Health Insurance in Kerala
TATA AIG policy
Health Insurance in Kerala
Called God’s Own Country, the southern state of Kerala is famous for its beautiful backwaters, lush greenery, hill stations, traditional houseboats and classical arts like Kathakali and Kalaripayattu. It’s an exceptionally developed state with the highest literacy rate and top-tier healthcare facilities. However, healthcare costs in Kerala are some of the highest in India, making health insurance in Kerala essential for residents and visitors.
Secure comprehensive medical care for you and your loved ones with health insurance from TATA AIG and get advanced treatments at Kerala’s top-tier medical institutions. Choose from a variety of health insurance plans, from individual and family floater plans to senior citizen and critical illness insurance. Find the right plan for your medical needs.
Quick Summary - Health Insurance in Kerala
Quick Summary
The prevalence of lifestyle diseases, high medical expenses, rising medical inflation and the cost of family healthcare expenses make health insurance a necessity in Kerala.
By opting for TATA AIG’s health insurance policies, you can benefit from our extensive cashless hospital network, easy claim settlement process, specialised coverage benefits, attractive discounts, cumulative bonuses, and more.
Our individual and family health insurance in Kerala covers hospitalisation expenses, pre-and post hospitalisation expenses, daycare procedures, global coverage, etc.
Buying the best family insurance in Kerala from us is very easy, paperless and instant. Simply enter a few basic details, choose your coverage and pay the premium to get a plan. Renewing and filing claims is as easy on our platform.
The amount of coverage you need from your health plan depends on your age, city, health conditions and the number of family members you want to include.
What the Data Says About Major Health Issues in Kerala
Cancer: According to the Economic Review 2025, Cancer-related deaths in Kerala have risen steadily. The review shows that cancer accounted for 16.28% of all deaths in 2023, making it the second leading cause of death in the state.
Diabetes: Kerala has the highest incidence of Type 2 diabetes of any Indian state. More than 7.26 lakh diabetes cases were registered in just December 2024, making it a serious threat to people’s health.
Cardiovascular Diseases: Since 1996, coronary artery disease has tripled across Kerala.
Infectious Diseases: Infectious diseases, including Nipah, dengue, monkeypox, malaria, Chikungunya, West Nile fever, avian bird flu, etc., are very prevalent in Kerala. From 2021 to 2024, 26 cases of Chikungunya, 2203 cases of dengue and 16 cases of West Nile fever were reported.
Zoonotic Diseases: Kerala has witnessed multiple outbreaks of avian bird flu over the past few years. The last H5N1 influenza outbreak happened in 2024. In addition, zoonotic diseases such as swine flu, rabies, salmonellosis, and leptospirosis have been reported in the state.
Why Do You Need Health Insurance in Kerala?
Treatment of Lifestyle Diseases: Diseases, such as obesity, diabetes mellitus, stroke and cardiovascular diseases, caused by modern lifestyle and habits, are exceptionally high in Kerala. A health insurance plan is necessary to deal with the long-term costs of such diseases.
Covers High Medical Expenses: With treatment at even government hospitals being expensive, having good health insurance in Kerala is crucial to cover healthcare expenses.
Counters Medical Inflation: Healthcare costs increase every year across India, reaching 13% in 2025, which is triple the general inflation rate. Buying medical insurance lets you secure quality treatment without depleting your finances.
Safeguards Your Family: Healthcare expenses for multiple family members can be very expensive. The best family insurance in Kerala for families alleviates your financial burden by covering multiple family members within a single plan.
Deals with Inadequate Cover: Get a separate and new health insurance policy if your existing plan only provides basic medical coverage or doesn’t cover certain risks, such as preexisting conditions or specific diseases.
Types of TATA AIG Health Insurance Plans Available in Kerala
- Individual Health Insurance Plans
- Senior Citizen Health Insurance Plans
- Family Health Insurance Plans
- Critical Illness Health Insurance Plans
- Personal Accident Health Insurance Plans
- Arogya Sanjeevani Policy
- Super Top-Up Health Insurance Plans
Reasons to Buy Health Insurance from TATA AIG in Kerala
Provides Complete Medical Coverage: The best health insurance in Kerala covers a wide range of medical expenses, including pre- and post-hospitalisation, diagnostic tests, consultations, medications, and more. Our plans also cover daycare procedure, home treatment and wellness services.
Specialised Coverage Benefits: TATA AIG plans provide a host of special coverage options to fit different medical needs. This includes preventive care, including health checkups and vaccinations, wellness and post-operative care services, global coverage and medical consumables.
Attractive Discounts: We offer attractive year-round discounts with all our health plans in Kerala. Our multi-year plans come with 5% to 10% discounts based on tenure, while our family health insurance plans offer 20% to 32% discounts based on the number of members.
