{"uin":"ZUKHLIP25041V042425","name":"Health Super Top Up (Premium Plan)","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425","insurer":{"slug":"zurich-kotak-general-insurance","name":"Zurich Kotak General Insurance Company (India) Limited","url":"https://indiainsurances.com/insurer/zurich-kotak-general-insurance"},"line":"health","category":"health-topup","category_name":"Top-up and super top-up","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Health Super Top Up is an indemnity super top-up health policy with individual and floater options. The Premium plan has deductible options of 3 lakhs, 4 lakhs, 5 lakhs and 10 lakhs, with the deductible applying on aggregate basis for all hospitalisation expenses during the policy year.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:57:01.700865+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Classic","Excel","Premium","Prime"],"display":"Classic, Excel, Premium, Prime","note":null,"quote":"Plan | Classic ... Plan | Excel ... Plan | Premium ... Plan | Prime","sources":[{"clause":null,"heading":"Health Super Top Up","page":4,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18129#c-health-super-top-up"},{"clause":null,"heading":"Health Super Top-up","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18135#c-health-super-top-up"},{"clause":null,"heading":"Health Super Top Up","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18140#c-health-super-top-up"},{"clause":null,"heading":"Health Super Top Up","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18149#c-health-super-top-up"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1/2/3 years","display":"1/2/3 years","note":null,"quote":"Policy Period | 1/2/3 years","sources":[{"clause":null,"heading":"Health Super Top Up","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18140#c-health-super-top-up"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For planned cashless hospitalisation, contact the insurer or TPA at least 48 hours before admission. For emergency cashless care, contact within 24 hours of commencement of hospitalisation; for reimbursement, give written notice at least within 30 days of discharge.","display":"Planned cashless: at least 48 hours before hospitalisation; emergency cashless: within 24 hours; reimbursement: within 30 days of discharge","note":null,"quote":"At least 48 hours prior to a planned Hospitalization, We or Our TPA shall be contacted to request pre-authorization for availing the Cashless Facility for that planned Hospitalisation. ... We or Our TPA shall be contacted to request pre-authorization for availing the Cashless Facility for that Emergency Care within 24 hours of commencement of Hospitalisation. ... We shall be given written notice of the Claim for reimbursement along with the following details at least within 30 days of the Insured Person’s discharge from Hospital:","sources":[{"clause":"5.1(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-5-1-a"},{"clause":"5.1(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-5-1-b"},{"clause":"5.2","heading":"For Reimbursement Claims","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-5-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed Claim form signed by You and the Medical Practitioner (only for reimbursement claims)","Original Pre – authorization request","Copy of Pre – authorization approval letter","Copy of the photo identity document of the Insured Person","Original bills, receipts and discharge certificate/card from the Hospital/Medical Practitioner","Original bills from chemists supported by proper prescription","Original investigation test reports (including CT/MR/USG/ECG, as applicable) and payment receipts","Indoor case papers (if available)","Medical Practitioner’s referral letter advising Hospitalization in non-Accident cases and referral slip for all investigations carried out","Hospital discharge summary","FIR (if done) or MLC (if conducted) for Accident cases","Post mortem report (if applicable and conducted)","Any other document as required by Us or Our TPA to investigate the Claim or Our obligation to make payment for it"],"display":"Claim form, pre-authorisation papers, photo ID, hospital bills and discharge papers, pharmacy bills, investigation reports, indoor case papers, referral letter, discharge summary, FIR/MLC for accidents, post mortem report if applicable, and any other required document","note":"Documents must be provided within 30 days of discharge; for approved cashless claims, the network provider provides them immediately after discharge.","quote":"a) Duly completed Claim form signed by You and the Medical Practitioner (only for reimbursement claims);\nb) Original Pre – authorization request\nc) Copy of Pre – authorization approval letter\nd) Copy of the photo identity document of the Insured Person;\ne) Original bills, receipts and discharge certificate/card from the Hospital/Medical Practitioner;\nf) Original bills from chemists supported by proper prescription;\ng) Original investigation test reports (including