Kerala Health Insurance

The soaring healthcare inflation combined with the widespread rise in diseases such as hypertension, obesity, cancer, diabetes, coronary heart disease, etc., in Kerala has made it increasingly necessary for everyone to have good health insurance. Bajaj Allianz Health Guard, Bajaj Allianz Extra Care, Aditya Birla Activ Assure Diamond Plan and Care Health Insurance Plan are the most prominent health insurance plans. It is a good idea to look at not just the maximum coverage offered but also the add-ons like hospital daily cash, critical illnesses, personal accidents, maternity, etc. These plans are affordable and customisable. Moreover, they come with tax benefits which can be claimed under Section 80D. Let’s find out which is the best medical insurance in Kerala for you!

No Room Rent Capping | No Medical Check-up up to 55yrs | Tax Benefit up to 75k | Buy Health Insurance starting @ ₹244 pm


The State Economic Review, 2018 in Kerala has reported a prevalence of non-communicable diseases such as hypertension, cancer, diabetes, coronary heart disease, etc. Compared to the national average, cancer mortality is tremendously high in males in Kerala. Incidents of heart attack, obesity and hyperlipidemia have also increased. Such data states the importance of health insurance coverage which offers financial protection in case of medical emergencies.


Furthermore, opting for the best medical insurance in Kerala enables you to secure yourself against soaring healthcare inflation present there, as well as in the rest of the country. Ailments do not always come knocking on doors, so it is better to be covered under a health plan than spend your savings. In this article, we shall discuss the benefits of having health insurance in Kerala and look at some insurance plans.

Best Health Insurance Companies in Kerala 2022

Health Insurance Plans

Bajaj Allianz Health Guard

Bajaj Allianz Extra Care

Aditya Birla Activ Assure Diamond Plan

Care Health Insurance Plan

Claim Settlement Ratio (CSR)





Network Hospitals





Sum Insured Options

₹2 Lakh - ₹50 Lakh

₹3 Lakh - ₹50 Lakh

₹4 Lakh - ₹2 Crore

Up to ₹50 Lakh

Premiums Starting at*

Starting from ₹3,200

Starting from ₹2,487

Starting from ₹3,294

Starting from ₹4,472

Check Plans

Disclaimer: *Premium rates are indicative. The actual premium that you might have to pay may change depending on numerous factors. Please check the prevailing premium rates before buying health insurance.

Benefits of Purchasing Health Insurance in Kerala

  • Maximum Coverage With Add-ons

    Add-on covers give you access to additional insurance features at a cost-effective rate. These features are not covered under your health insurance plan and thus, help you maximise the available coverage. Some popular add-on covers that you can consider are hospital daily cash cover, critical illness cover, personal accident cover, maternity cover, etc.

  • Affordable Healthcare Services

    You can avail healthcare facilities for any medical emergency by choosing a budget-friendly premium. With a number of health insurance providers available in the market, you can find policies with competitive prices without any trouble.

  • Option to Customise Plans
    If you have a family, you can opt for a family floater policy instead of getting individual health insurance plans for each member. You can easily add your parents, your spouse or a new member to your family health insurance policy in the future.

    Similarly, for elderly members in the family, you can choose suitable senior citizen insurance. This option to customise the plans helps save money and meet your insurance needs.

  • Tax Benefits
    Health insurance offers you the dual benefit of insurance coverage and tax benefits. The premiums paid towards your policy can be claimed under Section 80D of the Income Tax Act, 1961. In the case of health insurance for senior citizens, you can claim a higher amount to save on taxes!

How to Select the Best Health Insurance in Kerala? 

Choosing the right plan for health insurance in Kerala will  provide you with the right financial coverage in your medical urgency. Not just that, it would also give you the assurance that even if you or someone in the family needs hospitalisation, your expenses will be covered and you wouldn’t have to compromise on the treatment. To make the most of your medical insurance in Kerala, it is of utmost importance that you understand how to choose the best health insurance in Kerala. Keep the following pointers in mind to make a well-informed decision:


  • Understand the different kinds of health insurance policies available, and on the basis of your needs choose between an individual or a family floater policy, or opt for a fixed benefit health insurance plan.

  • You should choose the coverage that best suits your needs. In case you have a family history of genetic diseases, it is recommended that those diseases must be included in the policy.

