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Now you can buy life insurance plans completely online right here.

  • Kotak e-Term Plan

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

  • Kotak e-Assured Savings Plan

    Kotak e-Assured Savings Plan not only provides affordable protection but also helps accrue wealth for accomplishing your upcoming financial aims by giving guaranteed benefits.

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Critical Illness Claim

In case of a Critical Illness Claim, the rider amount will be paid if the life insured is diagnosed to be suffering from any of the illnesses as specified in the Policy Contract and if the criteria for claiming the rider benefits are satisfied.

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Critical Illness Claim
Documents to be Submitted*
Critical Illness Claim
Mandatory Documents
Duly-filled Rider Claim Intimation Form
Original policy documents
Life Insured’s photo, current address proof and photo ID proof

Medical records (consultation notes, treatment records, admission notes, hospital indoor case papers, discharge summary, investigation reports, etc )

Supporting documents

Life Insured’s copy of bank passbook / statement with bank account details

Critical Illness questionnaire/ medical questionnaire /physician statement

Critical Illness Claim

Note

  • Kotak Life Insurance reserves the right to request for a medical examination of the life insured and confirmation of the diagnosis of an insured’s Critical Illness Condition by a specified medical practitioner.
  • The Critical Illness Benefit claim is to be lodged by the life insured within 30 days from the date of diagnosis.
  • The Critical Illness Benefit Rider is terminated automatically on admittance of the Critical Illness Benefit (CIB) claim.
  • The Critical Illness Benefit Rider is subject to the conditions and the exclusions as laid down in the “Annexure CIB” within the Policy Contract.
  • Under Kotak Capital Multiplier Plan, Critical Illness Benefit amount is not paid – but credited to supplementary account
  • In case of a Critical Illness Claim, the rider amount will be settled if the Life Insured is diagnosed as suffering from any of the illnesses specified in the Policy contract and if the criteria for claiming this benefit are duly satisfied.

Additional Information

  • All submitted documents must be the original or photocopies attested by a gazetted officer, SEM, magistrate or a person of local standing, e.g. Sarpanch, Talathi, Tahsildar or Police Sub-Inspector.
  • All medical reports, documents and certification shall be issued by the attending physician and who is qualified to provide such document/certification according to the laws of India.
  • Depending on the facts and circumstances of the claim, Kotak Life Insurance reserves the right to call for and request certain additional documents.
  • Kotak Life Insurance reserves the right to conduct an independent investigation/inquiry to prove the authenticity of any claim where it is considered necessary.

*Disclaimers

These are basic guidelines to assist in the claims procedure. Please refer the Policy Contract for actual claims details.

The documents listed above are basic primary documents to be submitted for each claim. Based on the circumstances and the requirements of the case, Kotak Life Insurance may require further/alternate documents.

Need help for paying premium?

Call on toll free number 1800 209 8800(8:00 am to 10:00pm)

Call the toll free number for help regarding premium payments.

OR Mail to clientservicedesk@kotak.com

Kindly mail us at the above email and we will respond to you at the earliest.