Health Insurance in Kerala

What is Covered in the Care Health Insurance Plan in Kerala? 

Here are the aspects covered in our medical insurance in Kerala : 

• In-patient Hospitalisation
• 60-Day Pre and 180-Day Post-Hospitalisation
• Ambulance Charges
• Day Care Treatments
• AYUSH Treatment
• Annual Health Check-up
• Coronavirus Treatment
• Domiciliary Hospitalisation
• Advanced Medical Treatment

What is Not Covered in the Care Health Insurance Plan in Kerala? 

Below is the list of permanent exclusions which are not covered in our medical insurance in Kerala : 

• Self-Inflicted Injury
• Sexually Transmitted Diseases (STDs)
• Cosmetic Surgery 
• Maternity-related expenses 
• Naturopathy Treatment
• Congenital Diseases (Birth Defects)
• War, riots or nuclear weapon-induced hospitalisation

Benefits of Buying Health Insurance in Kerala

Here are the top benefits of buying a health insurance policy in Kerala:

• Financial Protection: Securing health insurance in Kerala comes with a solid financial backup against lifestyle diseases, life-threatening diseases and accidental injuries. So, your insurance plan has your back whenever a medical emergency strikes. 
• Peace of Mind: Knowing that you won’t have to dig up your savings during medical emergencies, you can rest assured and focus on your recovery instead of worrying about the finances. 
• Tax Benefits: Section 80 D of the Income Tax Act makes you eligible for receiving tax deductions on the premiums paid for the health insurance policy. 

How Much Health Insurance Coverage Do You Need in Kerala? 

The amount of medical coverage you need in Kerala depends on numerous factors, including your family's healthcare needs, pre-existing conditions in the family, medical inflation in Kerala, the number of dependents, and the cost of hospitalisation. 

Considering the rising healthcare costs in the city, a health insurance policy of at least 5 to 10 lakh sum insured would be sufficient for an individual. On the other hand, the coverage amount of 10 to 20 lakh would be sufficient for your family. 

Why Choose Care Health Insurance? 

Purchasing health insurance in Kerala requires clarity about your insurance needs and opting for a plan that matches with these needs. At Care Health Insurance, we customise our plans to meet your healthcare goals. Here are the top reasons for choosing us:

• Quality Healthcare at Top Network Hospitals: Having a wide network of 24800+ network hospitals, we ensure quality treatment without burning a hole in your pocket. 
• Comprehensive Healthcare Coverage: We offer comprehensive coverage including pre and post-hospitalisation expenses, in-patient care, day care treatment, road ambulance, organ donor, etc. 
• 48 Lakhs+ Claims Settled: With a decent experience of settling the highest number of claims across cities, we bring the same credibility to Kerala residents. Irrespective of the type of hospitalisation involved, we ensure a seamless claim settlement process. 
• Rewards and Bonus: Cumulative bonus, Cumulative bonus super, no claim bonus, wellness benefits, loyalty booster, etc. 
• Additional Benefits: You also get a chance to choose from several add-ons as per your needs. These include smart select, instant cover, room rent modification, newborn cover, annual health check-up, room rent modification, PED wait period modification, etc. 

Reasons to Buy Online Health Insurance in Kerala 

Here are some key reasons to buy health insurance online in Kerala:

• Easy Comparison: Online comparison allows you to analyse the coverage, costs and benefits of health insurance policies. Based on this, you can confidently choose a medical insurance by comparing all the available options
• Zero Paperwork Required: You don’t need to submit the copies of documents by physically visiting the insurance office. All the required documents of you and your dependents can be uploaded online. 
• Convenience: Buying a health insurance plan online ensures a quick renewal process due to the availability of health insurance at your fingertips.  

Tips to Find the Best Health Insurance Company in Kerala 

Choosing a suitable medical insurance in Kerala requires you to compare plans offered by numerous health insurance companies and select the best fit. Here are the steps you need to follow to choose the best health insurance company in Kerala:

• Evaluate Your Insurance Needs: The foremost step involves assessing your age, medical history, and existing conditions. Doing so, helps you choose the policy aligning with your healthcare and financial goals. 
• CSR Rate: CSR stands for claim settlement ratio. This is a crucial factor to consider when purchasing health insurance in Kerala, it acts as evidence that you’re investing in a reliable insurance company. 
• Consider the Sum Insured: Given the rising healthcare costs in Kerala, specifically in cities such as Kochi and Thiruvananthapuram, opt for plans with adequate coverage. 
• Network Hospitals: Ensure that you check the list of network hospitals provided by the insurer before purchasing the medical policy. This way you can receive quality healthcare without the need for upfront payments.
• Coverage for Critical Illnesses: Choose a health insurance policy that includes coverage for life-threatening conditions including heart disease, cancer, kidney and stroke. 
• Calculate the premium: Using an online health insurance premium calculator, calculate the estimated premium offered by health insurance companies and choose the ones that match your requirements. 
• Waiting Period: Review the waiting period of each health insurance plan and choose the one with the minimum timeframe. This ensures that you get the coverage during emergencies. 
• Know Exclusions: Exclusions include specific medical conditions and treatments that are not covered under your health insurance policy. Knowing these, helps in avoiding surprises during claim settlements. 

Claim Process for Health Insurance in Kerala 

The claim process can vary between health insurance companies in Kerala. At Care Health Insurance, we ensure a seamless experience of filing both types of claims: cashless and reimbursement. Here are the steps for each:

Cashless Claim 

Step 1: Visit your nearest network hospital.
Step 2: Fill the pre-authorization form available at the hospital’s TPA desk and send it to our claim management team.
Step 3: Along with the claim form, submit the required documents.
Step 4: Our claim management team will carefully review your pre-authorization form and submitted documents.
Step 5: Once the verification is completed, we’ll send the approval letter for cashless treatment.

Reimbursement Claim 

Step 1: Inform us about your hospitalisation at a non-network hospital.
Step 2: Upon discharge, pay the bills upfront and collect the relevant documents. 
Step 3: After getting discharged, file a reimbursement claim and attach the collected documents. 
Step 4: After document verification, we’ll send the approval letter and your medical expenditure will be reimbursed in your bank account. 

How to Renew Your Health Insurance Policy in Kerala? 

The policy renewal process at Care Health Insurance comprises simple steps that help you continue the benefits of your insurance policy in Kerala. These steps include:

Step 1: Go to our official website
Step 2: Select the renew tab located at the top right corner, this will take you to a new page. 
Step 3: Enter your personal information, including your policy number and contact number.
Step 4: Ensure that all your policy details, such as the premium amount, are accurate.
Step 5: Proceed to the payment section and complete the policy renewal through any secure payment method. 

Note: After receiving the renewal confirmation, you can continue availing the benefits of your insurance policy. You have the option to port it to another suitable plan at the time of renewal