Reliance Health Insurance vs Kotak General Health Insurance

While health issues can bring your spirit down, having financial support with the help of health insurance can wipe your troubles. Get the much-needed peace and security you deserve, starting by reading this Reliance Health Insurance and Kotak General Health Insurance comparison guide. Pick a health insurance policy matching your needs and budget, and let it be your reason to smile.

Reliance Health Insurance vs Kotak General Health Insurance – Overview 

Parameter Reliance Health InsuranceKotak General Health Insurance
No. of health insurance policies10+10+
E-servicesPolicy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer servicePolicy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 customer support 
Branches130+1600
Claim settlement ratio (CSR)94%97.40%
Hospital network7,000+4000+

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

Health Insurance Policies: Reliance Health Insurance vs Kotak General Health Insurance

Reliance Health Insurance offers over 10 health insurance policies for individual, familial, senior citizen and other health needs. 

Kotak General Health Insurance also offers over 10 health insurance policies that cater to the needs of individuals, families, senior citizens, corporate groups and others. 

Buying your health insurance policy from either of the two insurance companies would ensure you receive optimum protection, instant assistance, and access to leading hospitals. Moreover, you have a high chance of getting your claim settled if it ticks off all the policy-stated requirements. 

Family Floater Insurance: 

All of Reliance Health Insurance and Kotak General Health Insurance’s policies are available on a family floater basis. However, there are separate health insurance policies offered by the two insurance providers altogether for this purpose

For Reliance Health Insurance, these include:

  • Health Gain
  • HealthWise. 

These policies provide: 

  • Sums insured (SI) up to Rs. 18,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary hospitalization
  • Nursing care expenses 
  • Daycare procedures
  • Organ donor expenses 
  • AYUSH treatments
  • Critical illness treatment 
  • Health check-up 
  • Advanced technology treatments 
  • Pre-existing diseases after 2-4 years 
  • Road ambulance charges up to Rs. 1,500 
  • Personal accident coverage 
  • Recovery and wellness benefits 
  • Automatic restoration of the SI 

For Kotak General Health Insurance, these include: 

  • Kotak Health Care
  • Kotak Health Premier

These policies provide: 

  • SI up to Rs. 25,00,000
  • Coverage for:
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • AYUSH treatments 
  • Domiciliary hospitalization
  • Home nursing care expenses 
  • 405+ daycare procedures
  • Organ donor expenses 
  • Advanced technology treatments 
  • Maternity and newborn baby needs
  • Air/ road ambulance charges 
  • Second medical e-opinion
  • Annual health check-up 
  • Optional add-on covers such as: 
  • Daily hospital cash 
  • Personal accident cover
  • Critical illness cover 
  • Recovery benefit cover 

Personal Accident Insurance: 

Reliance Health Insurance’s Personal Accident Policy provides: 

  • SI up to Rs. 20,00,000
  • 100% of the SI on the accidental death (of the insured) 
  • 100% of the SI on permanent total disablement 
  • Up to 75% of the SI on permanent partial disablement 
  • A cash benefit for the education of the insured’s children 
  • Reimbursement of in-patient hospitalization expenses 
  • Expenses for transportation up to Rs. 2,500 
  • Coverage for carriage of the deceased insured 
  • The option to opt for worldwide coverage 

Kotak General Health Insurance’s Personal Accident Policy called provides: 

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

Rs. 10,000 towards recovery benefits 

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

Saral Suraksha Bima: 

The Saral Suraksha Bima is a standard and affordable accident insurance policy offered by all insurers, including Reliance Health Insurance and Kotak General Health Insurance. The insurance policy offers accident coverage and the same benefits including,

  • SI up to Rs. 1,00,00,000 
  • 100% of the SI on the accidental death (of the insured) 
  • Up to 100% of the SI on permanent total disablement 
  • Up to 50% of the SI on permanent partial disablement 
  • Weekly cash benefits on temporary total disablement 
  • A cash benefit towards the education of the insured’s children 
  • Coverage for in-patient hospitalization expenses
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