Health Insurance


Kerala has no shortage of private hospitals and good health centres. The state is also famous for its Ayurvedic treatment facilities. Moreover, the government plays a role in providing affordable healthcare for its citizens for communicable and non-communicable diseases.

In recent times, most Kerala health insurance has been adapted to provide Covid-19 coverage. Getting proper health insurance is an important step to consider regardless of where you live.  The last thing anyone wants is to find themselves in a financial crisis due to costly medical expenses.

If you live in Kerala and are looking to get you or your family a health insurance plan, it’s best to first explore your options. The best health insurance in Kerala would be the health insurance plan best suited to your specifications.

Health Insurance Plans In Kerala – Why You May Need One

As you may already know, medical emergencies often happen without any warning. The recent pandemic and the medical emergencies caused by covid-19 have forced many people to re-evaluate how they view and prioritise their health. Along with rising medical inflation, getting the best insurance plan available to you would be in your best interests.

When buying a health insurance plan in Kerala, it’s important to look into cashless payment methods. Medical emergencies that involve hospitalisations can be stressful. This is why cashless health insurance has risen in popularity.

It takes out the added stress of having to pay hospital bills in person. Instead, the insurer pays the hospital on behalf of the insured person. Note that cashless facilities are only available at hospital networks listed under your health insurance plan.

Factors To Consider When Buying Health Insurance In Kerala

Assess your needs based on age, medical conditions, family members and any pre-existing medical conditions you or your family members may have.

Decide on the right sum insured so that you get adequate coverage for any major medical expenses.

Look into whether the insurer provides network hospitals in areas near your location.

Assess what features the plan provides. For example, many people prefer plans that provide lifetime renewability, annual health checkups, etc.

Remember to carefully read through the exclusions, sub-limits, waiting periods, etc., to avoid any confusion or issues during future claims.

Choose an insurer with a good claim settlement ratio. Especially when it comes to choosing cashless insurance, go with a company that is well-established with a good claim settlement ratio.

How Do You Avail Cashless Treatment In Hospitals In Kerala

Planned or not, the first step would be to inform the insurer as soon as possible. Doing so will help the insurer review the policy and process the claim request.

Choose which hospital under the network you will be visiting.

Submit any necessary supporting documents, like your medical documents and your health card. Also, keep the information related to the plan handy. This will allow for seamless assistance from your provider.

Submit your filled pre-authorization form at the hospital insurance desk.

On verification and approval, the insurer will settle your hospital bill based on policy terms and conditions.


Health insurance is vital today. If you want to be saved the burden of having to pay out of pocket for costly medical treatment and procedures. Health insurance plans in Kerala provided by Tata AIG offer policies that take into account shifting lifestyles and rising healthcare bills.

Not to mention, having a health insurance plan will give you a safety net and make you eligible for tax benefits and deductions to lead a financially secure life.

Frequently Asked Questions

Which is the best health insurance policy in Kerala?

The best health insurance in Kerala is one that provides the best coverage at an affordable rate with a large network of hospitals. These specifications will help you make a better decision when looking for health insurance in Kerala.

How can I get government health insurance in Kerala?

On their official government website, you can get a government health insurance policy in Kerala through Karunya Arogya Suraksha Padhathi (KASP). They provide coverage of up to ₹5,00,000 per family per year for secondary and tertiary care hospitalisation.

How to register for health insurance in Kerala

In Kerala, a person can either register for health insurance online or in person. Insurance agencies like Tata AIG can be either reached through their official site, where you can find all their contact information.

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