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Kotak Life Insurance offers different insurance policies in individual and also group formats. Each insurance plan has many riders that can be selected as per individual needs. A rider is an additional feature that can be availed by paying an additional fee. These features are offered apart from the regular features of the policy.

Kotak Life Insurance offers several riders across three different categories. These include:

  • Traditional rider
  • ULIP rider
  • Group rider

A life insured can opt for a rider while buying an insurance plan from Kotak. These are offered at reasonable rates. The amount of the benefit to be availed from the rider is determined by the rider opted. It is important to remember that the total premium paid on the add-on feature cannot exceed 30% of the basic policy premium.

What are the benefits of Riders offered by Kotak Life Insurance?

Some of the benefits of riders provided by Kotak are:

  • Kotak life insurance riders can be availed for different purposes. Insured individuals have the option to select any rider as per specific requirements and individual preferences.
  • There are several categories of riders with exclusive features that can be used along with basic plans.
  • One can opt for a rider for getting additional cover against accidental death, permanent or partial disability, terminal illness, critical illness, dismemberment, etc.
  • These riders can come in handy during crucial situations when one requires funds due to unforeseen events.

Riders can be used to add extra benefits along with basic insurance plans. These provide the much-required financial support in unforeseen situations.

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