Kotak Mahindra General Insurance

Kotak General motor insurance covers cars, two-wheelers, passenger vehicles and goods-carrying commercial vehicles. Plans include the statutory third-party cover, standalone own-damage insurance and comprehensive insurance bundling both.

For commercial vehicles, Kotak General offers cashless services and add-on covers for accessories protection. The cashless network of 1,300+ network garages covers most major Indian cities. For Kotak Bank customers, the seamless integration with bank servicing makes claims and renewals especially convenient.

Kotak General health insurance includes a range of named plans — Secure Shield, Health Care, Accident Care, Health Premium and Super Health Super Top Up. Coverage includes pre and post-hospitalisation expenses, maternity benefits, hospital cash benefit, daily cash benefit, home nursing facility and air ambulance cover.

Group plans extend cover to employees and groups — Group Accident Care, Group Health Care, Group Secure Shield, Group Accident Protect, Group Hospital Cash and Group Smart Cash. The cashless network of 4,000+ hospitals supports claims across India.

Kotak General's home insurance is a simplified product designed for individual homeowners. It covers the structure and contents of your home against fire, earthquake, burglary and theft. Optional 5-year extensions are available, along with alternate accommodation rent cover if your home becomes uninhabitable.

For Indian homeowners, home insurance is one of the most under-bought lines. The annual premium is small relative to replacement value, and the 5-year extension option simplifies renewal management.

For businesses, Kotak General provides Contractors All Risks Insurance, Contractors Plant and Machinery Insurance, Shop Secure and Marine Cargo Insurance. These cover project-based risks, mobile machinery, retail shop premises and goods in transit respectively.

Contractors and SME owners typically need a combination of these — Plant and Machinery for site equipment, Marine Cargo for materials in transit, Shop Secure for stockroom protection. Policywings handles placement and renewals as a single point of contact.

Kotak General travel insurance covers leisure and business trips against medical emergencies, baggage loss, trip cancellation and other travel risks. Plans are issued digitally with quick turnaround for last-minute travel.

For frequent travellers, a multi-trip annual plan is typically more cost-effective than buying a fresh policy per trip. A Policywings advisor can help pick the right plan based on your travel frequency and destination mix.