Zurich Kotak General Health Insurance: A Complete Guide

Zurich Kotak (formerly known as Kotak General Insurance) is a relatively new player in India’s general insurance space, backed by the Kotak Mahindra Group and Zurich Insurance Group. At Ditto, we take a closer look at its health insurance plans, claims experience, strengths, and gaps to help you decide how well it stacks up against more established insurers.

About the Insurer

Zurich Insurance Group is a leading global multi-line insurer with a legacy of over 150 years. Today, it serves more than 75 million customers across over 200 countries and territories, backed by a strong track record of industry-leading total shareholder returns.

Kotak General Insurance was incorporated on 20 December 2014 and received its IRDAI licence on 18 November 2015. It began operations in December 2015 as a wholly owned subsidiary of Kotak Mahindra Bank, offering non-life insurance products.

Insights: The figures indicate decent CSR and ICR, supported by a large network of hospitals and relatively low complaint volumes. However, its business scale remains small, with systems and processes that are still less mature compared to larger, more established insurers.

Note:  The eligibility criteria are broadly generic and can vary from plan to plan.

 Zurich Kotak Health Insurance Plans

1. Health Premier: This is a comprehensive health insurance plan from Zurich Kotak General Insurance that offers broad medical protection for individuals and families, including coverage for pre- and post-hospitalization expenses, and modern treatments. Here are some of its features:

• Inpatient treatment arising out of a minimum of 24 hours of hospitalization will be covered
• Medical expenses incurred for the 405 listed daycare procedures are covered
• 100% restoration of the Base Sum Insured and cumulative bonus can be earned up to 50% / 100% of the Sum Insured as per the plan opted for
• Maternity benefit available for 2 deliveries across all policy years
• One free health check-up for the insured person

2. LiveWise: This is another comprehensive health insurance plan from Zurich Kotak General Insurance that offers broad medical coverage for individuals and families from ₹5L to ₹1Cr. Here are some of its features:

• Inpatient treatment, day care treatment, and modern treatments up to the sum insured 
• Value-added services such as dental benefits and  OPD benefits
• Wellness benefits like access to digital fitness coaching, artificial intelligence fitness coaching, and a nutritionist
• Pre-hospitalization medical expenses 60 days before hospitalization, and post-hospitalization expenses 180 days after discharge
• Option to reduce the pre-existing disease waiting period from 36 months to 24/12 Months, and option to reduce the specified disease waiting period of 24 months to 12 months

3. Health 360: Zurich Kotak Health 360 is a comprehensive health insurance plan launched in 2025, available in Silver, Gold, and Platinum variants with a sum insured from ₹5 lakh to ₹5 crore. Here are some of its features:

• For each claim-free year, you can get an amount equal to 10% of the premium on the 1st renewal and 5% thereafter on each renewal from the 2nd renewal onwards
• Compassionate visit up to ₹20,000 for each variant
• Worldwide cover (max up to ₹2 cr) for the platinum variant 
• Get a 15% discount on premium if you choose medical treatment at their listed hospitals through the Smart Select option

Besides the above-listed health plans, Zurich Kotak also offers critical illness and super-top up plan. 

Note: Listed annual premiums are for a sum insured of ₹15 lakh, residing in Delhi, without any Add-ons. The premiums can vary according to the medical underwriting and the city you reside in.

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Ditto’s Take on Zurich Kotak Health Insurance

Despite operating for over nine years, Kotak has not scaled its health insurance business at the same pace as leading peers. Its product portfolio remains relatively limited, with depth and innovation still evolving compared to seasoned players like HDFC ERGO and Care Health. 

Additionally, Zurich Kotak’s reliance on outsourced TPAs for claims processing can sometimes lead to operational inefficiencies and delays in claim settlements.

If you are looking for a health plan with established insurers, explore our comprehensive health insurance plans for 2026 to compare options and choose what suits you best.

Note: Ditto is not a partner of Zurich Kotak General Insurance. All information in this article is based on details available on their official website and other publicly available sources.