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Zurich Kotak Health Insurance Plans

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97%

Claim Settlement Ratio

10,500+

Network Hospitals

8.1

Overall Rating

Zurich Kotak Health Insurance

Our Verdict About Zurich Kotak Health Insurance

Zurich Kotak’s health-insurance offerings combine modern features, high sum insured options and premium stability benefits.

What We Like

Modern treatments and wellness rewards included.

Flexible family floater and add-on options.

Backed by global brand Zurich for added reliability.

Covers hospitalisation, daycare, domiciliary, and preventive check-ups.

High sum insured up to ₹5 crore with stable premium features.

Areas of Improvement

Premiums higher for top-tier plans.

Customer support is still expanding.

Some benefits are restricted to premium variants.

Limited real-world claim experience data.

Smaller hospital network compared to older insurers.

Final Verdict

Zurich Kotak Health Insurance is a reliable choice for individuals, families, and senior citizens. It offers flexible plans and straightforward claim processes. While benefits like maternity or critical illness may have limits, it provides trustworthy,...

Zurich Kotak Health Insurance

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…

…always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.

Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance.

All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Why Choose Zurich Kotak Health Insurance?

A Trusted Name

Backed by over 150 years of global expertise from Zurich Insurance Group and a strong presence in India, Zurich Kotak brings reliability, innovation, and trust to health insurance.

Wide Network, Cashless Claims

Enjoy access to a broad hospital network with cashless treatment facilities and quick claim approvals — ensuring complete peace of mind during medical emergencies.

Wellness & Digital Convenience

Benefit from annual health check-ups, unlimited e-consultations, wellness programs, and seamless digital policy management, making your health cover simple and holistic.

Early Buyer Advantage

Buy early to enjoy lower premiums, faster completion of waiting periods, and continued coverage for life, ensuring long-term health and financial security.

Documents Required

ID Proof

Aadhar Card, PAN Card, or Passport

Address Proof

Utility Bill or Voter ID

Age Proof

Birth Certificate or Driving License

Photographs

Recent passport-size photos

Income Proof

Required only for high sum insured plans

Zurich Kotak Health Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

Zurich Kotak Health Insurance Network Hospitals

10,500+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

Zurich Kotak Health Insurance

Features Comparison

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Zurich Kotak Health Insurance

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

Zurich Kotak Health Insurance

Frequently Asked Questions

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