Which is the Best Medical Insurance Policy in Kerala?

Choosing one of the best medical insurance policies in Kerala depends on your personal needs, budget, family size, the type of plan you opt for, past medical history and current health conditions. As there is no single policy that fits everyone, but there are some criteria that can help you decide which plan is best for you.

The first thing that you need to look for is a policy that provides comprehensive coverage, which includes hospitalisation expenses, day care procedures, and pre- and post-operative expenses. hospitalisation costs, ambulance service charges, domiciliary treatment and more. Secondly, the best medical insurance policy in Kerala will have a wide list of network hospitals, which ensures that during urgent medical situations, you receive quality treatment without worrying about upfront payments.

Many people believe that picking a lower sum insured will help them save on premiums. But with medical costs rising every year, even a short hospital stay or a minor surgery can cost a lot, especially in metro cities. So, consider a higher sum insured as medical inflation is rising, and treatments can be expensive. For instance, an individual should have a plan of Rs. 5–10 lakh, while on the other hand, for families, a coverage of Rs. 10–20 lakh is recommended. But it can vary depending on age and health conditions.

Another major factor that may help you choose one of the best medical insurance policies in the city is the waiting period. Most policies have waiting periods for pre-existing diseases, maternity benefits, and specific illnesses. However, if you or anyone in your family has an existing health issue, choose a plan with a shorter waiting period, so that you don't have to wait longer to submit a claim.

Advantages of Best Health Insurance in Kerala

The following are some of the benefits of Best Health Insurance in Kerala:

• For most of the plans, there is no need for a pre-medical check-up.


• It offers financial safety by covering hospital bills, medicine expenses, diagnostic tests and more.


• Excellent In-house claims settlement team that provides hassle-free claims.


• It offers 24/7 customer assistance so that you can resolve your queries or issues anytime.


• Several wellness services include telemedicine, a health library, and a wellness program.

What’s Covered under Health Insurance Plans in Kerala?

Many health insurance plans in Kerala offer extensive coverage, but the expenses that are usually covered are:

Hospitalisation expenses, including room charges, doctor's fees, nursing charges, and operating theatre expenses.

Expenses related to pre and post-hospitalisation are covered ( like doctor consultation fees, nurse charges, diagnostic tests, medication costs, and follow-up visits, etc.).

Ambulance services, day-care treatment, organ donor expenses, and other alternative treatments such as AYUSH are covered.

In conclusion, to find one of the best medical policies in Kerala, always compare multiple policies based on the coverage, premium, network hospitals in the city, customer reviews, claim settlement ratio, exclusions/limitations and other additional benefits.