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No doubt, Kerala is known for its advanced healthcare system. However, the sharply rising cost of healthcare services across the state can not be ignored.
The increased medical expenses and higher disease exposure in Kerala makes health insurance vital for financial planning. It makes quality healthcare accessible by providing necessary coverage for healthcare needs.
We offer Reliance health insurance plans in Kerala that offer tailored coverage and multiple benefits.
5 Crore+ Policyholders*
Cashless Hospitalisation Anywhere
100%* Claims Settlement
Affordable Premiums Starting from₹243/month*
Higher Medical Cost
Increased Risk Exposure
Tax Benefits
The rising healthcare cost in Kerala is the biggest reason to purchase the best medical insurance in Kerala. It is a vital financial management tool that can minimise your out-of-pocket medical expenses significantly.
Issues like diabetes, cancer and cardiovascular problems have become very common in Kerala. Health insurance is required to cover the hefty treatment cost of such risks.
In addition to medical coverage, health insurance can also offer impressive tax benefits. You can claim up to ₹1 lakh tax deductions u/s 80C on your health insurance premiums.
The health insurance coverage requirements in Kerala can be different for each individual. This is due to the differences in age, health conditions, income, coverage requirements and many other factors.
Below is an approximate estimate of health insurance coverage needs for different types of policies:
Category
Coverage Needed (Approx)
Annual Premiums (Approx)
Self/Individual
₹10 to ₹15 lakhs
₹15,000 to ₹20,000
Family (Self, Spouse, One Dependent Child)
₹15 to ₹20 lakhs
₹20,000 to ₹35,000
Parents Above 65 Years of Age (Mother and Father)
₹20 to ₹25 lakhs
₹35,000 to ₹50,000
For an accurate estimate, use our health insurance premium calculator or get in touch with us.
Determine Coverage Needs
Select Right Policy
Compare Online
Before starting your search for suitable health insurance in Kerala, take sufficient time to review your coverage needs. When doing so, take into account your income, health condition, risk profile, location and other factors.
Choose a suitable policy based on your unique coverage needs. You can choose from individual and family plans, critical illness insurance, parents insurance and so on.
The easiest way to find the best health insurance in Kerala is to compare multiple plans online. Consider making comparisons based on premiums, sum insured, type of coverage, cashless hospitalisation, claims process, etc.
Check Claims Settlement Process
Check Customer Reviews and Testimonials
Before finalising your health insurance policy, ensure that the claim settlement process of your chosen provider is reliable. For this, check claims settlement ratio and available claims procedures.
Take a look at customer feedback and reviews to check the efficiency of your chosen insurer. This is another way to find the best health insurance in Kerala.
Low Premiums
Purchase Reliance health insurance to enjoy low premiums starting from just ₹243 per month*. You can reduce your premiums further by applying available discounts on our website or the Reliance Self-i app.
Multiple Options
We offer a wide array of health insurance plans tailored to your exclusive needs. From individual and family insurance to critical illness insurance and senior citizen insurance, you can choose from a variety of options.
No Medical Check-up
No need to undergo a pre-policy medical check-up if you are up to 45 years of age. You can purchase/renew a suitable plan in minutes using our simple online purchase and renewal process.
Zero Paperwork
No complicated paperwork is required for buying Reliance health insurance online. You can purchase a policy in minutes through our easy online process.
Attractive Discounts
We offer a flat 10% discount on health insurance policies purchased from our website or mobile app. You can claim many other discounts like existing customer discounts, long-term discounts, good health discounts and more.
Key Features
Reliance Advantage
Affordable Premiums
Starts at ₹243/month*
Extensive Sum Insured
₹3 Lakhs to ₹5 Crores
Claim Settlement Ratio
100% (FY 2023-24)
Network Hospitals
10,000+
Day Care Treatment
✓
In-Patient Hospitalisation
Cashless Hospitalisation
Critical Illness Cover
Modern Treatment
AYUSH Treatment
Domiciliary Hospitalisation
Types of Policies
Individual, Family and Group
Restoration of Sum Insured
Emergency Ambulance
Organ Donor
Room Rent
Online purchase via website and Self-i mobile app.
Wide Range of Optional Add-Ons
Maternity Cover, Room Rent Waiver, OPD Cover, Restore Benefit Cover and more.
Reliance Health Insurance Policy
Key Features and Benefits
Reliance Health Gain Plan
{Best Health Insurance in Kerala for Family}
● Multiple sum insured options starting from ₹3 lakhs
● Unlimited reinstatement of sum insured.
● Covers AYUSH treatment, pre- and post-hospitalisation, organ donation and other expenses.
