Kotak Platinum

It is an investment plan with low charges that you can customize as per your goals and requirements. With an unmatched combination of 3 Investment Strategies and flexibilities, this plan gives you complete control over your investments

Key Features

  • Maximize your wealth through a plan with low charges
  • Option to choose from multiple investment strategies
  • Enhance your long-term savings through Survival Units
  • Suitable for convenient policy and premium payment terms
  • Choice of Riders to enhance protection
  • Enjoy liquidity through partial withdrawals


  • 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:
In the event of death your family would receive:
Highest of:
1) Basic Sum Assured less applicable partial withdrawal amount from Main Account (if any), Or
2) 105% of the Premiums paid till the time of death, Or
3) Fund Value in the Main Account Plus in respect of each Top-Up Premium paid,
highest of:
1) Top-Up Sum Assured, Or
2) 105% of the Premiums paid till the time of death, Or
3) Fund Value in the Top-Up Account, if any
  • Maturity Benefit:
The maturity benefit in this plan will be the Fund Value inclusive of all Survival Units (including Fund Value in Top-Up Account(s), if any). You can opt to take your Fund Value as a lump sum and terminate your policy OR you can select the Settlement Option

Am I eligible?

ENTRY AGE 0 65 years
MATURITY AGE 18 years 75 years
POLICY TERM 10 years 30 years
SUM ASSURED 10 times of Annual Premium 25 times of Annual Premium
PREMIUM Min: Annual-Rs.99,000, Half-Yearly-Rs.49,500, Quarterly - Rs.24,750 & Monthly- Rs.8,250
Max: No limit
PREMIUM PAYMENT TERM Regular: Equal to the policy term.
Limited: 5-year payment with policy term of 10 years
10-year payment with policy term of 15 to 30 years
PAYMENT MODE Yearly, Half-Yearly, quarterly and Monthly


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 the premium

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