Zurich Kotak Health Premier Total Must-look Features & Claims Settlement Ratio

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Insured Member(s)

You

Age of eldest member

26-30

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Insuring You
Eldest Member Age: 26-30
Sum Insured: ₹ 5L

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Sum Insured

₹ 5L₹ 10L₹ 15L₹ 20L₹ 25L

Priced Low

Zurich Kotak Health Premier Total

Product features46/100
Price79/100
Claims experience80/100

1 Finance Score:62/100

1 Finance Rank

Must-Look Features

Room Rent1% of SI for non-ICU & 2% of SI for ICU
No Claim Bonus (NCB)Base SI will be increased by 10%, up to the maximum limit specified in the policy document
Recharge of SI (RSI)Up to 100% restoration of SI once in a policy year for unrelated illness
Pre-Existing Diseases (PED)Covered after 4 years
Co-payment (Co-Pay)No Co-pay
Health and WellnessRewards for healthy behaviour

Claims Experience

Claim Settlement Ratio (CSR) - Number90.73%
Claim Settlement Ratio (CSR) -Amount88.81%
Incurred Claim Ratio (ICR)59% signifies fair pricing & claims payments
Ageing of Claim99.03%
Network Hospitals11200

Standard Features

Pre-hospitalisation30 days
Post-hospitalisation60 days
Daycare treatments405 daycare procedures covered
Ambulance coverUp to ₹1,500 per hospitalisation
Domiciliary hospitalisationCovered up to a maximum aggregate sub-limit of 20% of the SI
Organ donor coverCovered up to SI
Second opinionCovered
Daily allowance
₹500 per day for a minimum of 3 days of hospitalisation, subject to a maximum of 10 days
AYUSH treatmentCovered
Modern treatment methodsCovered up to 50% of SI

SI:Sum Insured

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About Zurich Kotak General Insurance

Zurich Kotak General Insurance Company (India) Limited is a joint venture between Zurich Insurance Group(70%) and Kotak Mahindra Bank(30%). The Company got its new name ‘’Zurich Kotak General Insurance Company (India) Limited’’ in the month of August 2024. It offers a range of insurance plans, including health, cars, two-wheelers, homes, and more.

About Zurich Kotak General Insurance

FOUNDED IN2015
CEOSuresh Agarwal
HEADQUARTERSMumbai, India
AUM₹1,743.80 Cr
GROSS WRITTEN PREMIUMS (GWP)₹1,598.36 Cr
COMBINED RATIO
Combined ratio assesses an insurance company's financial health by indicating the percentage of earned premiums used for claims and expenses.
A combined ratio below 100% means the company profits from underwriting, while a ratio above 100% implies it pays out more in claims and expenses than it collects in premiums.
113.21%