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:

HighlightsSpecifications
Medical coverageGood 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 coverSpecific 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 coverAditya 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-19Since 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-upsWith 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 benefitsNo 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 to ask before 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?

Insights

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 PolicyX.com or reach out to our customer care executives at 1800 4200 269 for further information.

Best Health Insurance Plans in Kerala

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

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

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Health Insurance in Kerala: FAQs

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.

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More Queries?

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

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Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.