Kotak Saral Suraksha

Kotak Saral Suraksha is the ideal plan that can help your family during their time of need. It is a low-cost term plan designed with the objective of providing protection to your family. In case of your sad demise during the policy term, your family will be paid the Sum Assured thus ensuring their financial security.

Key Features

  • Provides significant cover at a very low premium
  • Multiple options for selecting policy term
  • Convenient Premium payment options


  • 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
The death benefit payable would be the 'Sum Assured on death', which is defined as follows:
For Single Premium Plan:
Sum Assured on death is, Higher of:
1) 1.25 times of Single Premium OR
2) Sum Assured chosen at inception
For 5 Year Premium Payment Plan:
Sum Assured on death is, Higher of:
1) 10 times of Annual Premium OR
2) Sum Assured chosen at inception OR
3) 105% of the total premium paid till the date of death

Am I eligible?

ENTRY AGE 18 years 55 years
MATURITY AGE 23 years 65 years
POLICY TERM 5 years 10 years
SUM ASSURED Rs.5000 Rs.100,000
PREMIUM PAYMENT TERM 5 years or Single payment
POLICY PAYMENT MODE Single, Yearly and Half-Yearly

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