Zurich Kotak General Health Insurance

Given below are the health insurance products that are offered by Zurich Kotak: 

1. Critical illness insurance (Secure Shield)

It is a critical illness insurance plan that provides financial help in case someone is suffering from a serious illness. On the first diagnosis of any covered illness or surgery, the plan pays a lump sum amount which can be used for treatment, recovery, or any personal expenses. It also includes benefits like personal accident cover, child education support, and job loss coverage (for loan-linked policies). The plan is easy to buy online, and it comes with tax benefits under Section 80D. 

2. Health Super Top Up

This Plan is a smart way to increase your health insurance coverage at a lower price. It works after your existing health policy or out-of-pocket expenses reach a certain limit (called a deductible). It covers your entire family under one plan and provides you with benefits like accident cover, organ donor expenses, sum insured restoration, in-patient treatment, pre & post hospitalization, and so on. 

3. Personal accident insurance (Accident Care) 

This Policy from Zurich Kotak provides financial help in case of accidental death, disability, or injury. It provides a lump sum payout for events like permanent or partial disability and includes optional covers like hospital expenses, ambulance charges, and children's education support. You can customize the plan according to your needs and enjoy lifelong renewability. Therefore, this policy is very helpful in securing your and your family’s future in case of unexpected accidents. 

Documents Needed to Buy Health Insurance 

To buy a Zurich Kotak Health Insurance Plan, you will need the following documents: 

1. Proof of identity: Aadhaar Card/Voter ID/PAN Card/Passport 

1. Proof of address: Utility Bills/Aadhaar Card/Passport/Driving Licence 

1. Passport-size photo 

1. Proposal Form – Completely filled and signed 

1. Proof of age: Passport/Birth Certificate/10th or 12th Marks Card/Voter ID 

Documents Required to Get a Health Insurance Claim 

The following documents are required to claim a Zurich Kotak General Health Insurance: 

1. Filled Health Insurance Claim Form 

1. Proof of Identity 

1. Pre-Authorization Form  

1. Diagnostic Test Reports – Such as X-rays, blood tests, etc. 

1. Original Pharmacy Bills  

1. Police FIR (Needed only for accident-related claims) 

1. Bank Account Details – For reimbursement claims, to receive the payment. 

1. Discharge Summary – Given by the hospital after treatment is completed. 

1. Other Documents – In case requested by the insurance company.

How to Purchase Zurich Kotak General Health Policy Online 

The steps to purchase a Zurich Kotak General Health Insurance are listed below: 

1. Visit the official website of Zurich Kotak health insurance online and click on the option “Get Quote”. 

1. Complete the details such as Number of Adults, Number of Children, Pincode, and mobile number. 

1. Click on the option ‘Get A Quick Quote’ and choose a suitable plan. 

1. Make the payment online to complete the buying process. 

Steps to Submit Zurich Kotak Health Insurance Claim 

There are two methods by which you can claim your Health Insurance. If you are at a network hospital, then you can choose cashless treatment, and if you are at a non-network hospital, then you can choose reimbursement. 

Cashless Treatment

1. If you know in advance that you or your family member will be admitted to the hospital for a planned surgery or treatment, then you must inform Zurich Kotak at least 48 hours before your hospital admission. 

1. In case your hospital admission is unexpected (due to an accident or sudden illness), then you should call Zurich Kotak at 1800 266 4545 within 24 hours of hospitalisation. 

1. Go to any of Zurich Kotak’s network hospitals and show your policy certificate at the hospital reception for approval for your cashless treatment. 

Reimbursement

1. You must inform Zurich Kotak by calling 1800 266 4545 immediately after hospitalisation. 

1. You need to pay all the hospital bills yourself and collect all original documents like bills, medical reports, and so on. 

1. Submit all original documents to Zurich Kotak within 30 days of discharge. 

1. Zurich Kotak will review you claim and reimburse the eligible amount.
   

Note: You can check the full list of required documents on the official website of Zurich Kotak.