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Kotak term insurance plans offer risk cover without any maturity benefits. One can select from a one-time or regular payment option. Premiums can be paid annually, quarterly, half-yearly, or monthly under the regular payment option. The riders available under term plans include:

  • Kotak Accidental Death Benefit Rider: Lump sum benefit in case of death due to accident.
  • Kotak Critical Illness Benefit Rider: In case the life insured is diagnosed with any of the critical illnesses covered under the plan, a portion of the basic sum assured is given as rider benefit.
  • Kotak Permanent Disability Benefit Rider: Claims can be made for permanent disability arising from an accident.
Plan nameEntry ageMaturity agePremium

Kotak Income Protection plan

18 - 60


Minimum premium is fixed as per monthly income, gender, age, premium payment option selected, smoking status and policy term. No limit on the maximum premium. Preferential rates for non-smokers and women.

Kotak Preferred e-Term Plan

18 - 65 

28 - 75 

Minimum premium is as per immediate or recurring payout, age, gender, the basic sum assured, premium payment option, policy term, smoking status, etc.

Kotak Preferred Term Plan

18 - 65 

23 - 75 

Fixed minimum premium based on monthly income, gender, age, premium payment option, smoking status, and policy term.

Kotak Term Plan

18 - 65


No maximum limit on premium and is determined as per Maximum Basic Sum Assured as per policy underwriting.

Kotak online term insurance plans ensure that your family members are financially protected in your absence. It can help in situations where the income source stops due to the sudden demise of the policyholder. Compare the different plans and choose the right one for your needs.

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