Critical Illness Cover With Kotak Secure Shield

In today's stressful world, critical illnesses are becoming more and more common. With Kotak Secure Shield, you can protect yourself and your family against the expenses that come with treating these illnesses, without having to compromise on the quality of healthcare.

Key benefits

Comprehensive Critical Illness Cover: Critical illnesses are more common than ever before, and they don't come with a warning. Kotak Secure Shield will provide you with a financial cushion by paying a one-time Sum Insured, which covers 18 types of critical illnesses, surgical procedures, and other medical events.

Personal Accident Benefit: If an accident results in the death or permanent total disability of the insured person, our policy will provide financial stability for the family.

Child Education Benefit: We know how important a child’s education is. In case an accident results in the death or permanent total disability of the insured person, our policy will ensure that the child’s future is not financially impacted, and their education can continue without any interruption.

Loss of Job Benefit: This benefit provides financial support in case the insured person loses their job, and there is a financial liability in the form of a loan.

The Kotak Edge: When it comes to keeping your money and your life safe and secure, it pays to go with a reputed company. The Kotak Group has an illustrious history that spans over 3 decades, and is considered to be one of the most trusted brands in the country. With Kotak Secure Shield, your health and your family members are in safe hands.


Tax Benefits: Apart from the medical cover, you can also enjoy tax savings under Section 80D of the IT Act 1961.

Free Look Period: We understand that you have certain healthcare needs and requirements. That’s why we allow a free look period of 15 days from the date of receipt of the policy to familiarise yourself with the different features and details. If you don’t think Kotak Secure Shield is what you require right now, you can cancel the policy during the free lock period without incurring any cancellation charge.

Eligibility: Kindly refer to the table to find out if you are eligible for our Kotak Secure Shield Policy:

Entry Age Minimum: 18 years Maximum: 65 years
Renewal Age Life-long renewals allowed
Policy Period 1, 2 & 3 years

Register a Claim/Claim Process

Cashless Claim Process

Critical Illness Claims

Step 1: Intimate us in writing within 10 days of the first occurrence/diagnosis of a Critical Illness

Step 2: Submit all relevant documents* related to a claim within 30 days

Personal Accident Claims

Step 1: Intimate us in writing within 7 days of any injury due to an accident which is likely to give rise to a claim

Step 2: Submit all relevant documents* related to a claim within 30 days

Loss of Job Claims

Step 1: Intimate us in writing along with the necessary information & documentation* within 30 days of the Insured Person’s termination, dismissal, temporary suspension, or retrenchment from employment

*For a complete list of documentation required for claim settlement, please refer to the Policy Wordings


At Kotak Mahindra General Insurance, we value transparency above everything else. Here's a list of what we don't cover under our Kotak Secure Shield Policy, so we can avoid any inconvenience at the claims stage. Below is a list of the general exclusions applicable under this policy:

  • Any pre-existing diseases will not be covered for a period of 48 months of Continues coverage under the policy, applicable only for critical illness.
  • In case of insured above 65 years of age only 1 year policy will be issued which can be renewed further on annual basis.
  • First occurrence of any medical condition or event within 90 days of policy commencement, applicable only for critical illness
  • Any claim arising or resulting from the Insured Person committing any breach of the law with criminal intent.
  • War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all Heads of State and citizens of whatever nation and of all kinds and acts of terrorism.
  • Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel. For the purpose of this exclusion, combustion shall include any self-sustaining process of nuclear fission.
  • Nuclear weapon materials.
  • Usage, consumption or abuse of substances such as intoxicants, hallucinogens, alcohol and/or drugs.
  • Self-destruction or self-inflicted injury, attempted suicide or suicide.
  • Any sexually transmitted diseases, Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex syndrome (ARCS) and all diseases caused by and/or related to the HIV.
  • Any consequential or indirect loss or expenses arising out of or related to any event giving rise to a Claim under the Policy.
  • While serving in any branch of the Military or Armed Forces of any country during war or warlike operations.
  • Any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. The Policy also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to action taken in respect of any act of terrorism.

A complete list of exclusions can be referred to in the Policy Wordings

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