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    Kotak e-Term Plan is a pure term plan that provides a high level of protection to your loved ones in your absence.

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Kotak Raksha Group Micro Insurance Plan

Kotak Raksha Group Micro Insurance Plan is a protection oriented plan that aims to cover the socially and economically weaker sections of the society. It offers to provide security to them and their families in case of any unfortunate event. The plan provides flexibility in choosing cover options as per the needs and requirements of the members.

Key features

  • Flexibility to choose Plan options – Level Cover or Reducing Cover

    Gives flexibility to choose any of the cover options basis needs of the members at the inception.

  • Flexibility to cover Single or Joint Life

    Depending on the need of the member the cover can be opted for either Single / Joint life.

  • Flexibility to pay premiums as per convenience

    Premium payment options of Regular, Single or One Year Renewable Term (OYRT) are available.


  • Eligibility

    • Group Size: Min: 5 | Max: No Limit
    • Age criteria: Entry Age (as on Last Birthday) Minimum: 18 years | Maximum: 65 years
    • Maximum Maturity age (last birthday): Regular Pay: 70 years | Single Pay : 67 years | One Year Renewable Term (OYRT) : 66 yrs
  • Basic Sum Assured per Member

    • Rs. 5,000 - Rs. 2,00,000 per member
  • Cover Term

    • Regular Pay:6 months - 7 years(Term will be in multiple of One Month)
    • Single Pay:6 months - 7 years(Term will be in multiple of One Month)
    • OYRT:1 year (Annually Renewable, indefinitely)
  • Premium Frequency

    • Single || Regular/OYRT – Yearly, Half-yearly, Quarterly, Monthly
  • Modal Factors (as % of tabulated rate)

    • Annual 100% , Half-Yearly 51%, Quarterly 26%, Monthly 8.75%
  • Premium Payment Term (PPT)

    • Regular, Single & OYRT


Download the brochure to know more about the plan and how it can benefit you.

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Read about Tax benefits & Plan Disclaimer

Tax Benefits & Disclaimers

Applicable tax benefits for premiums and benefits will be available as per the Income Tax Act, 1961. Tax laws are subject to amendments from time to time. You are advised to take an independent view from tax consultant.

Kotak Raksha Group Micro Insurance Plan: UIN: 107N101V03, Form No: N101; Ref. No.: KLI/18-19/E-WEB/579

Kotak Mahindra Life Insurance Company Ltd.(Formerly known as Kotak Mahindra Old Mutual Life Insurance Ltd.); Regn. No: 107, CIN: U66030MH2000PLC128503; Regd. Office: 2nd Floor, Plot # C - 12, G - Block, BKC, Bandra (E), Mumbai - 400 051;



Toll Free No. – 1800-209-8800

This is a Group Term Life Micro Insurance plan. This website content only gives the salient features of the plan. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.


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