Group Health Assure
Group Health Assure is a comprehensive health insurance policy which covers various medical expenses and provides financial support to
the group members.
Persons to be covered New Corporate salary customers of Kotak Mahindra Bank Limited
Age Band - 18 to 55 years (Adult) I 91 days to 25 years (Child)
Policy Terms Policy Tenure - 1 year
Cover will commence from the date of enrollment of the individual under the group policy, subject to
payment of premium to the insurer.
Sum Insured `30,00,000 (Inpatient) with deductible of `3,00,000
Relationships Covered Self, Spouse, and Children (Upto 2)
Product Features Other Terms*
In-PatientTreatment Covers medical expenses arising out of Policy basis Floater
minimum 24hrs of hospitalization. Pre-existing Disease Applicable for the first 36 months from
Pre-hospitalisation Covers medical expenses up to 30 days Waiting Period the date of joining for every insured
Medical Expenses prior to hospitalisation/day care treatment. person
Post-hospitalisation Covers medical expenses up to 60 days 30 days waiting period Applicable (except for injuries/accident)
Medical Expenses following the hospitalisation/day care Specified disease/ Applicable for the first 12 months from
treatment. procedure waiting period the date of joining for every insured
Day Care Treatment Covers medical expenses arising out of person
listed 405 day care procedures. Room rent No Capping Applicable
Domiciliary Covers medical expenses for treatment Sub-Limits Cataract - `20,000 per eye
Hospitalisation taken at home which otherwise would have Maternity benefit Not covered
required hospitalisation. (Upto Sum Insured)
Mid-Term inclusion Mid-term inclusion of family member is
Emergency Ambulance Covers expenses upto 1,000/- per claim not allowed
towards transportation to a Hospital for
treatment. Out-patient treatment Not covered
(OPD)
Donor Expenses Covers hospitalization expenses of the
donor in case of an organ transplant. Deductible `3 Lakhs applied on aggregate basis
(Upto Sum Insured)
AYUSH Treatment Covers medical expenses incurred on the
Insured Person's AYUSH Treatment in
Ayush Hospital/AYUSH Day Care Centre.
(Upto Sum Insured)
Exclusions^ Sum Insured & Premium Details
• Expenses related to sterility and infertility Family Sum Premium
Definition Deductible Insured Inclusive of GST
• Treatment for, Alcoholism, drug or substance abuse
1A 3,00,000 30,00,000 1,999
• Claims attributable to war, invasion, or related hostilities etc.
2A 3,00,000 30,00,000 2,299
• Nuclear fission, radiation etc. 2A+1C 3,00,000 30,00,000 2,599
• Intentional Self-Injury 2A+2C 3,00,000 30,00,000 2,999
A - Adult, C - Child
Insurance is underwritten by Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited)
Kotak Mahindra Bank Ltd. is a Corporate Agent of Zurich Kotak General Insurance Company (India) Limited
Registered Address: 27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051. IRDAI License No. CA0250.
Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited)
CIN: U66000MH2014PLC260291. IRDAI Regn. No 152. Registered & Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East),
Mumbai - 400063. Maharashtra, India. Toll free: 1800 266 4545; Email:
[email protected]; Website: www.zurichkotak.com. Trade logo displayed above belongs to Kotak Mahindra Bank Ltd. and
Zurich Insurance Company Ltd. and is used by Zurich Kotak General Insurance Company (India) Limited under license. Participation by customers of Kotak Mahindra Bank Limited (the Master Policy holder)
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shall be purely on voluntary basis under the master policy which is issued by Zurich Kotak General Insurance Company (India) Limited. Kotak Mahindra Bank Limited is only the group administrator/master
policyholder and insurance is underwritten by Zurich Kotak General Insurance Company (India) Limited. The advertisement contains only an indication of the covers offered. ^ For complete list of
exclusions, please refer to policy wordings. *For more details on risk factors, terms, conditions, coverages and exclusions, please read the policy wording/sales brochure carefully before concluding a sale.
Group Health Assure UIN: ZUKHLGP22168V022122. UID: 3377.
