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Are you prepared?

Unforeseen medical expenses tend to burn a hole in our pockets & eat into our savings. The cost of medical procedures & treatments are rising at an alarming rate, medical inflation being twice that of general inflation. 
Gone are the days when critical illnesses like heart attack, cancer etc. were rarely heard of. So how does one shield against such unforeseen expenses and make sure that there is no compromise on the quality of healthcare? 
Kotak Secure Shield is a Benefit Product designed keeping this in mind to shield you & your family against such adversities and provide a financial cushion. You can opt for critical illness, personal accident and/or loss of job benefits

Critical Illness Benefit

First diagnosis of the below-mentioned Illnesses:

a. Cancer of specified severity 
b. Kidney failure requiring regular dialysis 
c. Multiple Sclerosis with persisting symptoms 
d. Motor Neurone Disease with Permanent Symptoms 
e. Benign Brain Tumor 
f. Primary Pulmonary Hypertension 
g. End Stage Liver Disease/Failure

Undergoing for the first time of the following surgical procedures:

h. Major Organ / Bone Marrow Transplant 
i. Open heart replacement or repair of heart valves 
j. Open chest CABG 
k. Aorta Graft Surgery

Occurrence for the first time of the following medical events:

l. Coma of Specified Severity 
m. Stroke resulting in permanent symptoms 
n. Permanent Paralysis of Limbs 
o. First Heart Attack- of specified severity 
p. Third Degree (or Major) Burns 
q. Deafness or Loss of Hearing 
r. Loss of Speech


Entry Age Minimum 18 years & Maximum 65 years
Renewal Age Life long renewals allowed
Policy Period 1, 2 & 3 years
Grace Period 30 days for renewals

Sum Insured and Premium Details
Coverage, Sum Insured and Premium illustration table for non-loan linked customers for(Critical Illness + Personal Accident and Child Education Benefit)

Policy Exclusions

It is important to understand the exclusions not covered under the policy to avoid any inconvenience in the event of a claim. Following are some of the general exclusions under this policy. A complete list of exclusions can be found in the Policy Wordings on our website

  • Any Pre-existing Diseases will not be covered for a period of 48 months of continuous coverage under the policy 
  • First occurrence of any medical condition or event within 90 days of policy commencement 
  • Any claim arising or resulting from Insured Person committing any breach of the law with a criminal intent. 
  • War, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all Heads of State and citizens of whatever nation and of all kinds and acts of terrorism. 
  • Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel. For the purpose of this exclusion, combustion shall include any self-sustaining process of nuclear fission. Nuclear weapon materials. 
  • Usage, consumption or abuse of substances intoxicants, hallucinogens, alcohol and/or drugs. 
  • Self-destruction or self inflicted injury, attempted suicide or suicide. 
  • Any sexually transmitted diseases. Acquired Immuno Deficiency Syndrome (AIDS), AIDS related complex syndrome (ARCS) and all diseases caused by and/ or related to the HIV. 
  • Any consequential or indirect loss or expenses arising out of or related to any event giving rise to a Claim under the Policy. 
  • While serving in any branch of the Military or Armed Forces of any country during war or warlike operations. 
  • Any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. The Policy also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to action taken in respect of any act of terrorism.

How to claim?

Critical Illness Claims 

Intimate us in writing within 10 days of first occurrence/diagnosis of a Critical Illness. 
Submit all relevant documents* related to claim within 30 days.

Personal Accident Claims 

Intimate us in writing within 7 days of any injury due to an accident which is likely to give rise to a claim. 
Submit all relevant documents* related to claim within 30 days.

Loss of Job Claims 

Intimate us in writing along with the necessary information & documentation* within 30 days of the Insured Person’s termination, dismissal, temporary suspension or retrenchment from employment.

For a complete list of documentation required for claim settlement, please refer to the Policy Wordings on our website