CT/MR/USG/ECG, as applicable) and payment receipts;\nh) Indoor case papers (if available);\ni) Medical Practitioner’s referral letter advising Hospitalization in non-Accident cases and referral slip for all investigations carried out;\nj) Hospital discharge summary;\nk) FIR (if done) or MLC (if conducted) for Accident cases\nl) Post mortem report (if applicable and conducted);\nm) Any other document as required by Us or Our TPA to investigate the Claim or Our obligation to make payment for it.","sources":[{"clause":"6","heading":"CLAIM DOCUMENTS","page":18,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the claim along with claim form and necessary documents. Delay in payment carries interest from the date of receipt of last necessary document to payment at 2% above the bank rate.","display":"Within 15 days from receipt of claim along with claim form and necessary documents","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of claim along with claim form (and necessary documents). ... In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":"17(i)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-17-i"},{"clause":"17(ii)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-17-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the company through its website, toll-free number, email, courier address or branch grievance cell. If not satisfied, contact the grievance officer at grievanceofficer@zurichkotak.com before approaching the Insurance Ombudsman.","display":"Company website/toll-free/email/courier or branch grievance cell; then grievance officer at grievanceofficer@zurichkotak.com","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: www.zurichkotak.com Toll free: 1800 2120 E-mail: care@zurichkotak.com Courier: Zurich Kotak General Insurance Company (India) Limited, 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East), Mumbai- 400063. Maharashtra, India Insured person may also approach the grievance cell at any of the company's branches with the details of grievance If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at grievanceofficer@zurichkotak.com","sources":[{"clause":"16","heading":"Redressal of Grievance","page":24,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-16"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"For the Premium plan, sum insured options depend on the deductible: 3 lakhs deductible has 7 lakhs and 12 lakhs; 4 lakhs deductible has 6 lakhs, 11 lakhs and 16 lakhs; 5 lakhs deductible has 5 lakhs, 10 lakhs, 15 lakhs and 20 lakhs; 10 lakhs deductible has 20 lakhs, 25 lakhs, 30 lakhs and 40 lakhs.","display":"Premium: 7 or 12 lakhs with 3 lakhs deductible; 6, 11 or 16 lakhs with 4 lakhs deductible; 5, 10, 15 or 20 lakhs with 5 lakhs deductible; 20, 25, 30 or 40 lakhs with 10 lakhs deductible","note":"Premium plan prospectus.","quote":"Annual Sum Insured & Deductible | Deductible | Sum Insured Options\n3 lakhs | 7 lakhs | 12 lakhs\n4 lakhs | 6 lakhs | 11 lakhs | 16 lakhs\n5 lakhs | 5 lakhs | 10 lakhs | 15 lakhs | 20 lakhs\n10 lakhs | 20 lakhs | 25 lakhs | 30 lakhs | 40 lakhs","sources":[{"clause":null,"heading":"Health Super Top Up","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18140#c-health-super-top-up"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to covered accident claims; also does not apply if the insured person has continuous coverage for more than twelve months.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"3.2","heading":"30 Day Waiting Period (Code – Excl03)","page":11,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-3-2"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Premium plan prospectus; the wording says 36/ 24 months as mentioned in the Policy Schedule.","quote":"Waiting period for Pre-existing Illnesses | 36 months for all age groups","sources":[{"clause":null,"heading":"Health Super Top Up","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18140#c-health-super-top-up"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"If a listed disease/procedure also falls under the pre-existing disease waiting period, the longer waiting period applies.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"3.3","heading":"Specified disease/ procedure waiting period (Code – Excl02)","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-3-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Cataract*","Benign Prostatic Hypertrophy","Myomectomy, Hysterectomy unless because of malignancy","All types of Hernia, Hydrocele","Fissures and/or Fistula in anus, haemorrhoids/piles","Arthritis, gout, rheumatism and spinal disorders","Joint replacements unless due to Accident","Sinusitis and related disorders","Stones in the urinary and biliary systems","Dilatation and curettage, Endometriosis","All types of skin and internal tumors/ cysts/ nodules/ polyps of any kind including breast lumps unless malignant","Dialysis required for chronic renal failure","Surgery on Tonsilitis, adenoids and sinuses","Gastric and duodenal erosions and ulcers","Deviated nasal septum","Varicose Veins/ Varicose