Kotak General vs Godigit Health Insurace

Compare Kotak General vs Godigit Health Insurace
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
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Kotak General Godigit
Claims Settlement Ratio ** 77.71% 60
Number of Lives Covered * 4,39,000 --
Network Hospitals 3,900 + 6,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Kotak General Care Kotak General Premier Kotak General Arogya Sanjeevani Godigit Godigit
Health Care Health Premier Arogya Sanjeevani Digit Health Care Plus Digit Health Plus
In-patient Treatment
Covered Up to base sum insured Covered
Maxima Restore Super: All Illness Hospitalization
Early Cover: All Illness Hospitalization
Super Care: All Illness Hospitalization
Covered
Room Rent
No Cap on room rent for this plan Capped at 1% for sum insured less than equal to 4 lakhs No cap on room rent for this plan Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
Maxima Restore Super: No room rent restriction
Early Cover: No room rent restriction
Super Care: No room rent restriction
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy )
ICU Charges
Covered Covered Up to 5% of sum insured subject to maximum of Rs.10,000 per day Covered Covered
Pre-hospitalization
Up to 30 days Up to 60 days Up to 30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
Covered
Post-hospitalization
Up to 60 days Up to 90 days Up to 60 days
Maxima Restore Super: 60 days
Early Cover: 60 days
Super Care: 60 days
Covered
Day Care Procedures
150 day care procedures are covered 405 day care procedures are covered All day care procedures are covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Domiciliary Treatment
Not Covered Up to base sum insured Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Emergency Ambulance
Up to Rs.1,500 Covers up to Rs.20,000 per year Covered
Maxima Restore Super: 1% upto Rs.5,000
Early Cover: 1% upto Rs.5,000
Super Care: 1% upto Rs.5,000
Covered
Dental Treatment
Not Covered Covered(covered from reward points)
(1 Reward point = 0.25Rupees)
Dental treatment, necessitated due to disease or injury
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Bariatric Surgery
Not Covered Not Covered Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Ayush Benefit
Not Covered Up to base sum insured Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Maternity Benefits
Not Covered
Advantage: Not Covered
Edge: Up to Rs.25,000 for normal and Rs.35,000 for Cesarean(optional)
Elite: Up to Rs.50,000 for normal and Cesarean(optional)
(Waiting period: 36 months)
Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
New Born baby cover
Not Covered
Advantage: Not Covered
Edge & Elite: Within Maternity Benefit Sum Insured(optional)
(Waiting period: 3years)
Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Organ Donor Expenses
Up to Base Annual Sum Insured
(Optional)
Up to base sum insured Not Covered
Maxima Restore Super: Covered
Early Cover: Not Covered
Super Care: Not Covered
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed.
Vaccination (In case of post bite treatment)
Not Covered Not Covered Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Health Check-up
For each insured person above 18 years of age, each policy year for specified tests For each insured person above 18 years of age, each policy year for specified tests Covered 56 years and above
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Hospital daily allowance
Rs.500 per day for minimum of Extensions 3 days subject to maximum of 10 days
(Optional)
Advantage: Rs.500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Edge: Rs.1,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Elite: Rs.3,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
(Optional)
Not Covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Co-pay
NIL co-pay for all treatment NIL co-pay for all treatment 5% Co-pay applicable on all claims
Maxima Restore Super: No Age based Co-Payment
Early Cover: No Age based Co-Payment
Super Care: No Age based Co-Payment
Covered
Pre-existing diseases coverage
Covered after a waiting period of 4 years
Advantage: Covered after a waiting period of 4 years
Edge: Covered after a waiting period of 4 years
Elite: Covered after a waiting period of 3 years
Covered after a waiting period of 4 years
Maxima Restore Super: 2 year waiting period for PED
Early Cover: 2 year waiting period for PED
Super Care: 3 year waiting period for PED & 2 year for Specific illness
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule
Restore Benefit
Up to 100% of base sum insured paid for unrelated illness/accidents Up to 100% of base sum insured for unrelated illness/accidents Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
NIL restoration benefit
General waiting period
30 days 30 days 30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
30 days
Renewal Benefit / Cumulative Bonus
10% for every claim free year up to 50% of sum insured
Advantage: 10% for every claim free year up to 50% of sum insured
Edge: 10% for every claim free year up to 100% of sum insured
Elite: 10% for every claim free year up to 100% of sum insured
5% for every claim free year up to 50% of sum insured
Maxima Restore Super: 10% each claim free year (max 50%)
Early Cover: 10% each claim free year (max 50%)
Super Care: 10% each claim free year (max 50%)
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule
Emergency Air Ambulance
Not Covered
Advantage: Not Covered
Edge: Not Covered
Elite: Up to 10% of base sum insured and subject to a maximum of 5lakhs
(optional)
Not Covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital.
Available sum insured options
Individual:
Excel: Rs.2 to 4 Lakhs
Premium: Rs.5 to 25 Lakhs
Floater:
Excel: Rs.3 & 4 Lakhs
Premium: Rs.5 to 25 Lakhs
Advantage: Rs.3 to 10 Lakhs
Edge: Rs.5 to 20 Lakhs
Elite: Rs.10 to 25 Lakhs
Rs.1 to 5 Lakhs
Maxima Restore Super: Rs.3 to 25 Lakhs
Early Cover: Rs.3 to 25 Lakhs
Super Care: Rs.3 to 25 Lakhs
Starting from Rs. 2 Lakh
Policy can be purchased for
1/2/3 years 1/2/3 years 1 year
Maxima Restore Super: 1/2/3 years
Early Cover: 1/2/3 years
Super Care: 1/2/3 years
1/2/3 years
Eligibility criteria
5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy Adults from 18 to 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 5 years)
Adults from 18 to 80 years (dependent children will be covered till the age of 25 years)
Between the age group of 1 year and 60 years
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not Covered
Advantage: Rs.500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Edge: Rs.1,000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Elite: Rs.1,500 per day for minimum 3 days of hospitalization subject to maximum of 10 days
(Optional)
Not Covered Not Covered Not Covered
Claims loading
Loading Loading Loading Loading No Loading
Portablity (At the time of renewal)
Yes Yes Yes Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025