It is worst insurance. I took Kotak Capital Multiplexer Plan. At the time policy taking Kotak agent told many fabulous advantages. I impressed and took policy. After receiving of policy documents, I came to know that there was nothing in that Policy. I need to pay all years instalments otherwise I can loose maximum amount. Their customer service centre is very poor they never give proper details of policy. Portal never working properly. Please don’t choose Kotak Products. You will be not getting Savings interest also.