Ulcers"],"display":"Cataract; BPH; myomectomy/hysterectomy unless malignancy; hernia/hydrocele; fissures/fistula/piles; arthritis/gout/rheumatism/spinal disorders; joint replacement unless accident; sinusitis; urinary and biliary stones; D&C/endometriosis; skin and internal tumours/cysts/nodules/polyps unless malignant; dialysis for chronic renal failure; tonsil/adenoid/sinus surgery; gastric and duodenal erosions and ulcers; deviated nasal septum; varicose veins/ulcers","note":"Cataract has an additional sub-limit: INR 20,000 per eye per policy year.","quote":"a) Cataract*;\nb) Benign Prostatic Hypertrophy;\nc) Myomectomy, Hysterectomy unless because of malignancy;\nd) All types of Hernia, Hydrocele;\ne) Fissures and/or Fistula in anus, haemorrhoids/piles;\nf) Arthritis, gout, rheumatism and spinal disorders;\ng) Joint replacements unless due to Accident;\nh) Sinusitis and related disorders;\ni) Stones in the urinary and biliary systems;\nj) Dilatation and curettage, Endometriosis;\nk) All types of skin and internal tumors/ cysts/ nodules/ polyps of any kind including breast lumps unless malignant;\nl) Dialysis required for chronic renal failure;\nm) Surgery on Tonsilitis, adenoids and sinuses;\nn) Gastric and duodenal erosions and ulcers;\no) Deviated nasal septum;\np) Varicose Veins/ Varicose Ulcers.","sources":[{"clause":"3.3","heading":"Specified disease/ procedure waiting period (Code – Excl02)","page":12,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-3-3"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, sixty continuous months applies from the date of enhancement on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"14","heading":"Moratorium Period","page":23,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-14"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person may port the entire policy with all family members to another insurer by applying at least 30 days before, but not earlier than 60 days from, the renewal date. Accrued continuity benefits in waiting periods are available as per IRDAI guidelines if continuously covered without lapses.","display":"Can port to another insurer with accrued continuity benefits in waiting periods","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"8","heading":"Portability","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, life-long renewal","note":null,"quote":"Exit Age / Renewal | The Policy provides for life-long renewal","sources":[{"clause":null,"heading":"Health Super Top Up","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18140#c-health-super-top-up"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewal based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":"Separate underwriting risk loading up to 100% per insured person may apply based on declarations and health status, not claims experience.","quote":"No loading shall apply on renewals based on individual claims experience. ... There will be no loadings based on individual claims experience.","sources":[{"clause":"10","heading":"Renewal of Policy","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-10"},{"clause":"22","heading":"Underwriting and Loadings","page":25,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-22"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time during the term by giving 7 days written notice. For a 1-year policy, proportionate premium for the unexpired period is refunded if no claim was made; for multi-year policies, future policy years are refunded in full and a started policy year is refunded pro-rata if no claim was made, with medical examination expenses deducted where applicable.","display":"7 days notice; proportionate refund for unexpired period if no claim, with multi-year and medical-exam deduction rules","note":null,"quote":"The Policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. The Insurer shall –\n• For 1 year Policy Refund proportionate premium for unexpired policy period subject to no claim(s) were made during the policy period.\n• For Multi Year Policy - o For any policy year where the risk date has not yet started, the premium will be refunded without any deduction. o For any policy year where the risk has started, the premium will be refunded on a pro-rata basis for that policy year, provided no claim has been made during the policy year and in full for future policy years. Additional Deductions - Notwithstanding the above, if (i) the risk under the Policy has already commenced, or (ii) only a part of the insurance coverage has commenced, and the option of Policy cancellation is exercised by the Policyholder, then expenses incurred by the Company on medical examination of the Policyholder will also be deducted before refunding of premium.","sources":[{"clause":"7(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-7-a-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Claims are payable only if the cause of action arises in India, unless otherwise specifically provided, and treatment taken outside India is excluded.","display":"India only, unless otherwise