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Kotak Term Insurance User Reviews

172 reviews Rate This
Kotak Term Insurance
Highlights
Claim Settlement Ratio98.50%
Customer Care8:00 AM to 10:00 PM
Death Benefit Paid For3,225 Policies
Inception2001
Presence232 Branches
Total Death Benefit PaidRs. 170.14 Crore

Term Life Insurance Premium Calculator

Gender

  • Male
  • Female

Age

Do you smoke or chew tobacco?

  • Yes
  • No

Choose required coverage to secure your family’s future

50L
1Cr
1.5Cr
2Cr
Disclaimer :
1. Premium has been calculated for coverage till 60 years
2. Final Plan Eligibility will depend on some other factors including tobacco habits, education, occupation and income of the life assured / proposer

Best Kotak Term Insurance Plans

1 Crore
2 Crore
2.5 Crore
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹99.7%
Starting From ₹ 678/Month
Key Features:
  • Right Green Tick Cover Continuance Benefit
  • Right Green Tick Terminal Illness
  • Right Green Tick Insta-Payment on Claim Intimation
  • Right Green Tick 2x Premium Back
  • Right Green Tick Tax Benefits
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹99.2%
Starting From ₹ 730/Month
Claim Settlement 24hr Claim Settlement
Key Features:
  • Right Green Tick Waiver of Premium on Disability
  • Right Green Tick Terminal Illness
  • Right Green Tick Life Stage Benefit
  • Right Green Tick Special Exit Benefit
  • LIFE COVER
    Tax Free
     ₹1 Cr
  • CLAIMS SETTLED ₹99.4%
Starting From ₹ 771/Month
Claim Settlement 24hr Claim Settlement
Key Features:
  • Right Green Tick Terminal illness
  • Right Green Tick Special Exit - Option to get your premiums back
  • Right Green Tick Renewability Option
See More Plans
Rating of Kotak
4.7
Based on
172 User reviews

  • Helpful Team

    InsuranceDekho helped me understand the importance of life insurance and increasing my term coverage as my income grows. With their help, I easily upgraded my existing plan for Kotak Term Insurance through their platform. Thank you so much, team.

    N
    Nandini Pandey
    On: Jun 20, 2024

  • Smooth term insurance purchase.

    Getting term insurance was surprisingly easy with InsuranceDekho! The agent listened to what I needed and helped me get Kotak Term Insurance. Now, I feel relieved knowing my family's future is secure. Huge thanks to InsuranceDekho!

    K
    Kirti Bhasin
    On: Mar 06, 2024

  • Great Insurance Company

    InsuranceDekho is a nice place to buy a term insurance policy. I bought the Kotak term insurance plan from the official website of the company. It was very easy to compare the term insurance plans online and choose the best one. Thanks to the company’s amazing customer support service.

    S
    Sumit Panwar
    On: Feb 01, 2024

  • Recommended Insurance Company

    The InsuranceDekho company has put in all the effort to simplify my buying process. I bought Kotak Term Insurance from the Insurancedekho website. Everything was done online which saved me a lot of travelling time. I am happy to connect with this amazing platform and will recommend it to everyone for purchasing a term insurance policy with ease.

    S
    Samay Saini
    On: Dec 06, 2023

  • The best plan to secure the future

    The Kotak Term Insurance- e-Term Plan-Term Insurance Plan available on InsuranceDekho is one of the best term plans in my opinion. Offering great coverage and amazing benefits, everyone can easily invest in this term plan.

    P
    Preeti Dayal
    On: Nov 21, 2023

  • Affordable Premiums for Maximum Coverage

    I was pleasantly surprised by the affordability of Kotak Life Term Insurance Policy premiums on InsuranceDekho. The platform offered competitive rates, allowing me to secure substantial coverage without straining my budget.

    B
    Bharat Gandhi
    On: Nov 16, 2023

  • Customizable Plan

    What I appreciate most about InsuranceDekho is that I was able to customize the Kotak Term Insurance- e-Term Plan-Term Insurance to my specific needs. They worked with me to understand my unique requirements and design the policy that fit perfectly for me and my family.

    P
    Prabhat Sarkar
    On: Oct 19, 2023

  • Quick and Easy Application

    Applying for term insurance with InsuranceDekho was a breeze. The online application process was user-friendly, and the support team was helpful. It was no hassle and I could easily buy the Kotak Life Term Insurance Policy.