  • Make sure the waiting period is suitable.  For example, if you wish to start a family soon, opt for a plan that offers the least waiting time for maternity benefits.

  • Weigh the pros and cons of co-payment, as for every claim that is raised you will have to pay for your share from your pocket. A co-payment will surely reduce the premium amount but you will have to bear the expenses when you make a claim.

  • Prefer choosing a plan that allows lifetime renewability so that even at a later stage you do not have to look for health insurance policies separately for senior citizens. A longer policy will help you with renewal benefits as well as cumulative rewards.

  • While you should opt for a comprehensive coverage, make sure the premium fits your budget. If the premium is too high for you to pay, you may miss making the payment and then be at risk of being without coverage.

  • Choose a company with a wider network of hospitals so that no matter where you are in the country you are never far from quality treatment.


apply health insurance now

How to Avail Cashless Health Insurance in Kerala

With these easy steps, you can safeguard yourself with sufficient health insurance coverage:


  • Step 1: Go to the ‘health insurance premium calculator’ page on Bajaj Markets.

  • Step 2: Choose the type of health insurance plan. Enter the information required on the page such as your name, birth date, residential pin code, contact number, etc. and proceed.

  • Step 3: A list of health plans will appear.

  • Step 4: Compare the health insurance plans based on factors like sum insured, add-on cover options and other features.

  • Step 5: Proceed with a suitable health policy and review the plan details.

  • Step 6: Make the payment online.

  • Step 7: Your health insurance policy document will be sent to your registered email address.

Why Choose Bajaj Markets for Health Insurance in Kerala

  • Trusted Companion
    100 million+ happy customers across the country have picked Bajaj Markets, and you can, too!

  • Multiple Offerings
    Make the right choice to fit your insurance needs with the help of multiple offerings on Bajaj Markets.

  • No Tedious Paperwork
    Bajaj Markets doesn’t burden you with unnecessary paperwork and only asks for essential details! 

  • Tailor-Made Insurance Plans

    With trusted insurance partners and lucrative add-on covers, Bajaj Markets allows you to personalise your policies to best suit your needs!

Network Hospitals in Kerala

You can avail a cashless hospitalisation facility under your health insurance policy at authorised network hospitals. Learn more about our health insurance partners’ network hospitals in Kerala below:


Health Insurance Plans Available at Bajaj Markets

FAQs on Health Insurance in Kerala

  • ✔️Which health insurance is best in Kerala?

    Bajaj Markets offers health insurance plans by various insurance companies. You can opt for suitable coverage depending on your insurance needs. 

  • ✔️How can I get health insurance in Kerala?

    You can head over to the health insurance section on Bajaj Markets to buy a policy or download our insurance app!

  • ✔️Which is the best Kerala health insurance plan for a family?

    We offer lucrative family floater plans on Bajaj Markets that you can check out on our page.


  • ✔️How is the health insurance premium determined?

    The health insurance premium is determined based on numerous factors. These include your age, past medical history, lifestyle habits, type of cover, sum insured amount, add-on covers, etc.


  • ✔️What is meant by pre-existing illness?

    Pre-existing diseases are any health conditions or disorders that you have been diagnosed with before purchasing your first health insurance plan.


  • ✔️Which cashless health insurance is best in Kerala?

    The best cashless health insurance in Kerala can be selected depending upon these factors:


    • The plan should include a maximum number of add-on covers, for example, maternity coverage, mental illness coverage, personal accident coverage, critical illness coverage, etc.

    • The insurance company should have a large chain of network hospitals for easy cashless claims.

    • Daycare treatment coverage and in-patient hospitalisation coverage must be included in the plan.

    • You must also check the health returns that are offered by the plan and the bonus offered for every claim-free year for the plan. The higher the returns, the better the plan.

  • ✔️Which health plan is best for senior citizens?

    In order to choose the best health insurance in Kerala for senior citizens, the following things should be kept in mind:

    • The policy should cover all the daycare expenses incurred

    • Emergency ambulance coverage should be included in the policy

    • The plan must contain hospital daily cash coverage

    • The insurance company should have a good network of hospitals for easy and cashless claims

    • Organ donor charges should be covered in the plan

    • The policy must provide preventive medical check-up coverage.