COCOCure Health Insurance vs Kotak General Health Insurance

Have you ever heard about health insurance from your peers or elders and thought that you did not need it? Do you like the rest of 75% of Indians believe that you can take care of hospital expenses as and when they arise? If yes, then you might want to rethink your stance on health insurance, as it is one of the few financial tools to fight inflation and encompass numerous health contingencies. If you have any doubts, give this comparison guide of COCOCure Health Insurance and Kotak General Health Insurance a read. 

COCOCure Health Insurance vs Kotak General Health Insurance – Overview 

ParameterCOCOCure Health InsuranceKotak General Health Insurance
No. of health insurance policies89
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer helpPolicy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 customer support 
Branches171600
Claim settlement ratio (CSR)97%97.40%
Cashless claim settlement time 24-48 hoursUnspecified
Hospital network5,000+4000+ 

*Source: Insurance Regulatory and Development Authority of India’s (IRDAI) Annual Report – years 2019-20.

Health Insurance Policies: COCOCure Health Insurance vs Kotak General Health Insurance

Choosing any health insurance policy between COCOCure Health Insurance and Kotak General Health Insurance would ensure that you receive comprehensive coverage, get your claim settled 97 times out of 100, and have a wide network of hospitals to get treatment. 

Family Floater Policy:

COCOCure Health Insurance’s Navi Health – a family floater policy gives: 

  • Sums insured (SI) up to Rs. 1,00,00,000
  • Coverage for:
  • Pre and post-hospital care 
  • In-patient hospital care  
  • Non-allopathic treatments 
  • Home hospitalization
  • Mental illnesses treatment 
  • Daycare procedures/treatments
  • Advanced technology treatments 
  • 10 critical illnesses 
  • Maternity and newborn baby needs
  • Organ donor expenses 
  • HIV/ AIDS treatment 
  • 6 vector-borne diseases 
  • Bariatric surgery for weight control 
  • 5 counselling sessions 
  • Road and air ambulance charges 
  • Health and wellness services 

Kotak General Health Insurance offers two family floater policies: 

  • Kotak Health Care
  • Kotak Health Premier

These policies give: 

  • SI amounts up to Rs. 25,00,000
  • Coverage for:
  • Pre and post-hospital care 
  • In-patient hospital care  
  • Non-allopathic treatments 
  • Home hospitalization
  • Home nursing care
  • Up to 405 daycare procedures/treatments
  • Advanced technology treatments 
  • Maternity and newborn baby needs
  • Vaccination expenses of a newborn 
  • Organ donor expenses 
  • Annual health check-up 
  • Air and road ambulance charges 
  • Second medical e-opinion
  • Convalescence benefits 
  • Optional add-on covers 

Personal Accident Policy: 

COCOCure Health Insurance’s Personal Accident Policy called COCOProtect gives: 

  • SI up to Rs. 5,00,00,000
  • 100% SI on the death (of the insured) due to an accident  
  • 150% SI on permanent total disability 
  • Up to 75% SI on permanent partial disability 
  • 100% SI on an injury caused while engaging in adventure sports 
  • Up to 100% of the SI for burns and fractures 
  • Rs. 2,500 per week on temporary total disability 
  • Up to Rs. 10,000 for trauma counselling sessions (of the insured’s family)
  • Up to Rs 5,00,000 towards a child education benefit for the insured’s children 
  • Reimbursement for: 
  • Physiotherapy expenses
  • Mobility aids equipment 
  • In-patient hospitalization expenses 
  • Skill development course expenses 

Kotak General Health’s Personal Accident Policy called ‘Kotak Accident Care’ gives: 

  • 100% SI on the death (of the insured) due to an accident 
  • 100% SI on the death (of the insured) on permanent total disability 
  • Up to 100% SI on permanent partial disability 
  • Weekly cash benefits on temporary total disability 
  • Coverage for in-patient hospitalization expenses 

Rs. 10,000 towards convalescence benefits 

  • Six optional covers: 
  • Carriage of deceased 
  • Daily hospital cash 
  • Permanent total disability improvement benefit 
  • Permanent partial disability improvement benefit 
  • Child education grant 
  • Ambulance charges 

COVID-19 Policy: 

As per the IRDAIs mandate to provide COVID-19 coverage, insurers, including COCOCure Health Insurance and Kotak General Health Insurance now offer two standard insurance policies:

  • Corona Kavach 
  • Corona Rakshak

The Corona Kavach gives: 

  • SI up to Rs. 5,00,000
  • Coverage for: 
  • Pre, post and in-patient hospitalization 
  • Domiciliary hospitalization
  • Comorbidity conditions 
  • Non-allopathic treatments
  • Road ambulance charges 

Their Corona Rakshak policy gives: 

  • SI up to Rs. 2,50,000
  • 100% SI on the positive diagnosis of COVID-19 and a minimum of 72 hours of hospitalization
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