Kotak Health Premier General Insurance

Plan: Edge^
The fast paced world we live in and the constant race against time, we generally tend to overlook our health. With our comprehensive health insurance policy , we not
only secure your health but also reward you for your healthy behavior. Now you can earn reward points for being fit & healthy and redeem these points against various
health related services (For more details on terms of redemption please refer to the policy wordings which are available on the website of the company).

Plan Highlights

Health and Rewards Restoration Benefit No Reduction in Cumulative Bonus# Zone based pricing Annual Health Check-up Value Added benefits

Plan USP’s
Ÿ Cover for 405 Day Care Treatments.
Ÿ Restoration of 100% of Base Sum Insured:
Ÿ In case if Sum Insured gets insufficient for future unrelated illness.
Ÿ Immediate restoration in case of accident related claims.
Ÿ Cataract-Upto 10% of base Sum Insured & max of `1,00,000 per eye per policy period.
Ÿ Value added benefits like doctor's appointment, Online pharmacy, diagnostic tests and other health/wellness offering etc.
Ÿ Ambulance charges per policy basis.
Ÿ Second E-opinion is available.
Ÿ Wide Range of optional covers to opt from like Compassionate Visit, Air Ambulance, Critical Illness etc.

Plan Details
1 In-patient Treatment Upto Base Sum Insured
2 Day Care Treatment 405 Named Day-care Surgeries & Procedures
Pre-Hospitalization Medical Expenses 60 days
3
Post-Hospitalization Medical Expenses 90 days
4 Ambulance Cover Upto ` 20000 per year
5 Organ Donor Cover Upto Base Sum Insured
6 Alternative Treatment Upto Base Sum Insured
7 Domiciliary Hospitalisation Upto Base Sum Insured
8 Annual Health Check-up For each Insured Person above 18 years of Age, each Policy Year for specified tests
9 Restoration Benefit Additional Sum Insured equivalent to Base Sum Insured
10 Cumulative Bonus# 10% of the Base Sum Insured, upto a maximum of 100% for each claim free year,
No reduction in case of claim
11 Second E-Opinion Cover Available
12 Health and Rewards Available
13 Value Added Benefits Available

14 Hospital Daily Cash `1000 per day for minimum 3 days of hospitalization subject to maximum of 10 days

15 Convalescence Benefit `15,000 (minimum hospitalisation of 10 days)

16 Home Nursing Benefit Upto `3,000 per day for a maximum of 15 days after completion of number of days under post
hospitalisation cover for the medical services of a nurse at your residence.
 17 Daily Cash for Accompanying an `1000 per day for minimum 3 days of hospitalization subject to maximum of 10 days
Insured Child
18 Compassionate Visit Optional Cover
Upto `20,000
19 Maternity Benefit* Optional Cover
(with 3 year waiting period) Upto ` 25,000 for Normal and 35,000 Cesarean

20 New Born Baby Cover* Optional Cover

(with 3 year waiting period) Within Maternity Benefit Sum Insured
21 Vaccination Expenses* Optional Cover
(with 3 year waiting period) Upto `5,000
22 Air Ambulance Cover Optional Cover
Upto 10% of Base Sum Insured and subject to a maximum of 5 lacs
23 Critical Illness Cover Optional Cover
(Available for Age 18 years and above) Additional Sum Insured equivalent to Base Sum Insured and subject to a maximum of 10 lacs
24 Personal Accident Cover Optional Cover
Additional Sum Insured equivalent to Base Sum Insured and subject to a maximum of 25 lacs
25 Policy Type Individual and Floater both are available.

26 Waiting period for PED Option to reduce waiting period to 36 months on payment of additional premium

* You need to opt for Maternity Benefit, New Born Baby Cover, Vaccination Expenses together.

Medical Grid-List of Tests Required

Sum Insured 5 / 7.5 Lacs 10 Lacs 15 / 20 Lacs
Age 56 Years & Above 56 Years & Above 56 Years & Above
CBC CBC CBC
ECG Urine Routine Urine Routine
SGPT /SGOT ECG ECG
Serum Creatinine SGPT / SGOT SGPT / SGOT
Serum Cholesterol Serum Creatinine Serum Creatinine
Blood Glucose-Fasting Lipid Profile Lipid Profile
Applicable Medical Examination Report HbA1c HbA1c
Tests TMT 2D Echo
USG Abdomen USG Abdomen
Blood Glucose-Fasting TMT
Medical Examination Report HbsAg
Blood Glucose-Fasting
Medical Examination Report
TSH for females and PSA for Males
Note: For Medical grid pertaining to other Sum Insured please get in touch with the Company’s Representative.

Waiting Period/Exclusions
For a smooth and hassle-free claims experience, it is important to understand the exclusions/waiting period in your policy.
30 Day Waiting Period
This includes any illness contracted or medical expenses incurred within 30 days of commencement of the policy unless due to an accident. This exclusion also doesn’t
apply to the renewal of policy with us or to anyone whose policy has been accepted under the portability benefit.
2 year Waiting Period
This includes medical expenses incurred for certain specified illnesses or conditions like Hernia, Fissures/Fistula, Arthritis, Gout etc. during the first 2 consecutive years
of the commencement of the policy.
Pre-existing Disease Waiting Period
Any Pre-Existing Disease will not be covered until waiting period as per Plan opted for as elapsed.
The waiting period will be reduced by number of continuous preceding years of coverage under existing health insurance policy or as per portability benefit.
Permanent Exclusions
Injury or Illness due to intoxicating drugs, alcohol, mental Illness; intentional self-injury; aesthetic treatment, cosmetic surgery; Experimental, unproven or
non-standard treatment; claim related to criminal acts are permanently excluded under the policy. For a complete list of permanent exclusions, please refer to the policy
wordings which are available on the website of the company.

Kotak Mahindra General Insurance Company Ltd. Registered Office: 27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra East, Mumbai – 400051. Maharashtra, India. Toll Free No: 1800 266 4545, Email: care@kotak.com,
Website: www.kotakgeneralinsurance.com. CIN: U66000MH2014PLC260291. IRDAI Regn. No 152. Trade logo displayed above belongs to Kotak Mahindra Bank Ltd. and is used under license. The advertisement contains only
an indication of the covers offered. For more details on risk factors, terms, conditions, coverages and exclusions, please read the sales brochure carefully before concluding a sale. ^For other plans offered under Kotak Health Premier,
please get in touch with the company’s representative. *Optional covers are available on payment of additional premium. Advt. ref. no: KGI/18-19/II/P-BC/343. Kotak Health Premier UIN: KOTHLIP19063V021819.
Statutory warning: Section 41 of the Insurance Act, 1938 states (1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of
any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy
accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.
(2) Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to `1,000,000/-