New India Health Insurance vs Kotak Health Health Insurance

When you fall sick, timely care is what you need the most. Being tailored and customized to take care of you when you are most vulnerable, a health insurance policy will cover you and your loved ones at all times. It is wise to trust leading health insurance providers like New India Health Insurance and Kotak Health Care Insurance to offer you the best benefits in these trying times. 

New India Health Insurance versus Kotak Health Care Insurance – Overview 

Parameter New India Health InsuranceKotak Health Care Insurance
Number of health insurance plans108
E-servicesPolicy sale, Policy renewal, Claim settlement, Online consultation, Branch locator, 24×7 customer servicePolicy sale, Policy renewal, Claim settlement, Online consultation, Branch locator, 24×7 customer service
Branches1000+13+
Claim settlement ratio95.92%97.40%
Network Hospitals 1,500+4,000+

*Source: IRDAI Annual Report 2018-19

Health Insurance Policies: New India Health Insurance versus Kotak Health Care Insurance

New India Health Insurance offers 10 health insurance policies for individuals, families, and senior citizens. They provide coverage against accidents, critical illnesses, and COVID-19, and other health problems. 

Kotak Health Care offers 8 health insurance policies. A prospective policyholder can avail all their policies on an individual or on a family floater basis. They provide coverage against accidents, critical illnesses, COVID-19 and other health issues. 

This New India Health Insurance and Kotak Health Care Insurance comparative guide will help you pick an insurance provider offering you the best benefits and suited to your unique needs. 

Family Floater Policy: 

New India Health Insurance offers 3 family floater policies – New India Floater Mediclaim Policy, New India Premier Mediclaim Policy and New India Top-up Mediclaim Policy. These policies provide: 

  • A sum insured (SI) amount up to Rs.100,00,000 
  • A waiver of pre-policy medical checkup for those below 50 years of age 
  • Critical care benefits up to Rs.5,00,000 for 11 ailments 
  • Coverage for in-patient hospitalization expenses 
  • A daily hospital cash allowance of Rs.2000 or Rs.4,000 
  • Coverage for organ donor transplantation 
  • 20% of SI for AYUSH # treatment 
  • 10% of SI for cataract treatment 
  • Coverage for over 130 daycare procedures
  • A maternity and newborn baby cover after the completion of the waiting period

# – AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)

Kotak Health Care offers 2 family floater policies – Kotak Health Care (Excel, Premium and Prime) and Kotak Health Super Top-up that provide: 

  • Coverage for up to 19 familial relations 
  • A Sum Insured (SI) amount up to Rs.1,00,00,000
  • Coverage for in-patient hospitalization, pre and post hospitalization charges 
  • Coverage for AYUSH treatment (up to Rs.50,000 and domiciliary hospitalization 
  • Cover for over 400 daycare procedures, and organ donor transplantation  
  • Coverage for maternity and newborn expenses 
  • A no claim bonus of 10%-50% of your SI 
  • Emergency ambulance costs (up to Rs.2000 per hospitalization)

Arogya Sanjeevani Policy:

New India Health Insurance Arogya Sanjeevani Policy provides: 

  • Sum Insured (SI) amounts ranging between Rs.1,00,000 and Rs.5,00,000
  • Reimbursement for pre, post and in-hospitalization charges
  • Up to 100% payment of SI for AYUSH treatment
  • Coverage for HIV, mental illness and genetic disorders 
  • Payment of 25% SI for cataract surgery
  • Payment of 50% SI for over 10 advanced treatments
  • Reimbursement for dental treatment caused due to an illness/injury
  • Waiver of pre-policy medical checkup 

Kotak Health Care Arogya Sanjeevani Policy provides: 

  • Sum Insured (SI) amounts ranging between Rs.1,00,000 and Rs.5,00,000 
  • Coverage for in-patient hospitalization, pre and post hospitalization charges 
  • Coverage for AYUSH treatment and daycare procedures 
  • 50% of SI for advanced treatment
  • 25% of SI for cataract treatment 
  • Coverage for ambulance costs (up to Rs.2,000 per hospitalization) 

Corona Kavach Policy: 

New India Health Insurance Corona Kavach Policy provides: 

  • A sum insured (SI) amount ranging between Rs.50,000 and Rs.5,00,000
  • Coverage for in-patient hospitalization, pre and post hospitalization charges 
  • Coverage for AYUSH treatment and homecare treatment 
  • Ambulance costs (up to Rs.2000 per hospitalization) 
  • 30% loading for persons suffering from co-morbidities
  • 5% discount on the premium rate to women

Kotak Health Care Corona Kavach Policy provides:

  • A sum insured (SI) amount ranging between Rs.50,000 and Rs.5,00,000
  • Coverage for in-patient hospitalization, pre and post hospitalization charges 
  • Coverage for home care treatment and AYUSH treatment expenses
  • Expenses for road ambulance services

With the offerings of New India Health Insurance and Kotak Health Care Insurance listed above, you will be able to make an informed choice on the policy best suited to your needs. 

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