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Zurich Kotak · ZUKHLIP25054V052425

Zurich Kotak Health Premier

Zurich Kotak Health Premier (IRDAI UIN ZUKHLIP25054V052425) is an individual and family floater health insurance plan with sum insured from 2 lakh to 2 crore (14 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Zurich Kotak Health Premier is a health insurance plan from Zurich Kotak. Key specifications: plan type Individual and family floater, room rent No cap unless optional 'Cap on Room Rent' is opted (1% of base SI non-ICU, 2% ICU), pre-existing disease waiting 36 months.

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Plan type
Individual and family floater
Room rent
No cap unless optional 'Cap on Room Rent' is opted (1% of base SI non-ICU, 2% ICU)
Pre-existing disease waiting
36 months

Pros

  • No room-rent cap

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 2 lakh, 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore
Highest sum insured 200 lakh
Entry age From 91 days (no maximum stated)
Room rent No cap unless optional 'Cap on Room Rent' is opted (1% of base SI non-ICU, 2% ICU)
Co-payment Zone-based: 10% or 20% when treated in a higher zone than the zone paid for

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Day-care treatment Yes
AYUSH treatment Yes
Restore benefit 100% restoration of the Base Sum Insured once in a policy year
No-claim bonus 10% of the Base Sum Insured for each renewal up to a maximum of 50% or 100% as per plan; no reduction in case of a claim
Maternity Optional (with 3 year waiting period) on Edge and higher plans; Not Available on Standard and Advantage

Insurer

Health incurred claim ratio (insurer) 70.69%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 22600+
IRDAI UIN ZUKHLIP25054V052425

About the Health Premier

Zurich Kotak Health Premier (IRDAI UIN ZUKHLIP25054V052425) is an individual and family floater health insurance plan with sum insured from 2 lakh to 2 crore (14 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Zurich Kotak.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 2 lakh, 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore
  • Entry age: From 91 days (no maximum stated)
  • Room rent: No cap unless optional 'Cap on Room Rent' is opted (1% of base SI non-ICU, 2% ICU)
  • Co-payment: Zone-based: 10% or 20% when treated in a higher zone than the zone paid for

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: 100% restoration of the Base Sum Insured once in a policy year
  • No-claim bonus: 10% of the Base Sum Insured for each renewal up to a maximum of 50% or 100% as per plan; no reduction in case of a claim
  • Maternity: Optional (with 3 year waiting period) on Edge and higher plans; Not Available on Standard and Advantage

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same.

Premium

It depends on your age, cover, city and options. Zurich Kotak does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

About the insurer

Zurich Kotak's health incurred claim ratio was 70.69% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Zurich Kotak states a network of 22600+ hospitals.

Similar plans from other insurers

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Health Premier

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Aditya Birla Health

Activ Health Platinum Enhanced

  • Individual and family floater Plan type
  • SI Rs 4 lakh and above: options Shared Room / Single Private A/C Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/C Room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Aditya Birla Health

Activ One NXT

  • Individual and family floater Plan type
  • No capping - actuals up to base sum insured Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

SBI General

Health Alpha

  • Individual and family floater Plan type
  • Up to actuals or Single Private AC Room or Twin Sharing Room, as opted Room rent
  • 24 months Pre-existing disease waiting
Sample premium ₹7,219 a year*

Head to head

Compare the Health Premier

Questions

Health Premier FAQs

It depends on your age, cover, city and options. Zurich Kotak does not publish a premium chart for this plan that Comparezi could check, so no figure is shown. Get a quote from the insurer.

ZUKHLIP25054V052425. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: No cap unless optional 'Cap on Room Rent' is opted (1% of base SI non-ICU, 2% ICU).

Co-payment as stated by the insurer: Zone-based: 10% or 20% when treated in a higher zone than the zone paid for.

Maternity as stated by the insurer: Optional (with 3 year waiting period) on Edge and higher plans; Not Available on Standard and Advantage.

2 lakh, 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 75 lakh, 1 crore, 150 lakh, 2 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

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