Health Insurance in Karnataka

Quick Summary

• Karnataka residents are vulnerable to multiple health issues.

• Health insurance in Karnataka is necessary to address chronic illnesses, rising medical expenses, and ensure financial security for individuals and their loved ones.

• Explore multiple types of medical insurance in Karnataka from TATA AIG, including individual, family floater, senior citizen, critical illness and super top-up plans.

• Our health insurance plans offer multiple advantages, including quick cashless treatments, customisation options, attractive bonuses and discounts.

• Health insurance plans in Karnataka cover a wide range of expenses, including hospitalisation, daycare procedures, domiciliary treatment, global treatment, and more.

• Buy or renew health insurance online in Karnataka in just a few steps via the TATA AIG website or mobile app. Get instant policy issuance and policy documents delivered right to your email.

• Cardiovascular Diseases: Cardiovascular issues, including hypertension and ischaemic heart diseases, are higher than the national average, especially in Bengaluru. Nearly one-fourth of adults suffer from hypertension, according to a study.

• Diabetes: Diabetes Mellitus Type 2 is a major cause of mortality and morbidity in the state. According to the National Family Health Survey, 5.7% of women and 6.6% of men have high blood sugar.

• Nutritional Deficiencies: Nutritional deficiencies, malnutrition, undernutrition and anemia are prevalent among mothers and small children, especially in northern districts, including Raichur, Kalaburagi and Yadgir.

• Tuberculosis: TB is a leading infectious disease in Karnataka, which is a high-burden state. TB cases are high in rural and semi-urban areas. As of 2021, 131 cases were reported in Karnataka per 1 lakh population.

• Vector-Borne Diseases: Vector-borne diseases like malaria, dengue and chikungunya are prevalent during the monsoon season due to poor sanitation and waste management.

• Managing Chronic Diseases: Non-communicable diseases, including hypertension, diabetes, cardiovascular diseases, and respiratory illnesses, contribute to 65.42% of the loss of lifespan. The cost of treating NCDs is substantial over the long term, making medical insurance an effective tool.

• Dealing with Rising Medical Expenses: Out-of-pocket healthcare expenses for households have increased considerably in Karnataka. Stay on top of rising medical inflation by getting medical insurance for you and your loved ones.

• Ensuring Financial Security: With medical insurance in Karnataka, you can cover massive expenses by paying a much smaller premium, preserving your savings and letting you access top-tier healthcare in Karnataka.

• Providing Hospitalisation Coverage: Health insurance plans in Karnataka cover a range of hospitalisation costs, including medicines, diagnostic tests, doctor’s consultation fees, surgery fees, and nursing care. Buy health insurance from TATA AIG to get additional covers, including preventive care, emergency services, OPD expenses, and more.

• Protecting Your Family: With family health insurance in Karnataka, you can insure multiple family members cost-effectively while covering their unique health risks.

• For Peace of Mind: A health insurance policy provides an essential safety net, making sure you can afford treatment at reputable medical institutions. This lets you focus on recovery and live stress-free and debt-free due to healthcare expenses.

• Individual Health Insurance Plans

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• Family Health Insurance Plans

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• Senior Citizen Health Insurance Plans

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• Critical Illness Health Insurance Plans

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• Personal Accident Health Insurance Plans

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• Super Top-Up Health Insurance Plans

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• Arogya Sanjeevani Policy

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• Quick Cashless Treatments: TATA AIG offers the best health insurance in India for quick and hassle-free claim processes and cashless treatments. Get admitted to any network or non-network hospital to get cashless coverage and avoid the hassles of upfront payments.

• Multiple Policy Options: We offer a variety of health insurance plans, including individual, family floater, and top-up plans, catering to different needs. We also offer specialised health insurance for women with coverage for maternity care and chronic conditions affecting women.

• Discounts and Bonuses: Get the most affordable health insurance in Karnataka from TATA AIG. We offer discounts from 5% to 10% for long-term plans and 20% to 32% discounts for adding multiple members. In addition, you get a cumulative bonus of up to 100% of the base sum insured.

• Insurance for Family Members: Our family floater plans let you cover up to 7 family members under a single plan with up to 32% family discounts on premiums.

• Automatic Restoration: Unlike regular Karnataka health insurance plans, where benefits end with a single claim, our policies maintain coverage as they have automatic restoration. Depending on your chosen plan, we restore the entire sum insured plus cumulative bonuses when you spend them by filing a claim.