specifically provided","note":null,"quote":"No Claims shall be payable under this Policy unless the cause of action arises in India, unless otherwise specifically provided in Policy. All Claims shall be payable in India and shall be in Indian Rupees only. ... (cc) Any treatment taken outside India;","sources":[{"clause":"23","heading":"Cause of Action/ Currency for payments","page":25,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-23"},{"clause":"3.4(b)(v)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-3-4-b-v"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"conflicting","value":{"unit":"days","amount":30},"display":"thirty days from date of receipt of the policy document","note":"Policy wording says thirty days from date of receipt of the policy document. CIS says: 'within 30 days from the beginning of the policy.'","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable. ... Free Look cancellation: You may cancel the insurance policy if you do not want it, within 30 days from the beginning of the policy.","sources":[{"clause":"6","heading":"Free Look Period","page":21,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-6-2"},{"clause":"3(b)(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18203#c-3-b-iii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"atleast 30 days","note":"For instalment premiums, the grace period is 15 days for monthly instalments and 30 days for quarterly, half-yearly or annual instalments.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of atleast 30 days to maintain continuity of benefits without break in policy. ... Grace Period of 15 days (where premium is paid on monthly instalments) and 30 days (where premium paid in quarterly / half yearly/ annual instalments) would be given to pay the instalment premium due for the policy.","sources":[{"clause":"10","heading":"Renewal of Policy","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-10"},{"clause":"12","heading":"Premium Payment in Instalments","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-12"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Entry age is 91 Days, with No Upper Limit for maximum entry age. Maximum entry age for dependent children is 25 Years.","display":"91 Days to No Upper Limit; dependent children up to 25 Years","note":"Premium plan prospectus.","quote":"Entry Age: | 91 Days\nMaximum Entry Age: | No Upper Limit\nMaximum Entry age for dependent children | 25 Years","sources":[{"clause":null,"heading":"Health Super Top Up","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18140#c-health-super-top-up"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["annual","Half Yearly","Quarterly","Monthly"],"display":"Annual, Half Yearly, Quarterly or Monthly","note":null,"quote":"Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly ... Grace Period of 15 days (where premium is paid on monthly instalments) and 30 days (where premium paid in quarterly / half yearly/ annual instalments) would be given to pay the instalment premium due for the policy.","sources":[{"clause":"12","heading":"Premium Payment in Instalments","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-12"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the renewal grace period. If premium is paid in instalments during the policy period, coverage is available for the instalment grace period.","display":"Renewal grace: no coverage; instalment grace: coverage available","note":null,"quote":"Coverage is not available during the grace period. ... If the premium is paid in instalments during the policy period, coverage will be available for the grace period also","sources":[{"clause":"10","heading":"Renewal of Policy","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-10"},{"clause":"12","heading":"Premium Payment in Instalments","page":22,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-12"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"quote-verified","value":"For the Premium plan, deductible options are 3 lakhs, 4 lakhs, 5 lakhs and 10 lakhs, paired with the listed sum insured options. The deductible applies on aggregate basis for all hospitalisation expenses during the policy year.","display":"3 lakhs, 4 lakhs, 5 lakhs or 10 lakhs; aggregate for the policy year","note":"Premium plan prospectus.","quote":"Annual Sum Insured & Deductible | Deductible | Sum Insured Options\n3 lakhs | 7 lakhs | 12 lakhs\n4 lakhs | 6 lakhs | 11 lakhs | 16 lakhs\n5 lakhs | 5 lakhs | 10 lakhs | 15 lakhs | 20 lakhs\n10 lakhs | 20 lakhs | 25 lakhs | 30 lakhs | 40 lakhs ... The Deductible will apply on aggregate basis for all hospitalisation expenses during the policy year.","sources":[{"clause":null,"heading":"Health Super Top Up","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18140#c-health-super-top-up"},{"clause":"1","heading":"DEFINITIONS","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-1"}],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"quote-verified","value":"aggregate","display":"Aggregate basis for all hospitalisation expenses during the