Cashless Treatment Across India: With over 12,000 network hospitals across India, you can get quick treatments in and outside of Kerala. If you are unable to find a network hospital near you, get cashless treatment at any non-network hospital.
Substantial Cumulative Bonus: By renewing your health insurance plan in Kerala, you can get a cumulative bonus for not filing claims in the previous year. We offer a cumulative bonus from 10% to 100% depending on the number of claim-free years.
Add-Ons for Customisation: To ensure you have the best medical coverage, TATA AIG has a wide selection of riders or add-ons like maternity expenses, accident coverage, consumables benefit, that let you enhance your base plan.
TATA AIG Medical Insurance in Kerala - Inclusions, Exclusions & Add-ons
| Inclusions | Exclusions | Add-Ons |
|---|---|---|
| Hospitalisation expenses, including room rent, medicines, diagnostics, ICU charges, etc. | Self-inflicted injuries and suicide attempts | Critical Illness Cover |
| Pre-hospitalisation and post-hospitalisation expenses for a specific number of days | Cosmetic and plastic surgery expenses | Accident Cover |
| Daycare treatment, including 540+ procedures | Obesity and weight control treatments, unless medically necessary | Consumables Benefit |
| AYUSH cover, including hospitalisation and daycare expenses | Medical expenses and surgery costs for gender-change procedures | Maternity Care |
| Ambulance charges up to the specified limit | Treatment for alcohol and drug addiction and substance abuse | Domestic Second Opinion Rider |
| Preventive health checkups up to a certain limit | Injuries or diseases from war, war-like operations and nuclear perils | International Second Opinion |
| Domiciliary hospitalisation under a qualified doctor | Preventive Annual Health CheckUps | |
| Global cover for inpatient and daycare treatment taken abroad | Infinite Advantage | |
| Pre-existing diseases after the mentioned waiting period | Cumulative Bonus Shield | |
| Consumables benefit covering certain medical consumables | Emergency Assistance Services |
How to Buy Health Insurance in Kerala Online
Instant Paperless Health Insurance
Buy a TATA AIG health insurance plan in 5 easy steps
Check Plans: Scroll up and click on the ‘Check Plans’ button at the top of this page.
Add Members: Choose the number of family members and click on ‘Get Plan’
Provide a Few Details: Enter the additional information, including mobile number, date of birth, PIN code and other required details and click on ‘See Plans’.
Choose a Plan: Review the plans available and make a choice. Then, modify the coverage limit and include add-ons as per your needs.
Pay the Premium: View the premium quote, and if acceptable, pay the premium to get the best health insurance policy in Kerala.
How to Renew Your TATA AIG Policy Online?
Select Health Insurance: Scroll up and select ‘Health’ under the ‘Renewal’ menu at the top.
Enter the Policy Number: Type in your existing health insurance policy number and click on ‘Renew’.
Verify Details: Review your existing policy coverage and price, and modify the coverage limit and include add-ons as needed.
Pay the Premium: Pay the renewal premium as per your selected options to renew health insurance in Kerala, India.
How to Claim Health Insurance in Kerala?
Cashless Claim- Emergency
Intimate a Claim: If you are admitted for emergency treatment, file a cashless claim form with the help of the hospital TPA (third-party administrator) within 24 hours.
Send the Required Documents: Provide all necessary and additional documents, including your insurance card, policy documents, identity and address proof, etc.
Wait for the Authorisation Letter: Once we receive your cashless claim, we will generate a Claim Intimation/Reference Number and issue an authorisation letter after verification.
Cashless Claim- Non-Emergency
Intimate a Claim: Send your cashless claim form via email, letter or enter details through our dedicated claim support portal at least 48 hours before your planned hospitalisation.
Wait for Confirmation: After receiving and verifying your claim, we will notify the hospital and send you a confirmation letter, valid for up to 7 days.
Submit the Documents: Upon arrival at your chosen hospital, submit your health insurance card and confirmation letter at the insurance desk.
Reimbursement Claim
Pay Your Bills: Pay the medical bills out of your own pocket and ensure to collect all relevant documents before your discharge.
Register a Claim: Fill out and submit a reimbursement claim form along with documents, such as medical bills, receipts, prescriptions, discharge card and medical certificate.
Wait for Settlement: Once we receive your reimbursement claim and supporting documents, we will verify the claim and award the eligible expenses.
How Much Health Insurance Coverage Do You Need in Kerala?
Your ideal health insurance coverage depends on your age, health needs, pre-existing conditions, residence and the number of people you have to cover. Here is how much you may need in Kerala:
Minimum Coverage for a Person: Ideally, the sum insured amount of a health insurance plan in Kerala should be at least 50% of your annual income. It is also recommended to be at least ₹10 lakhs per individual.
