Useful Information


TPA Information

Health Premier Individual


Comprehensive Health Insurance plan from Kotak Health Insurance


  • Policy covers medical expenses for treatment taken at home on the advice of the medical practitioner
  • Convalescence Benefit pays a lumpsum specified amount in case the hospitalization exceeds for a minimum period of 10
  • Compassionate Visit pays for the cost of return journey of Insured’s immediate relative from place of residence to hospital.
  • Ambulance transportation in an airplane or helicopter for emergency life threatening situations.
  • Coveres Vaccination Expenses


Room Rent Limit
Upto Base Sum Insured
Pre-Hospitalization Expenses
2 lacs - 20 lacs - 60 days I 25 lacs - 200 lacs - 90 days
Post Hospitalization Expenses
2 lacs - 20 lacs - 90 days I 25 lacs - 200 lacs - 180 days
Day Care Procedure Coverage
405 Named Day-care Surgeries & Procedures
Additional Cover for Critical Illness
Additional Sum Insured equivalent to Base Sum Insured and subject to a maximum of 10 lacs
Automatic Restoration of Sum Insured
Restoration of 100% of Base Sum Insured
Pre-Existing Disease / Illness coverage
48 months for all age groups
Waiting Period for New Policy
30 Day Waiting Period
Medical Screening
The customer might have to undergo Medical Tests based on the underwriting guidelines issued by the company from time to time.
Free Health Checkup
For each Insured Person above 18 years of Age, each Policy Year for specified tests
Ambulance Expenses
2 lacs - 20 lacs - ` 20000 per year I 25 lacs - 200 lacs - ` 50000 per year. Air Ambulance Cover:-Upto 10% of Base Sum Insured and subject to a maximum of 5lacs
Non-Allopathic Treatments
Upto Base Sum Insured
New Born Baby Cover
Optional Cover
Donor Expenses
In-patient hospitalization expenses of the donor in case of an organ transplant will be covered
Nursing Allowance
Optional Cover: Upto ` 3,000 per day for a maximum of 15 days after completion of number of days under
No Claim Bonus
2 lacs - 20 lacs - 10% of the Base Sum Insured, upto a maximum of 50%