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Need for Health Insurance in Kerala

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, medical insurance enables you to secure yourself against the soaring healthcare inflation. Ailments do not always come knocking on doors, which is why 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)

94%

94%

94%

90%

Network Hospitals

6,500+

6,500+

6,000+

5,050+

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

Buy Plans

Buy Now!

Buy Now!

Buy Now!

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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 a 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 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:

To Summarise

Now that you have understood the need for health insurance and its benefits, we hope you will consider opting for one. Due to our fast-paced lifestyle and long working hours, most of us require a backup against health emergencies. Apart from this, medical inflation in the country is a reason enough to opt for a cashless hospitalisation benefit. To avail sufficient insurance coverage at cost-effective rates, browse through the policies available on Bajaj MARKETS now!

Best Health Insurance Plans Available at Finserv 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.