Kotak Mahindra General's health policy proved its worth when my father needed surgery. The pre-authorisation was approved swiftly, the hospital coordinated directly with them and we paid almost nothing out of pocket. The support team kept me posted throughout. Truly impressed.
Fast pre-auth, seamless cashless settlement
Bought motor insurance from Kotak Mahindra General mainly trusting the group's reputation. The premium was middle of the road and the buying process fine, but customer service responses were neither bad nor impressive. It does the job without standing out.
Trusted group name
Unremarkable customer service
My car claim with Kotak Mahindra General hit repeated snags over documentation and the surveyor's report took ages to finalise. I had to follow up far too many times for what was a fairly standard claim. The cover is fine but the claim handling disappointed me.
Repeated document hassles, slow survey
Kotak Mahindra General's health insurance was easy to understand and the agent explained the waiting periods properly. The cashless feature works at most major hospitals near me. Only small gripe was a delay in receiving the physical policy kit, though the soft copy came on time.
Clear explanation, good hospital network
Policy kit delivery delayed
Took a home insurance policy with Kotak Mahindra General after a water seepage issue and while the policy terms were clear, the claim assessment took longer than I'd have liked. The staff were polite but the process felt drawn out. A genuinely mixed experience overall.
Clear policy terms, polite staff
Slow claim assessment