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Kotak Headstart Child Assure

Kotak Headstart Child Assure

Unit Linked Life Insurance Plan

IN THIS POLICY, THE INVESTMENT RISK INVOLVED IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to withdraw/surrender the monies invested in Linked Insurance Products completely or partially till the end of the fifth year from inception.

Considering the constantly rising cost of education, fulfilling your children's aspirations can get harder with time. In the event of a parent's demise, the hopes of realising their dreams could be dashed. We recommend one of our most popular child plans – the Kotak Headstart Child Assure Plan.

As a unit-linked insurance plan (ULIP), it allows you to invest systematically to build a corpus for your children's education expenses and at the same time protect their dreams from unfortunate events, such as the death of a parent.

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Entry Age Of Child 18 to 60 years
Policy Term 10, 15 to 25 years
The minimum policy term will be greater of 10 and 18 minus age last birthday of the Beneficiary on the date of commencement, to ensure that the policy matures when the beneficiary has attained the age of majority. In case where 18 minus age last birthday on the date of commencement lies between two available policy terms, the next higher policy term will be offered.
Premium Payment Mode Annual and half-yearly
Premium Payment Term

10 /15 to 25 years (equal to the policy term)

5 years with policy term 10 years
10 years with policy terms 15 to 25 years


Regular and 10 PPT
Yearly – 20,000 p.a. and Half-yearly - 10,000

Yearly – 50,000 p.a. and Half-yearly - 25,000

Basic Sum Assured

Entry age of below 45

Min :
Higher of 10 x annualised premium
0.5 x policy term x annualised premium

Entry age of 45 and above

Higher of 7 x annualised premium
0.25 x policy term x annualised premium

Maximum: 25 x annualised premium.

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