• Trusted and Reliable Insurer: All TATA AIG plans come with the TATA promise, backed by the 150-year-old legacy of the TATA Group. We have served 5+ crore customers for 25+ years with a flawless record and a high Claim Settlement Ratio that demonstrates our commitment to fulfilling claims.

Instant Policy Issuance

Buy your policy in minutes and get it delivered instantly

• Click on Buy Insurance: Scroll up to the top of this page and click on the button labelled ‘Want to buy insurance’.

• Add Family Members: Select the number of family members and click on ‘Get Plan’.

• Enter Additional Details: Enter the rest of the required details, such as PIN code, mobile number, and email address. Then, click on ‘See Plan’.

• Choose Your Coverage: Check the different health insurance plans available. Modify the coverage amount and tenure, and include add-ons as required.

• Pay the Premium: Pay the premium amount as shown in our quotes to purchase the best health insurance in Karnataka.

• Find the Renewal Menu: Scroll up and click on the ‘Renewal’ menu and choose ‘Health’ from the dropdown menu.

• Enter Your Policy Number: Enter your existing policy number and click on the ‘Renew’ button.

• Update Coverage Details: Review your existing policy details, modify the coverage details and include add-ons as needed.

• Pay the Premium: Check the revised premium amount and pay the premium to renew the online health insurance.

Cashless Claim- Emergency

• Fill out the Claim Form: Get a cashless claim form from the hospital and submit it within 24 hours of getting admitted.

• Submit the Required Documents: Submit your claim form with your health insurance card, a copy of policy documents and identification documents.

• Wait for Authorisation: Wait till we process your claim, send an authorisation letter to the hospital and settle your bills.

Cashless Claim- Non-Emergency

• Intimate a Claim: Send us your cashless claim form along with supporting documents via email or a letter at least 48 hours before your scheduled treatment.

• Wait for Confirmation: After we receive and verify your claim, we will send you a confirmation letter and inform the hospital about your treatment.

• Submit the Letter: On the day of your admission, submit the confirmation letter and your insurance card at the insurance desk of the hospital.

Reimbursement Claim

• Pay the Medical Bills: After getting treatment at a non-network hospital, pay the medical bills yourself and collect all relevant documents.

• Register a Claim: Fill out the reimbursement claim form and attach documents, such as policy documents, discharge certificate, medical certificate, bills, prescriptions and payment receipts.

• Wait for Verification: Once we receive the claim form and supporting documents, we will process your claim and send the reimbursement amount.

The right health insurance coverage varies from person to person and depends on your age, location, lifestyle and medical history. Here is a typical minimum required coverage in Karnataka:

• For a single person: Experts recommend having at least 50% of your annual income as insurance coverage with a minimum sum insured of ₹5-10 lakhs.

• Based on Location: While ₹5-10 lakhs may be enough for a single person in a tier-3 city like Bidar, Udupi and Vijayapura, in a tier-1 city like Bengaluru, you need at least ₹10-15 lakhs per person.

• Based on Age: If you are in your 20s and healthy, ₹5 lakhs in health coverage may be enough. However, if you are aged 40 years or above, a sum insured of 3-5 times your annual income is recommended.

• For Multiple Family Members: In a tier-1 city, you need at least ₹30 lakh of health insurance coverage for your entire family. In a tier-3 city, ₹10-15 lakhs may be enough.

In Karnataka, the Ayushman Bharat- Arogya Karnataka Scheme (AB-ARK) is the universal government health scheme provided to all residents. Learn if it’s enough for you:

TATA AIG has partnered with 12,000+ network hospitals across the country, including many top-tier hospitals, medical colleges and nursing homes in Karnataka. Get faster claim processing and minimal verification at our network hospitals. Explore some of our most popular network providers in the state:

• Aarogya Hastha Hospitals Pvt Ltd (Bengaluru)
• Apollo Hospital (Sheshadripuram)
• Asha Hospitals And Research Centre (Bengaluru)
• Avant BKG Hospitals (Mysuru)
• Dr Agarwals Eye Hospital (Deshpande Nagar)
• Fortis International Hospital Limited (Rajajinagar)
• JSS Ayurveda Medical College And Hospital (Lalithadripura Road)
• KVC Super Speciality Hospital (Chamrajpura)
• Mangala Hospital & Mangala Kidney Foundation (Mangaluru)
• Nephroplus Dialysis Center (Javali Garden)
• Omega Multispeciality Hospital (Yelahanka)
• SPG Hospital & Diagnostic Center (Thirumalashettyhalli Cross)

Find the nearest network hospital from our cashless network hospital page by entering the city name and clicking on the search button.