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Kotak Mahindra General Insurance is one of the top general insurance companies in India. It is a 100% subsidiary of Kotak Mahindra Bank Ltd.
It is one of the fastest growing general insurance company in India
Kotak Mahindra was established to service the growing market of India's non-life insurance segment. The company wants to build on its customer segment and geographies offering by offering a range of non-life insurance products like motor, health etc.
Kotak Mahindra General Insurance offers comprehensive insurance for private and commercial use vehicles.
Private Car Insurance
Private car insurance offers comprehensive coverage for private car owners. The features of the private kotak car insurance policy are:
Private Two wheeler Insurance
With two wheeler insurance Kotak Mahindra general insurance offers good protection so you can enjoy every ride be it to work, home or leisure. The features of the two wheeler policy are:
Commercial Vehicle Insurance
Commercial vehicles are a great asset to business and its breakdown can cost dearly to the business. Considering this the commercial vehicle insurance offers complete coverage to mitigate financial loss during unforeseen circumstances. The features of the commercial vehicle policy are:
Other Motor Insurance plans offered by Kotak Mahindra General Insurance
With the rising health insurance costs, it has become imperative to have a health insurance policy. Kotak Mahindra General Insurance offers comprehensive health insurance to keep you financially protected during time of illness.
Kotak Secure Shield Plan (Critical Illness Cover)
Critical illness cases are on the rise and becoming more and more common. Kotak Secure Shield helps you to get the best quality healthcare at the same time ensuring you are financially protected. Let’s have a look at some of its main features of this plan:
Comprehensive Health Insurance Plan
This health insurance plan is for individual and family floater basis. It has three multiple variants in Excel, Premium and Prime offering different sum insured. Excel offers sum insured from INR 2 to 4 lakhs, Premium offers sum insured from INR 5 to 25 lakhs and Prime offers sum insured from INR 10 lakhs to 1 crore. The plans come with lifelong renewal and policy term of 1, 2 or 3 years. Some of the main features of the plan are:
Motor Insurance
Call 1800 266 4545 (8 a.m. – 8 p.m.) or submit Claim Intimation Form on Kotak General Insurance Company website to inform about your claim along with your policy details.
Cashless claims process step by step
After reporting the claim, vehicle inspection will be conducted within 24 hrs if reported on a working day. The inspection will take place next working day of reported on Sunday or public holiday.
All relevant required documents to be submitted as per terms and conditions.
Cashless confirmation and settlement will be done directly at preferred network garage.
Pay the deductible as mentioned in the policy and take delivery of the vehicle from the network garage.
Re-imbursement claims process step by step
After reporting the claim, vehicle inspection will be conducted within 24 hrs if reported on a working day. The inspection will take place next working day of reported on Sunday or a public holiday.
After the inspection is done, get the vehicle repaired at the garage and pay the bill.
Submit all the receipts and bill as required and payment will be initiated within 7 days of receipt of all required documents.
Health Insurance Claim process
Cashless Claims at Network hospital (Planned Hospitalisation)
Cashless Claims at Network hospital (Emergency Hospitalisation)
Visit cashless helpdesk within 24 hrs of hospitalisation. Fill the pre-authorisation form and submit along with required medical documents and photo ID.
If the case is approved, the bill will be settled up to the approved amount at the time of discharge. If the case is not sanctioned, pay the bills and submit the claim in reimbursement mode.
Reimbursement claims
Claim ratio:
Kotak General Insurance has easy to understand plans which offer comprehensive coverage at an affordable cost. The company has simple claim process which will make it easy to file a claim and get a quick turnaround on the approval. The company goal is to invest more on state of the art technology to give a better customer experience to its customers. With good features and add-on options, Kotak general insurance plans have all the ingredients of a good insurance plan.
What documents are required when visiting cashless helpdesk of the network hospital?
The following documents are required for availing cashless facility at network hospital:
Within what time frame should I should submit my claim after discharge from hospital?
Although it is advised that the claim document need to be submitted as early as possible but no later than 30 days of discharge from hospital.
What is an endorsement in motor policy?
An endorsement is written evidence of an agreed change in the policy terms.
How will I know whether the garage near my place is on your network list of cashless garages?
You can visit www.kotakgeneralinsurance.com to know the latest updated list of network garages to know if your preferred garage is on their network garage list.
