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Kotak General Insurance

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.

Interesting Facts about Kotak General Insurance

  • Kotak General Insurance is part of Kotak Mahindra group, one of India's leading financial services conglomerates.
  • Kotak Mahindra General Insurance received IRDAI approval to commence insurance business in the year 2015.
  • The company aim is to focus on customised products, state of the art technology and digital infrastructure to differentiate itself in the general insurance market.

Product Portfolio – Kotak General Insurance

Motor Insurance

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:

  • Damage cover protection from man-made and natural calamities
  • Personal accident and passenger cover
  • Third party liability
  • Enhanced protection through optional add-ons
  • No Claim Bonus
  • Cashless service at network garage
  • AAI member discount

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:

  • Loss or damage cover
  • Liability to third party
  • Personal accident cover for owner driver
  • Long term policy tenure
  • No claim bonus
  • Additional discount of being active member of AAI

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:

  • Damage cover protection from natural and man-made calamities
  • Personal accident and co passenger cover
  • Third party legal liability
  • Coverage for electric and non-electric accessories
  • No claim bonus
  • AAI membership discount
  • Cashless garage

Other Motor Insurance plans offered by Kotak Mahindra General Insurance

  • Miscellaneous Vehicles
  • Kotak Commercial Truck Insurance Policy

Health 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 coverage with 18 types of critical illness, surgical procedures and other medical events
  • Personal accident death, permanent and temporary disability cover
  • Child education financial protection benefit
  • Free look up period of 15 days
  • Loss of Job Benefit
  • Tax benefits

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:

  • Day care treatments
  • Bonus on renewal of policy
  • Pre and Post hospitalisation medical expenses
  • Cashless settlement at 4000 plus network hospitals
  • Free look up period of 15 days
  • Free health check up
  • Ambulance cover
  • Optional add-ons for enhanced protection

Claim Process of Kotak General Insurance

Motor Insurance

Call 1 800 266 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)

  1. Visit cashless helpdesk 48 hrs prior to hospitalisation. Fill the pre-authorisation form and submit medical documents and photo ID.
  2. If the case is approved, 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.

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

  • Inform at 1800 266 4545 or care@kotak.com
  • Pay all the bills and collect all the relevant medical receipts and documents
  • Submit all original and complete documents within 30 days of discharge from hospital
  • After document verification process, claim will be processed within 15 days

Review of Kotak General Insurance

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.

Contact Details of Kotak General Insurance

Kotak General Insurance

8th Floor, Zone IV, Kotak Infinity, Bldg.

21, Infinity IT Park, Off WEH,

Gen. AK Vaidya Marg, Dindoshi,

Malad (E), Mumbai – 400097. India

Telephone: 1800 266 4545 (Toll free)

E-Mail: care@kotak.com

Website: www.kotakgeneralinsurance.com

FAQs on Kotak General Insurance

What documents are required when visiting cashless helpdesk of the network hospital?

The following documents are required for availing cashless facility at network hospital:

  • Health card of the insured
  • All pre-hospital medical reports, prescriptions or papers.
  • Policy copy
  • Valid photo ID card
  • Commencement of the ailment

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.

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