU Daily Cash Benefit
  • Worldwide Cover
  • Alternative Treatment Benefit

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