Health Insurance in Kerala
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Health Insurance in Kerala
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Best Health Insurance in Kerala

For those who can’t afford the sky-high medical bills for the treatment of diseases, buying health insurance in Kerala is the best thing you can do.

The cases of COVID-19 have risen in the past two years, and deaths caused by it surpassed 72,000 in April 2024. There is no other way of getting out from the scenario of COVID-19 yet, but getting treated properly and thoroughly is. Do you think everyone in Kerala could afford treatment expenses for COVID-19? Obviously no. Not only this, there are 31% and 49% of the overall population of Kerala out of 100 are suffering from hypertension and diabetes mellitus diseases respectively.

So, when are you planning to get your safety net with a health insurance policy in Kerala? Read further on to know more about it.

Why it’s important to buy health insurance in Kerala?

Before investing in health insurance in Kerala, you must know why you need it and what are the benefits attached to it. So, we’ve listed some of the major benefits of buying health insurance in Kerala that can be medically and financially beneficial for you in crisis:

Highlights Specifications
Medical coverage Good health insurance plans in Kerala like Niva Bupa Aspire, ManipalCigna ProHealth Prime, Star Health Assure, and so on offer all-round healthcare coverage for hospitalization, and treatment of health problems, provide ambulance services, cover multiple daycare procedures, etc.
Specific illness cover Specific illnesses are subject to which kind of health conditions you want coverage for, so health plans like Star Women Care, Care Freedom, Red Carpet Senior Citizen, Diabetes-related healthcare plans and more are what you need to buy in Kerala.
Critical illness cover Aditya Birla Activ Secure, Care Assure, Bajaj Allianz CritiCare, ManipalCigna Lifestyle Protection, etc are some of the best critical illness plans that offer medical treatment covering up to 10 to 64 critical illnesses in Kerala.
Treatment of COVID-19 Since the chances of getting infected with the COVID-19 virus are increasing, you can prepare yourself to fight against it in advance with Corona Kavach, Corona Suraksha, and Star Novel Coronavirus health plans.
Preventive health check-ups With this feature of health insurance in Kerala, one can be physically, medically, and mentally free, as you can be able to track your health and overall well-being and if there’s any chance of getting a disease, you’ll know it beforehand.
Tax benefits No matter which health plan in Kerala you buy, if you’re eligible for a tax exemption benefit, avail it under Section 80D of the Income Tax Act of 1961

Questions that you must ask yourself while buying health insurance in Kerala

  • Do I need a health insurance?
  • Is there a family medical history that forces me to get health insurance?
  • What is the coverage amount I need to secure myself and my family’s health?
  • Is the insurer’s claim settlement record above 90%?
  • In case I need additional coverage, can I buy an add-on cover?
  • What are the monthly/quarterly/yearly premiums that I need to pay?
  • How large are the networking hospitals connected to the insurer?
  • Do I have a pre-existing disease?

Choose the best health insurance plans in Kerala

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

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

Family Health Optima Policy (Cons)

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

Family Health Optima Policy (Other Benefits)

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

Family Health Optima Policy (Eligibility Criteria)

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

Niva Bupa Corona Kavach

The plan covers you and your family against COVID-19, covers the Comorbidities arising out of COVID, and imposes no room rent capping.

Unique Features

  • Ventilator Expenses Included
  • PPE Kit expense Included
  • Covers ICU Charges

Niva Bupa Corona Kavach (Pros)

  • Home Care Treatment Expenses
  • Hospitalisation Coverage
  • Pre and Post Hospitalisation
  • Hassle-free Claims
  • AYUSH Treatments Coverage

Niva Bupa Corona Kavach (Cons)

  • OPD and Day Care Treatment
  • Evaluation and Investigations
  • Rehabilitation
  • Dietary supplements
  • COVID Claim

Niva Bupa Corona Kavach (Other Benefits)

  • Coverage for Parents & PILs
  • Coverage for Dependent Children
  • Road Ambulance Covered
  • Hospital Daily Cash
  • Spouse Cover Available

Niva Bupa Corona Kavach (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 5 Lakh
  • Waiting Period - 30 Days

A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.

Unique Benefits

  • 100% increase in SI as NCB
  • Newborn Cover
  • 541 day care treatments covered

Care Joy (Pros)

  • 2 Plan Variants
  • Maternity Plan
  • New Born Baby Cover
  • Day Care Treatment
  • Modern Treatment Cover

Care Joy (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Joy (Other Benefits)

  • Long term discount
  • Congenital Disease Cover
  • 100% increase in SI
  • Ambulance Cover
  • Lifelong Renewability

Care Joy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 3 L/5 L
  • Waiting Period - 30 Days

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

  • Exclusive maternity benefits
  • Adoption is included
  • Borderless facilities

Niva Bupa Aspire Plan (Pros)

  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation

Niva Bupa Aspire Plan (Cons)

  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

  • Entry age - 18 years
  • Max entry age - No AgeLimit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.