● No medical test needed up to 45 years of age.
Reliance Health Infinity Plan
{Best Health Insurance for Senior Citizens in Kerala}
● Up to ₹5 crores sum insured.
● Covers daycare, ambulance and critical illness expenses.
● No-upper age limit
● Preventative care through routine check-ups
Reliance Health Global Plan
● Up to USD 1 million sum insured.
● Global medical coverage for planned hospitalisation.
● Cashless treatment at network hospitals worldwide.
● Covers travel and accommodation expenses.
Reliance Hospi Care Insurance Plan
● Offers lump sum payment for pre-specified surgeries and treatment.
● Daily hospital and ICU cash allowance.
● No medical check-up required.
● Covers pre-existing conditions after waiting period.
Reliance Super Top-Up Plan
● Offers additional coverage with existing health insurance policy.
● Covers pre and post hospitalisation.
● No medical test needed up to 55 years of age.
● Offers higher sum insured.
Reliance Specially Abled Health Insurance
● Designed for individuals with disabilities.
● Up to ₹5 lakh sum insured.
● Covers emergency hospitalisation and injuries.
● Covers daycare procedures and ambulance costs.
Reliance Group Mediclaim Insurance
● Tailored for groups and organisations.
● Covers pre-existing conditions.
● Extended coverage to family members.
● Super low premiums.
The inclusions and exclusions of Reliance health insurance in Kerala differ based on the policy and specific coverage. Here are the common areas that are covered/not covered under our health insurance plans in Kerala.
Inclusions
Details
Pre- and Post-Hospitalisation
Covers medical expenses up to 60 days before and 90 days after hospitalisation.
In-Patient Treatment
Covers hospitalisation expenses including room rent, ICU charges, doctor consultation fee, diagnostic tests, etc.
Day Care Procedures
Covers medical expenses resulting from treatment that does not require hospitalisation of more than 24 hours.
Organ Donor Expenses
Covers expenses incurred during organ transplant surgery.
Ambulance Cost
Cover the cost of an ambulance during medical emergencies and accidents.
Ayush Treatment
Covers medical expenses for alternative treatments like Ayurveda, Yoga, Unani, Siddha and Homeopathy.
Preventative Healthcare
Covers the cost of routine check-ups.
Covers the cost of modern-day treatments such as robotic surgeries, stem cell therapy, etc.
Reliance network hospitals are the medical facilities that have partnered with us to provide cashless hospitalisation to our policyholders.
In simple words, you can receive high-quality treatment at these hospitals without worrying about the charges. We settle your bills directly with your chosen network hospital.
Reliance General Insurance has more than 10,000 network hospitals spread all across India, not just in Kerala.
The General Insurance Council (GIC) has recently launched the “Cashless Everywhere” initiative in January 2024. Under this scheme, you can get cashless treatment at any network or non-network hospital in India.
Simply put, you can undergo cashless hospitalisation at any registered hospital located across the country.
No doubt, cashless treatment is applicable at every authorised hospital in India. However, it is strongly advised to choose our network hospitals for various reasons, such as:
You can use our network hospital locator tool to find your nearest facility
Yes. We offer the best medical insurance in Kerala for NRIs. Get in touch with our experts for more information.
There are several ways to minimise your health insurance premium. These include buying insurance at an early age, selecting higher deductibles, choosing the right policy and so on.
There are many reasons to purchase health insurance at a young age. These include:
Medical emergencies can happen to anyone.
Young policy buyers are offered low premium rates as they are less prone to diseases.
Minimum waiting period.
No medical check-up is required.
Yes. Our Reliance Health Gain and Reliance Health Infinity insurance plans come with extensive coverage for COVID-19. We offer coverage for Covid-related hospitalisation and other medical expenses.
Yes. You can purchase a Reliance Family Health Insurance plan to cover yourself and your family under a single policy. With this plan, you can include yourself, your spouse, kids, parents and even in-laws.
You can get cashless treatment across any hospital in Kerala with Reliance health insurance plans. Our plans cover both planned and emergency cashless hospitalisation.
We don’t offer separate pregnancy insurance in Kerala. However, you can purchase our Maternity cover with your health insurance plan to get coverage for pregnancy and childbirth.
Reliance General Insurance is one of the best health insurance companies in Kerala. We offer comprehensive coverage with 100%* claims settlement at affordable premiums.
Disclaimer*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Premium: The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).
Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Health Infinity UIN: The details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223
Health Gain UIN: The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122
Health Super Top-up: The details mentioned above are for Reliance Health Super Top Up. UIN- RELHLIP21617V012021.
Health Global: Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324
Tax Benefits:Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.
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