    S
    Satinder Singh
    On: Oct 18, 2023

  • User-Centric Approach

    InsuranceDekho's user-centric approach is evident in every aspect of their service. I experienced the best service while buying the Kotak Life Term Insurance Policy. They put the customer first, making the entire term insurance experience smooth and hassle-free.

    D
    Drigha Shankar
    On: Sep 21, 2023

  • Financial Planning Assistance

    InsuranceDekho doesn't just sell policies; it provides financial planning assistance. Through the Kotak Life Term Insurance Policy, I could easily asses my insurance needs, ensuring that the coverage aligns with my long-term financial goals.

    P
    Parmeet Sinha
    On: Sep 12, 2023

  • Got to learn about the online premium calculation tools

    This was my first time purchasing an insurance plan from InsuranceDekho. I learned about the online premium calculator tool which helped me estimate the amount of premium and helped me compare various term plans. I purchased the Kotak Life Term Insurance Policy from InsuranceDekho

    N
    Nikesh Murlidhar
    On: Aug 22, 2023

  • Satisfying services provided

    Bought the Kotak Life Term Insurance Policy from InsurandeDekho. Within minutes of making the payment, the policy details were sent to my email ID and later a copy of the policy documents was sent to my email ID. I am really satisfied with the services provided

    R
    Raushan Kumar
    On: Aug 10, 2023

  • Time saver website

    All the term insurance policy services such as renewal, claim settlement process, and policy issuance are time-saving on InsuranceDekho’s website. By following the instructions on the website it took me less than 5 minutes to purchase the Kotak Life Term Insurance Policy.

    K
    Kashish Khan
    On: Jul 31, 2023

  • Safeguarding the Present and the Future

    I have to say that the policy features of all the policies at InsuranceDekho are commendable. The portal is very intuitive and has enhanced the overall experience. InsuranceDekho's Kotak Life Term Insurance Policy safeguards both the present and the future. 

    S
    Shikha Sharma
    On: Jul 24, 2023

  • Trustworthy Recommendations -

    InsuranceDekho's team provided trustworthy recommendations when I was selecting the Kotak Life Term Insurance Policy. They took the time to understand my needs and financial situation before suggesting suitable options. Their objective advice helped me make a well-informed decision, giving me confidence in the policy I chose.

    A
    Aparna Ojha
    On: Jul 19, 2023

  • Flexible Options

    I appreciate the flexibility offered by InsuranceDekho when it comes to term insurance. I could easily buy the Kotak Life Term Insurance Policy. They have a variety of policy options to choose from, allowing me to customize coverage according to my specific needs. The process of comparing and selecting a policy was convenient and hassle-free.

    M
    Mohita Chandok
    On: Jul 12, 2023

  • Great Coverage Term Plans

    Finding the best term insurance plan that would fit in my budget was very difficult. Also, I didn't know much about the insurance industry so I made an inquiry with InsuranceDekho. I am very grateful and would like to express my gratitude to the knowledgeable team of InsuranceDekho for guiding me in detail. I bought Kotak Life Term Insurance Policy and am very much satisfied with the plan. 

    N
    Neeraj Kumar
    On: Jul 10, 2023

  • Great Value for Money

    I am impressed with the value for money offered by InsuranceDekho's term insurance policies. The Kotak Life Term Insurance Policy provides extensive coverage, and the premiums are reasonable. It's reassuring to know that my family's financial future is secured without putting a strain on my budget.

    V
    Vanshika Bhatia
    On: Jul 05, 2023

  • Easy ways of renewing the policy

    It is extremely easy to renew the Kotak Life Term Insurance Policy on InsuranceDekho. I just had to visit the website of InsuranceDekho and then explore the renewal options. I made the payment and then my plan for the Kotak Life Term Insurance Policy was easily renewed. 

    N
    Neelam Sethi
    On: Jun 21, 2023

  • The plan offers good coverage

    The Kotak Life Term Insurance Policy available on InsuranceDekho has the added advantage of offering wider coverage. Moreover, you can also include a number of add-ons to further outweigh the benefits of the Kotak Life Term Insurance Policy.

    H
    Hriday Mehta
    On: Jun 16, 2023

  • Coverage for Accidental Death

    The Kotak Life Term Insurance Policy from InsuranceDekho includes coverage for accidental death providing an extra layer of financial protection in the event of a tragic accident. Glad to have secured my family under this plan.

