Health Insurance In Karnataka
  • Health insurance plans
  • Government schemes
  • How to choose?
Health Insurance In Karnataka
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Health Insurance in Karnataka

Karnataka is known as the birthplace of Ayurveda and is home to magnificent Hampi ruins. This state of India boasts a rich history that is deeply connected to well-being.

There are several well-established Ayurvedic institutions, hospitals, colleges, and wellness centers in Karnataka. But in this era, whenever we face any medical emergency, we go for a modern approach first. Unlike the ancient physicians who treated with herbs and holistic practices, modern medicines work extremely fast. However, advanced treatments often come with a hefty price tag. That is when health insurance steps in, acting as your knight in shining armor against the financial woes of illness in Karnataka.

Types of Health Insurance in Karnataka

If you are in Karnataka, you can find there are two types of health insurance plans.

  • Government-sponsored Health Insurance Scheme
  • Private Health Insurance Plans

Let us have a look to understand in detail.

Government-sponsored Health Insurance Schemes

The Government of Karnataka has launched two health insurance schemes to protect the people of the state. 

a. Arogya Karnataka Scheme- This scheme offers coverage for hospitalisation, surgery, and other medical treatments up to an annual limit of Rs 1.5 Lakh per family.

b. Yeshasvini Health Scheme- This scheme is specifically for the members of the cooperative societies in Karnataka. It offers a complete coverage. 

Expenses Covered by Health Insurance Plans in Karnataka

1. Hospitalisation

2. Surgery

3. Any medical treatment

4. Treatment of pre-existing conditions

5. Room rent charges

6. Pre and post hospitalisation

7. Critical illnesses

8. Ambulance services

9. Maternity benefits

10. Daycare procedures

Choosing the Right Health Insurance Plans in Karnataka

When you are in Karnataka, you need to keep a few things in mind before buying a health insurance plan:

  • Young and healthy individuals might need a health insurance plan after a certain age, but premiums at a young age will be low.
  • If you have any pre-existing conditions, make sure that the plan should cover them all.
  • Factors in the premium cost when choosing a health insurance plan.
  • Consider the type of coverage you need.

End Note

Karnataka’s rich heritage may have been built on ancient healing practices, but modern medical care presents a different challenge. By choosing the right health insurance plan, you can gain peace of mind knowing that you and your family members are protected.

To know more about health insurance plans in Karnataka, you can reach out to PolicyX.

Best Health Insurance Plans in Karnataka

Considering the facts, here are some of the best plans to consider in karnataka:

Individual and Family Health Insurance

ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...

Unique Features

  • Global Cover
  • SI Upto 3 Cr
  • Air Ambulance Cover

AdvantEdge Plan (Pros)

AdvantEdge Plan
  • Restoration Benefit
  • Cumulative Bonus
  • Health Rewards
  • Domestic Air Ambulance

AdvantEdge Plan (Cons)

AdvantEdge Plan
  • OPD Cover
  • Second medical opinion
  • Modern treatment
  • IVF treatment cover

AdvantEdge Plan (Other Benefits)

AdvantEdge Plan
  • New Born Cover
  • Vaccine Cover
  • Maternity Cover
  • PED Cover
  • Personal Accident Cover

AdvantEdge Plan (Eligibility Criteria)

AdvantEdge Plan
  • Entry Age: 18 - 65 years
  • SI: 5 L to 3 Cr
  • Initial waiting period: 30 days

Senior Citizen Health Insurance

Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So wh...

Unique Features

  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Pros)

Niva Bupa Senior First Plan
  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Cons)

Niva Bupa Senior First Plan
  • ICU charges not covered
  • OPD coverage not available
  • Second medical opinion not available

Niva Bupa Senior First Plan (Other Benefits)

Niva Bupa Senior First Plan
  • No sub-limits are applicable for common health conditions
  • Waive off co-payment on applying deductibles
  • No mandatory pre-issuance medical tests

Niva Bupa Senior First Plan (Eligibility Criteria)

Niva Bupa Senior First Plan
  • Min. Entry Age - 61 Years
  • Max. Entry Age - 75 Years
  • SI - 5 - 25 L
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...

Unique Features

  • Unlimited E-consultations
  • Automatic Restoration
  • Wellness Benefits

Care Supreme Plan (Pros)

Care Supreme Plan
  • Modern treatments
  • Renewal discounts
  • Unlimited e-consultation

Care Supreme Plan (Cons)

Care Supreme Plan
  • Illegal activities
  • alcohol abuse
  • obesity treatments

Care Supreme Plan (Other Benefits)

Care Supreme Plan
  • Ambulance cover
  • Doctor on chat
  • Maternity care

Care Supreme Plan (Eligibility Criteria)

Care Supreme Plan
  • Min entry age: 18 Years
  • Max entry age: No age limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...

Unique Features

  • Get coverage for the whole family
  • Additional SI for Road Traffic Accident
  • Coverage for Compassionate Travel

Star Family Health Optima (Pros)

Star Family Health Optima
  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Star Family Health Optima (Cons)

Star Family Health Optima
  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Family Health Optima (Other Benefits)

Star Family Health Optima
  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Star Family Health Optima (Eligibility Criteria)

Star Family Health Optima
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Individual and Family Health Insurance

TATA AIG Medicare is a comprehensive health insurance plan that is specifically designed by keeping in mind the increasing cost of medical expenses. T...

Unique Features

  • Vaccination Covered
  • AYUSH Covered
  • Quick Claim Process

Tata AIG Medicare Plan (Pros)

Tata AIG Medicare Plan
  • Global coverage
  • 540+ day care treatments
  • Qualified nurse
  • Room rent
  • Organ donor

Tata AIG Medicare Plan (Cons)

Tata AIG Medicare Plan
  • Injury due to suicide attempt
  • Death due to drugs
  • STDs
  • Injuries due to breach of law

Tata AIG Medicare Plan (Other Benefits)

Tata AIG Medicare Plan
  • AYUSH benefit
  • Health checkup
  • Bariatric surgery cover
  • Vaccination cover

Tata AIG Medicare Plan (Eligibility Criteria)

Tata AIG Medicare Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 3 L- 20 L
  • Waiting period- 30 days

Health Insurance Companies

Choose Right Insurance Banner

Health Insurance In Karnataka: FAQs

1. What are the benefits of pre-existing condition coverage?

If you have a pre-existing medical condition, a plan covering pre-existing conditions offers financial security in case you need treatment for that condition after a waiting period.

2. What are the sub-limits in health insurance plans?

Sub-limits are the caps on the amount the insurance company will cover for specific expenses like room rent or pre and post-hospitalisation costs.

3. What documents do I need to submit while enrolling in a health insurance plan in Karnataka?

You need to submit ID proof, address proof, income proof, and health declaration form.

4. How to claim health insurance in Karnataka?

You can call PolicyX to make a claim. Or you can visit the respective company page to fill out the form and make the claim.

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More Queries?

To know about the best health insurance plans in Karnataka, network hospitals available, or have any other insurance-related query, call our advisors at 1800-4200-269!

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Simran saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.