Kotak General Arogya Sanjeevani policy

Kotak General Arogya Sanjeevani policy benefits

• Eligibility Criteria of Kotak General Arogya Sanjeevani Policy

  • The minimum entry age is 18 years and the maximum entry age is 65 years.
  • Persons Covered:
    Policy can be availed for Self and the following family members
    legally wedded spouse.
    Parents and Parents-in-law.
    Dependent Children (i.e. natural or legally adopted) between the ages 3 months to 25 years. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals
  • Policy Period :1 year
  • Portability :Offers portability option to other health insurance policies

• Coverages of Kotak General Arogya Sanjeevani Policy

  • Hospitalisation & Day Care Treatments :In-patient Hospitalisation and Day Care Treatments are covered upto the opted Sum Insured subject to the sub-limits mentioned below.
  • Pre and Post-Hospitalization Medical Expenses :Pre & post hospitalization medical expenses upto specified number of days prior to and after discharge based on the plan opted will be covered.
  • Ambulance Charges :MaxRs.2000 per hospitalization
  • Pre & post Hospitalization :30 days Pre Hospitalization & 60 days Post Hospitalization expenses
  • AYUSH Benefit :Expenses incurred on hospitalisation under AYUSH treatment
  • Cumulative Bonus :Cumulative Bonus of 5% of the Sum Insured, upto a maximum of 50% will be provided for each claim free year, It will get reduced in case of Claim at the same rate.
  • Sub Limits:
    Sublimit for room/doctors fee:
    For hospitalization expenses like room, boarding, nursing expenses up to 2% of Sum Insuredor a maximum ofRs.5,000 per day.
    ICU/ICCU expenses will also be provided up to 5% of sum insuredor a maximum of Rs.10,000 per day.
    Sub-limit for cataract surgery - 25% sum insuredorRs.40,000/- , whichever is lower per eye, under one policy year.
    Modern treatment methods and Advancements in technology: Up to 50% of the Sum insured.

• Exclusions of Kotak General Arogya Sanjeevani Policy

  • Waiting Periods :Pre-Existing Diseases will be covered after a waiting period of forty eight (48) months of continuous coverage
    Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident.
    Specified surgeries/treatments/diseases are covered after specific waiting period of 24 months/ 48 months
    Please refer to the policy wordings for complete details on the waiting period
  • Admission primarily for investigation & evaluation
  • Admission primarily for rest Cure, rehabilitation and respite care
  • Expenses related to the surgical treatment of obesity that do not fulfill certain conditions
  • Change-of-Gender treatments
  • Expenses for cosmetic or plastic surgery