Minimum Coverage Based on Residence: For tier-2 cities like Kochi and Thiruvananthapuram, you may need at least ₹10 lakhs in medical coverage per person. For tier-3 cities like Kannur and Malappuram, at least ₹5 lakhs per person may be required.
Minimum Coverage for a Family: The best family health insurance in Kerala may offer at least ₹10-15 lakhs in a tier-3 city and ₹15-20 lakhs in a tier-2 city, depending on the family size, healthcare needs, lifestyle, and the level of medical coverage required.
Minimum Coverage for Senior Citizens: When you have to cover senior citizens, having at least ₹5 lakhs of additional coverage per person and critical illness cover is advisable.
Is Government Health Insurance Enough to Cover Medical Expenses in Kerala?
In Kerala, the Karunya Arogya Suraksha Padhathi provides free medical care to the public through empanelled government and private hospitals. Learn if it’s enough for you:
| Point of Differentiation | Karunya Health Security Scheme | TATA AIG Health Insurance |
|---|---|---|
| Coverage | Hospitalisation expenses, including surgery, medications and diagnostics. | Hospitalisation expenses, daycare treatment, AYUSH, domiciliary treatment, global coverage, and more |
| Sum Insured | ₹5 lakhs per family per financial year | ₹5 lakhs to ₹3 crores, depending on your chosen plan |
| Cashless Treatment | Available only at empanelled hospitals in Kerala | Available at any hospital in India under Cashless Everywhere |
| Pre-existing Disease Coverage | Covers pre-existing diseases from day one | Covers pre-existing diseases after the waiting period |
| Eligibility Criteria | Economically weaker sections and children below 18 years | Any adult above 18 years and any child as a dependent |
| How to Get | If eligible, apply directly at the empanelled hospital’s KASP kiosk | Buy via the TATA AIG online portal or mobile app |
Cashless Network Hospitals in Kerala
Our cashless network includes multi-speciality hospitals, specialist clinics, diagnostic centres, and reputable medical institutions across India. Get admitted to a cashless hospital for faster and easier claim processing. Explore some of our popular cashless network hospitals in Kerala:
- Ananthapuri Hospital And Research Institute (Thiruvananthapuram)
- Cosmopolitan Hospital (Thiruvananthapuram)
- Dr Agarwals Eye Hospital (Vellayambalam)
- Doctors Hospital LLP (Kochi)
- Sangeeth Nursing Home (Kochi)
- Sree Subramania Ayurvedic Nursing Home (Karuvissery)
- Rajendra Hospital (Calicut)
- Malabar Multispeciality Centre (Eranhipaalam)
- KIMS Kollam Multispeciality Hospital India Pvt Ltd (Kottiyam)
- NS Memorial Institute Of Medical Sciences (Palathara)
Check our cashless network hospital list to find hospitals near your location in Kerala.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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Frequently Asked Questions
General
What is health insurance and how does it work?
Health insurance is a financial contract where the insurance company agrees to pay the covered medical expenses of the insured persons in exchange for a periodic sum called the premium. When the insured person is diagnosed with an illness, the insurer covers medical expenses, such as hospital bills, medicines, surgery, doctor’s consultation, diagnostic tests, ambulance charges, etc., as per the terms of the policy.
How can I find the most affordable health insurance in Kerala?
To get the best medical insurance in Kerala based on costs, ensure to research your options based on costs and coverage. Getting a health insurance plan at a younger age is another way to get lower premium rates. By staying with the same insurer, you can accumulate benefits like No Claim Bonus and other discounts. Moreover, opting for a voluntary deductible or copayment also lowers premium costs.
What is a deductible, and how does it affect my health insurance?
A deductible is a fixed expense that a policyholder is required to pay from their own pockets. It is the share of hospitalisation expenses and other medical costs the policyholder must pay before the health insurance covers the rest. For a plan with ₹10 lakhs coverage and a deductible of ₹40,000, at the time of claim, the insurer will pay ₹4,60,000 after you have paid the ₹40,000 to the hospital.
What can I do if my health insurance claim is rejected?
If your health insurance claim is rejected, check if the cause of rejection was incorrect or missing details. If so, you can inform the insurer and file a new claim with the correct details. Also, check if you have submitted the required documents and contact your insurer or TPA to provide the rest. Provide evidence if your treatment was deemed medically unnecessary.
Upon receiving a rejection, go through the denial letter carefully and know the actual cause of the denial to rectify your claim. In case you find out that your claim was rejected unjustly after checking the policy documents, file a formal appeal with a written explanation.
Which is better- mediclaim or health insurance?
A mediclaim is a basic medical insurance plan that covers only basic medical costs, including hospitalisation costs, unlike health insurance plans, which offer broader coverage. Mediclaim plans also don’t allow add-ons or riders, and a limited sum insured amount. While mediclaim plans are more affordable, health insurance plans in Kerala are better for more comprehensive medical coverage.
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