Health Insurance in Kerala

Assess Your Healthcare Needs

Before diving into the world of health insurance policies, it's crucial to evaluate your healthcare needs. Consider factors such as your age, pre-existing medical conditions, family medical history, and the number of family members to be covered. This assessment will help you determine the type and extent of coverage required.

Understand Different Types of Health Insurance Policies

In Kerala, health insurance plans come in various types, including individual plans, family floater plans, group plans, and senior citizen plans. Each type caters to specific requirements, so it's important to understand the differences between them. Individual plans cover a single individual, while family floater plans provide coverage for the entire family under one sum insured. Group plans are offered by employers to their employees, and senior citizen plans cater specifically to the needs of older individuals.

Research Insurance Providers

To select the best health insurance in Kerala, it's crucial to research and compare different insurance providers. Look for providers with a good reputation, a wide network of hospitals, and positive customer reviews. Additionally, check if the insurance provider has tie-ups with hospitals in your locality or preferred healthcare centres.

Evaluate Coverage Options

Carefully evaluate the coverage options offered by insurance providers. Check if they cover hospitalisation expenses, doctor's fees, surgical costs, and pre and post-hospitalization expenses. Look for additional benefits such as maternity coverage, critical illness coverage, and coverage for alternative treatments like Ayurveda and homoeopathy, which are popular in Kerala.

Consider Network Hospitals

In Kerala, there are several reputable hospitals and healthcare centres. When selecting a health insurance plan, it's essential to check if the insurance provider has a wide network of empaneled hospitals in your area. This will ensure easy access to quality healthcare services without the hassle of reimbursement claims.

Compare Premium Costs

While selecting the best health insurance in Kerala, it's important to compare the premium costs of different insurance policies. However, don't make the mistake of solely focusing on the cheapest option. Consider the coverage provided and the insurer's reputation in terms of claim settlement ratio and customer service.