Unique Features

  • Booster+ Benefit
  • Lock premiums at entry age
  • Health check-ups from day 1

Health ReAssure 2.0 Plan (Pros)

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Health ReAssure 2.0 Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Health ReAssure 2.0 Plan (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Health ReAssure 2.0 Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Activ Assure Diamond is a complete health insurance plan that offers new-age health features at an affordable cost, and covers more than 500 daycare treatments.

Unique Benefits

  • 150% sum insured reload
  • No Room rent capping
  • Mental illness covered

Activ Assure Diamond (Pros)

  • 100% Ambulance Cover
  • Organ Donor Expenses Covered
  • AYUSH Treatment Cover
  • Hospital Allowance
  • Day Care Treatment Covered

Activ Assure Diamond (Cons)

  • 10% Co-Payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Assure Diamond (Other Benefits)

  • Up to 10% Long Term Discount
  • Health Return Points
  • Room Upgrade Available
  • Super No Claim Bonus
  • Unlimited Reload of SI

Activ Assure Diamond (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - Age No Limit
  • SI - 2 L to 2 Cr
  • Waiting Period - 30 Days

The plan is designed to provide financial protection against critical illnesses, & offers compensation against the loss of income arising out of critical illnesses.

Unique Benefits

  • Lump Sum payout on detection
  • 150% sum assured
  • Short survival period

Activ Secure Critical Illness Plan (Pros)

  • Cover up to 64 CI
  • 3 Plan Variants
  • High SI
  • Short Survival Period
  • Active Health App

Activ Secure Critical Illness Plan (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Secure Critical Illness Plan (Other Benefits)

  • Wellness Coach
  • Second Medical Opinion
  • Cancer Cover
  • Kidney Failure Cover
  • Brain Tumor Cover

Activ Secure Critical Illness Plan (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days


Health insurance in Kerala has become necessary because it not only provides you with better medical care but also financial safety. You can live tension-free for your own and your family’s healthcare needs from any emergency like a disease, an epidemic, or something similar.

Before investing in a health plan, it’s always a wise choice to check through several health insurance plans in Kerala. Compare among the best health insurance plans in Kerala from our website at or reach out to our customer care executives at 1800 4200 269 for further information.

Health Insurance in Kerala: FAQ's

1. Can I buy health insurance for my family in Kerala?

Yes, anyone who is eligible to buy family floater health insurance in Kerala can buy it for their families.

2. What is the minimum age for buying a health insurance policy in Kerala?

The minimum age limit for buying a health insurance policy in Kerala is 18 years.

3. Which is the best medical insurance company in Kerala?

There are multiple health insurance companies like Care, Star Health, ManipalCigna, Aditya Birla, Niva Bupa, and so on that provide some of the best health insurance in Kerala.

4. Is there a government scheme for medical insurance in Kerala?

Yes, the Karunya Arogya Suraksha Padhathi is the critical illness health insurance plan in Kerala that serves the needs of underprivileged people to fight against critical illnesses.

5. What is the health status of Kerala in 2024?

As far as of now, Kerala has achieved a good health record in 2024. However, there are chances of critical illnesses, severe diseases, or other health complications.

Health Insurance Companies

What Our Customers Have to Say

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Achintya Sharma


May 10, 2024

I’ve been covered by HDFC ERGO Platinum Health Guard plan for years now, and it has been a lifesaver. The coverage is extensive, and the claim process is so easy. I highly recommend the p...

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Parag Mehta


May 10, 2024

I’m impressed with the assistance of the ManipalCigna Prime Senior Insurance policy that I’ve bought for my father. I don’t fear now being a NRI because I’m assured of h...

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Anshul Garg


May 10, 2024

The ManipalCigna LIfestyle Protection Critical Care Policy has coverage for up to 30 critical illnesses with a sum insured of up to 25 Crores. If you’re searching for a policy like this, ...

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Shivalika Varghese


May 10, 2024

If you are searching a health insurance like ManipalCigna ProHealth choose that offers straightforward claim assistance and the flexibility to optimize your coverage, go for it.

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Pratibha Chandrakar


May 10, 2024

I was majorly focused on pre and post-hospitalization expenses coverage and found the best health coverage for these with the ManipalCigna ProHealth insurance policy.

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Kanupriya Ghadge


May 10, 2024

For anyone who’s looking for a comprehensive health insurance policy, I would recommend buying the ManipalCigna ProHealth Prime insurance plan as it provides maximum coverage.

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Neelam Sharma


May 10, 2024

Star health has been my health insurer for more than 2 years and I am happy. Thanks to PolicyX for suggesting me Star Health

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Adi Kukreja


May 10, 2024

My wife fell ill and was diagnosed with jaundice, due to which she had to be hospitalised for a week. But Star’s Family Health Optima Insurance Plan helped me pay the bill and PolicyX mad...