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Kotak Health Shield

A Non-Linked, Non-Participating, Fixed Benefit Health Plan

Health is the greatest blessing for all human beings. Today, every individual is aware that the number of illnesses are increasing day by day and so are the related costs for treatment. For most, treatment in the best facility could lead to a dent in the pockets while for some it may lead to selling assets and mounting debts. Therefore, it is important to plan for your health emergencies before it is too late.

Presenting Kotak Health Shield, a fixed benefit health insurance plan which covers early or major stages illnesses / conditions related to Cancer, Cardiac, Liver, Neuro and also offers financial protection against Personal Accident - accidental death or disability.

Key Advantages:

  • Flexibility to avail coverage against 4 Critical Illnesses under the same policy
    • Cancer Shield
    • Cardiac Shield
    • Livo Shield
    • Neuro Shield
  • Flexibility to avail protection against Personal Accident and secure financial protection/future of your loved ones against accidental death or disability by opting for Personal Accident Shield
  • Flexibility to extend the coverage to your spouse
  • Option to enhance your coverage through
    • Daily Hospitalization Cash Benefit
    • Waiver of Premium on being diagnosed with Minor Conditions
    • Income Benefit on being diagnosed with Major Conditions
  • Inbuilt Wellness Benefit to ensure your safety
    • Second Medical Opinion
    • Emergency Medical Evacuation
    • Medical Monitoring
    • Medical Repatriation
    • Compassionate Visit
  • Provides Tax Benefits on premiums paid under Section 80(D) of Income Tax Act, 1961


Mr Satish, a 35-year-old male, opts for Cancer Shield with Sum Assured of Rs. 30 lakhs & Cardiac Shield with Sum Assured of 20 lakhs for a period of 40 years. He also opts for all the Optional Benefits - Daily Hospital Cash Benefit (Rs. 5,000/day), Waiver of Premium & Income Benefit. For this he pays a regular premium of Rs. 15,435~ per annum.

  • He gets diagnosed with Early Stage Cancer during the policy term – Payout of 25% of Cancer Shield Sum Assured i.e. Rs. 7.5 lakhs is given to him
  • Premium is waived for 3 years
  • After 3 years, he continues paying premium of Rs. 15,435 per annum
  • During the term, he gets diagnosed with Major Stage Cardiac - Payout of 100% of Cardiac Sum Assured i.e. Rs. 20 lakhs is paid and cover under Cardiac Shield and the Plan Option terminates
  • He receives Income Benefit of Rs. 20,000 per month for 12 months
  • He pays reduced Premium of Rs. 5,909 per annum for Cancer Shield & all optional benefits to continue
  • (~The above premium figure is exclusive of Goods and Services Tax and Cess, as applicable. Goods and Services Tax and Cess are subject to change from time to time as per the prevailing tax laws.)


  • Entry Age (as on last birthday):

    • Min – 18 years
    • Max – 65 years
  • Maturity Age (as on last birthday):

    • Min – 23 years
    • Max - 75 years
  • Policy Term:

    • Min – 5 years
    • Max – 40 years

    Policy Term of the Life Assured & Spouse may or may not be same based on their respective age at entry.

  • Premium Payment Term:

    Single (applicable only for policy term of 5 years) | Equal to Policy Term

  • Premium Payment Mode:

    • Regular Pay (equal to policy term)
    • Single Pay (applicable only for policy term of 5 years)
  • Premium Payment Frequency:

    • Regular Pay - Yearly / Monthly
    • Single Pay – One-time Payment
  • Sum Assured*:

    • Min – Rs. 10,00,000 per Life Assured per Plan Option
    • Max - Rs. 50,00,000 per Life Assured per Plan Option

    *There is an overall cap of Rs 1 Cr. on the Sum Assured applicable per life in case multiple plan options are chosen together excluding Personal Accident Shield. The Life Assured has the flexibility to allocate the Sum Assured under the opted Plan Options as per his/ her requirement.

    Additionally, the Life Assured may also choose to add Rs 50 Lacs under Personal Accident Shield.

  • Coverage Type:

    Individual /Spouse Cover^

    Note - ^Under Spouse Cover, the benefits shall be extended to the Spouse of the Life Assured also.

  • Minimum Premium#:

    Base Options Regular Premium Single Premium
    Male Female Male Female
    Personal Accident Shield 750 850 950 1050
    Cardiac Shield 400 390 1,350 1,320
    Cancer Shield 420 440 1,450 1,510
    Neuro Shield 480 460 1,720 1,650
    Option E : Livo 360 300 1,230 1,070

    #The minimum premium is for an 18-year old for 10 lakhs Sum Assured for all Plan Options.


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Read about Tax benefits & Plan Disclaimer

Tax Benefits You may avail of tax benefits under Section 80D of Income Tax Act, 1961 subject to conditions as specified in those sections. Tax benefits are subject to change as per tax laws. Customer is advised to take an independent view from tax consultant.

Terms & Conditions Kotak Health Shield UIN No.: 107N105V01, Form No. N105. This is a non-participating, fixed benefit, health insurance plan. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. Ref. No: KLI/20-21/E-WEB/683.

Kotak Mahindra Life Insurance Company Ltd. Reg No. 107; CIN : U66030MH2000PLC128503; Regd. Office: 2nd Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai – 400051 | Toll Free: 1800-209-8800|Website: | Email:

Assist America Contact Details

Assist America Medical Emergency Services (India) Private Limited, #509, 5th Floor, Filix Towers, Opp Asian Paints, LBS Marg, Bhandup-West, Mumbai-400 078 | Customer Care No: 1800-425-2955 / +91 040-23321204 | Email ID: |Website:| Second Medical Opinion -

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