    M
    Madhu Goswami
    On: Jun 07, 2023

  • Affordable Premiums

    One of the standout features of the Kotak Life Term Insurance Policy was the affordability of its premiums. They offered competitive rates that were within my budget, without compromising on the coverage provided. I appreciated their commitment to providing affordable options for individuals seeking term insurance coverage.

    D
    Deepak Jain
    On: Jun 05, 2023

  • Flexibility and financial protection

    The Kotak Life Term Insurance Policy has given me the flexibility to choose the coverage duration that aligns with my financial goals. The policy provides excellent financial protection and am glad that I bought this policy from InsuarnceDekho.

    P
    Pooja Bhaskar
    On: May 29, 2023

  • Got friendly reminders

    A good part about buying the Kotak Life Term Insurance Policy from InsuranceDekho was that I got friendly reminders. So, whenever the due date for my policy was approaching, I was able to pay the premium for the Kotak Life Term Insurance Policy on time. 

    P
    Priya Deol
    On: May 24, 2023

  • Budget-friendly plans

    At InsuranceDekho I was able to find some best term plans offered by top insurance companies in India. It was very easy for me to compare some of the best term insurance plans on one platform. I used the premium calculator to compare term plans within my budget and after comparing I purchased the Kotak Life Term Insurance Policy from InsuranceDekho without any hassles.

    R
    Rita Dabari
    On: May 18, 2023

  • Top-notch service

    I was offered top-notch services when I was buying Kotak Life Term Insurance Policy from InsuranceDekho. The amazing team members of InsuranceDekho ensured that I faced no problems while buying the policy. So, thank you team InsuranceDekho for your effortless service.

    V
    Vinay Gulati
    On: May 11, 2023

  • Chatbox feature

    The chatbox feature available on InsuranceDekho is something that I extensively used while buying Kotak Life Term Insurance Policy. On using this feature, I was able to get answers to most of the questions. 

    L
    Latika Maheshwari
    On: May 09, 2023

  • Read a good articles

    I recently bought the Kotak Life Term Insurance plan from the InsuranceDekho website. In the process, I read some really good articles about the plans and everything related to insurance. The news section of the website was updated and helped me gain some knowledge. 

    V
    Vaibhav Irani
    On: May 04, 2023

  • Policies for the family as well

    The Kotak Life Term Insurance Plan is a simplified policy that I recently bought at InsuranceDekho. It covers me and my family and also has various additional healthcare expenses. Some of these include in-patient hospitalization expenses, pre-hospitalization expenses, post-hospitalization expenses, daycare expenses, road ambulance expenses, etc. 

    P
    Piyush Negi
    On: Apr 27, 2023

  • Informative website

    The InsuranceDekho website is informative. I bought the Kotak Life Term Insurance plan. While purchasing it, I read about a lot of informative things on their website. I read about Human Life Value (HLV)  and the importance of the claim settlement ratio. This helped me learn new things. 

    A
    Anvay Trivedi
    On: Apr 20, 2023

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Kotak Term Insurance Contact Details

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Claim Process at Kotak Term Insurance

  • 1

    Claim Intimation

    In the case of death of the life assured, a claim intimation to the insurance company must be made as early as possible.
  • 2

    Submission of Documents

    Claim form, death certificate, original policy document, and more documents must be submitted to ensure smooth claim settlement.
  • 3

    Claim Evaluation

    Once the documents are submitted, the insurance company will conduct thorough evaluation of the claim filed.
  • 4

    Claim Settlement

    If claim request is approved, claim settlement is done within 30 days. If additional investigation is required, it make take 6 months.

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FAQs

  • What is the customer helpline number of Kotak Life Insurance?

    The toll-free customer helpline number of Kotak Life is - 1800 209 8800.

  • What is the Claim Settlement Ratio of Kotak Life Insurance?

    Kotak Life featured an excellent claim settlement ratio of 96.38% for FY 2019-2020 as per the IRDA annual report.

  • What is the difference between term insurance and life insurance?

    A term insurance plan provides the sum assured to the nominees/beneficiary in case of an unfortunate event. Life insurance provides benefits at the maturity of the plan.

  • Can Non-Resident Indians (NRIs) purchase Kotak Life Term insurance plans?

    Yes, NRIs who have legal citizenship of India can purchase Kotak life term insurance plans.

  • Does Kotak Life Term insurance plans offer tax benefits?

    Kotak Life offers tax benefits under Section 80C and Section 10(10D) of The Income Tax Act, 1961.

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