policy year","note":null,"quote":"The Deductible will apply on aggregate basis for all hospitalisation expenses during the policy year.","sources":[{"clause":"1","heading":"DEFINITIONS","page":1,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-1"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":"The documents state inpatient treatment is covered up to the opted Base Annual Sum Insured, but do not state a daily room rent limit or that there is no such limit.","quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available at a Network Provider of the company. The network provider list is available on the insurer’s website or call centre, and pre-authorisation is required.","display":"Available at a Network Provider of the Company","note":null,"quote":"Cashless Facility will be available at a Network Provider of the Company. The complete list of Providers is available on Our website (The list is updated as and when there is any change in the Network Provider) or can be obtained from Our call centre.","sources":[{"clause":"5.1","heading":"For Cashless Facility","page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-5-1"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims may be handled by the insurer or its TPA; claim documents are directed to Family Health Plan (TPA) Ltd.","display":"We or Our TPA; Family Health Plan (TPA) Ltd","note":null,"quote":"At least 48 hours prior to a planned Hospitalization, We or Our TPA shall be contacted to request pre-authorization ... In the event of claims, please send the relevant documents to:\nFamily Health Plan (TPA) Ltd, Srinilaya – Cyber Spazio Suite # 101,102,109 & 110, Ground Floor, Road No. 2, Banjara Hills, Hyderabad, 500 034.","sources":[{"clause":"5.1(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302#c-5-1-a"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, Individual/ Floater","note":"Available for all Sum Insured Options in the Premium plan.","quote":"Policy Type | Individual/ Floater","sources":[{"clause":null,"heading":"Health Super Top Up","page":5,"url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18140#c-health-super-top-up"}],"law":[]}],"documents":[{"kind":"wording","label":"Health Super Top Up","pages":42,"fetched_at":"2026-10-17 20:14:04+00","source_url":"https://cms.zurichkotak.com/uploads/KHSTU_Policy_Wordings_Website_7b1f0d1a00_1_97c38fd0d9.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18302"},{"kind":"prospectus","label":"Health Super Top Up - Classic","pages":21,"fetched_at":"2026-10-17 20:05:02+00","source_url":"https://cms.zurichkotak.com/uploads/Health_Super_Top_Up_Classic_Prospectus_395d8d7988.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18129"},{"kind":"prospectus","label":"Health Super Top Up - Excel","pages":22,"fetched_at":"2026-10-17 20:05:18+00","source_url":"https://cms.zurichkotak.com/uploads/Health_Super_Top_Up_Excel_Prospectus_17d4ecff31.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18135"},{"kind":"prospectus","label":"Health Super Top Up - Premium","pages":22,"fetched_at":"2026-10-17 20:05:34+00","source_url":"https://cms.zurichkotak.com/uploads/Health_Super_Top_Up_Premium_Prospectus_f58cd6f126.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18140"},{"kind":"prospectus","label":"Health Super Top Up - Prime - Prospectus","pages":26,"fetched_at":"2026-10-17 20:05:48+00","source_url":"https://cms.zurichkotak.com/uploads/Health_Super_Top_Up_Prime_Prospectus_72c7cb6838.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18149"},{"kind":"cis","label":"Health Super Top Up","pages":9,"fetched_at":"2026-10-17 20:08:54+00","source_url":"https://cms.zurichkotak.com/uploads/Health_Super_Top_Up_CIS_ce5a74d1f2.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18203"},{"kind":"brochure","label":"Health Super Top Up","pages":4,"fetched_at":"2026-10-17 20:04:34+00","source_url":"https://cms.zurichkotak.com/uploads/Brochure_Health_Super_Top_Up_v2_24c3bd0446.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18123"},{"kind":"benefit-illustration","label":"Health Super Top Up (Premium Plan) – Benefit Illustration","pages":1,"fetched_at":"2026-10-17 20:04:10+00","source_url":"https://cms.zurichkotak.com/uploads/Health_Super_Top_Up_Benefit_Illustration_29bf7153ac.pdf","url":"https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425/document/18108"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zurich Kotak General Insurance ( ) official website","url":"https://www.zurichkotak.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.zurichkotak.com/services/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal process","url":"https://www.zurichkotak.com/customer-support/grievance-redressal-process","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewals","url":"https://www.zurichkotak.com/renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Health Super Top Up (Premium Plan) (UIN ZUKHLIP25041V042425), IndiaInsurances, https://indiainsurances.com/policy/zurich-kotak-general-insurance/health-super-top-up-premium-plan-zukhlip25041v042425"}