Zurich Kotak Health360 – Comprehensive Health Insurance for Modern India
Health insurance in India is evolving rapidly, and Zurich Kotak Health360 is designed to address the growing needs of Indian families who want comprehensive coverage, global options, and predictable premiums. Whether it is an unexpected hospitalisation, advanced medical treatment, or wellness rewards, Health360 is built to secure your health and finances with a 360-degree approach.
Key Features of Zurich Kotak Health360
Wide Range of Sum Insured
Choose coverage from ₹5 lakh up to ₹5 crore.
Unlimited Restoration
Refill your sum insured unlimited times for unrelated illnesses.
Premium Secure Benefit
Your premium remains unchanged until your first claim.
Wellness Program
Earn renewal discounts by tracking healthy activities.
Global Coverage
Access medical treatment abroad with higher plans.
Flexible Plans
Three variants – Silver, Gold, and Platinum – to suit different budgets.
Optional Covers
| Optional Add-on | Coverage Offered |
|---|---|
| Global Cover | Emergency & planned treatment abroad (Platinum only, up to ₹2 Cr) |
| Maternity & Newborn | ₹50,000 – ₹2 Lakh based on plan |
| Critical Illness Cover | Lump sum up to ₹25 Lakh on diagnosis of 18 critical illnesses |
| Personal Accident Cover | Lump sum up to ₹25 Lakh |
| Hospital Daily Cash | ₹1,000 – ₹2,000/day (up to 10 days) |
| Child Accompaniment Cash | ₹1,000 – ₹2,000/day (up to 10 days) |
| Home Nursing Benefit | ₹3,000/day up to 15 days |
| Essential Equipment Cover | ₹10,000 – ₹30,000 per year |
| Step Up Benefit | Multi-year Sum Insured combined for full tenure |
| One Plus Benefit | Add future spouse with waiting period already covered |
Waiting Periods
- Initial Waiting Period: 30 days for most illnesses
- Specified Diseases/Procedures: 24 months
- Maternity Benefit: 24 months of continuous coverage
- Pre-existing Diseases (PEDs): 36 months (can be reduced to 12/24 months via optional add-on)
Exclusions
- Cosmetic or plastic surgery unless medically necessary
- Gender reassignment treatments
- Treatment related to hazardous/adventure sports
- Breach of law or substance abuse
- Treatment at excluded providers (as per policy document)
Why Choose Zurich Kotak Health360?
- Backed by Zurich Insurance (global expertise) and Kotak Mahindra Bank (strong Indian presence)
- Flexible sum insured options up to ₹5 crore
- Lock the premium feature for predictable costs
- Wellness-linked rewards encouraging a healthy lifestyle
- Wide network for cashless treatment and annual health check-ups.
FAQs – Zurich Kotak Health360
Summary
Zurich Kotak Health360 is a future-ready plan that combines unlimited cover, premium stability, wellness rewards, and international benefits. Whether you want to safeguard your family’s health in India or plan for emergencies abroad, Health360 ensures you are financially prepared.
Disclaimer: This information is not a contract of insurance. Please refer to the official Policy wording document for precise terms and conditions. All benefits are subject to policy terms and underwriting. *Terms and Conditions Apply.