Kotak Headstart Child Assure

As a unit-linked insurance plan (ULIP), it allows you to invest systematically to build a corpus for your children's education expenses and at the same time protect their dreams from unfortunate events, such as the death of a parent.

Key Features

  • Create wealth for your child's future financial needs
  • Ensure financial security of your child through Triple Benefit
  • Invest in a wide range of funds


  • Maturity Benefits:
At maturity, you can take the full Fund Value to meet the financial needs of your child. You can also select to receive the maturity proceeds partly in cash and the balance by way of instalments, for up to 5 years after maturity, by choosing our Settlement Option
  • Tax Benefits:
Tax benefits are subject to conditions specified under section 10(10D) and section 80C of the Income-tax Act, 1961. Tax laws are subject to amendments from time to time. Customer is advised to take an independent view from tax consultant. Service Tax & Cess, as applicable shall be levied over and above premium amount shown here as per applicable tax laws.
  • Death Benefit
This benefit will be payable provided you have paid all your premiums up to date. Basic Sum Assured plus Fund Value is subject to a minimum of 105% of total premiums paid up to time of death. In case of paid-up policy, the Reduced Paid-Up Basic Sum Assured will be paid immediately as lump sum and premium waiver benefit will fall off. The Reduced Paid-up Basic Sum Assured + Fund Value will be subject to a minimum of 105% of total premiums paid up to time of death.

Am I eligible?

ENTRY AGE 18 years 60 years
MATURITY AGE 28 years 70 years
POLICY TERM 10 years 25 years
SUM ASSURED 10 times of Annual Premium 25 times of Annual Premium
PREMIUM PAYMENT TERM Equal to the Policy Term
POLICY PAYMENT MODE Yearly and Half-Yearly


To add to your protection, we offer a choice of 2 riders:

Kotak Accidental Death Benefit Rider (Linked):

In addition to the death benefit as per the base plan, the Rider Sum Assured is payable in case of an unfortunate demise of the life insured due to accident.

Kotak Permanent Disability Benefit Rider (Linked):

In case of Total & Permanent disability of the life insured due to accident, the Rider Sum Assured is payable and the base policy continues.

What if?

I am unable to pay premium on time

Grace period of 30 days will be provided and you should pay the premium with in the specified time period.

I want to take a loan

No such option is available under this policy