Health Insurance in Kerala

Kerala, also known as “God’s Own Country”, has a rapidly advancing healthcare ecosystem, with the State Government heavily investing in medical infrastructure at secondary and tertiary public hospitals. However, despite these efforts, Kerala’s household out-of-pocket expenses (OOPE) are double the national average.

This increase in OOPE is due to various factors, including a rising burden of lifestyle diseases, increasing morbidity, an ageing population, and an increased dependence on private healthcare institutions. There is also a rise in cancer, diabetes and heart disease prevalence in Kerala, signifying the higher health treatment costs.

Addressing these healthcare needs can be financially draining. But with IndusInd General Insurance (formerly Reliance General Insurance), you get access to a wide range of health insurance plans tailored to protect your finances in case of a medical emergency. You can choose from standard coverage plans to specialised plans, like our Critical Illness plan. Additionally, with our OPD cover, wellness benefits, and 24/7 customer support will ensure you are covered in Kerala’s rising healthcare costs.

Why Buy Health Insurance in Kerala?

Coverage for Infectious Diseases

Kerala often battles infectious waterborne diseases, especially during the monsoon season. A recent Hepatitis A epidemic in Kerala in 2024 saw 6,000+ cases in the first half of 2024. Thus, getting insurance coverage is crucial.

Diabetes Capital

Kerala has one of India’s highest diabetes rates. Based on ICMR-INDIAB, nearly 42% of Kerala’s population is either diabetic or pre-diabetic. Our health insurance plans ensure coverage for doctor visits, hospitalisation expenses, specialist consultations, etc.

Quick Cashless Claims

With our digital-first approach, you can use our Self-i app to apply for cashless claims and receive approvals within 3 hours*. Additionally, you can also track the status in real-time and upload claim documents through the app.

Unlimited SI Reinstatement

If your coverage is fully used, the sum insured resets automatically, and you get the full protection amount back without extra premium*. So, multiple claims in a year don’t leave you exposed.

Para

Health Statistics and Major Health Problems in Kerala

Hepatitis A remains a cause for concern with 6,123 confirmed cases in 2024, a five-fold increase over previous years. Additionally, Kerala sees a rise in cancer cases, which now account for 5.7% of the country’s cancer burden. According to Kerala Cancer Conclave 2025, around 88,460 new cancer cases are reported per year - signifying the need for comprehensive health plans.

Why Choose

Why Choose IndusInd Health Plans in Kerala

With IndusInd General Insurance (formerly Reliance General Insurance), you get high-quality healthcare services in Kerala, along with protection from unexpected healthcare costs.

Location - Health Insurance

Up to 40% Discount*

More coverage & more savings!

20+ Add-On Covers*

Customise your plan to your needs

AYUSH+Modern Treatments*

Get 100% SI coverage on both*

24/7 Customer Support*

Quick support anywhere in Kerala

Types of IndusInd Health Plans in Kerala

1 IndusInd Health Infinity Insurance

This comprehensive health insurance plan offers a high sum insured (SI) of up to ₹5 crores. It covers inpatient and daycare hospitalisation, pre- and post-hospitalisation, AYUSH treatments, emergency ambulance, maternity and newborn cover, OPD cover and more. The flexible add-ons, including an additional 30% SI (MoreCover), extended policy period (MoreTime), coverage for planned global treatments (MoreGlobal), etc., make it the perfect choice for individuals and families seeking comprehensive protection.

Explore Plan

2 IndusInd Health Gain Insurance

You can customise the Health Gain Insurance plan with our three flexible variants - Plus, Power, and Prime. The sum insured ranges between ₹3 lakhs to ₹1 crore*. The benefits include modern and AYUSH treatments, extensive hospitalisation and daycare coverage, OPD, and donor expenses, making it an ideal choice for young professionals seeking OPD and wellness cover, and those desiring modular policy customisation. The plan also offers unique wellness and preventive care rewards.

Explore Plan

3 IndusInd Global Health Insurance

If you’re a non-resident Indian (NRI), expat, or a business professional working in MNSc or travel internationally frequently, Global Health Insurance is your go-to. It provides a global cover of up to USD 1 million* and an India cover, starting from ₹50 lakhs*. It offers emergency hospitalisation cover when you add the multi-trip rider. It offers adequate protection to secure your international trip.

Explore Plan

4 IndusInd Super Top-up Health Insurance

This health plan helps you add more coverage over and above your existing plan, offering high coverage. This secondary policy is particularly helpful when the primary health plan does not offer sufficient coverage for the increasing costs in Kerala. The SI ranges from ₹5 lakhs to ₹1.3 crores*, which is ideal for cities like Kerala, where the healthcare costs and cases of NCDs are on the rise.

Explore Plan

Key Features

Key Features of IndusInd Medical Plans in Kerala

Our health insurance plans offer extensive coverage, protecting you even when you are overseas. Your SI increases after every claim-free year, and you can customise coverage inclusions based on your requirements.

Location - Health Insurance

Features	Features
Premiums	Starts at ₹243 per month*
Discounts	35%* + Cumulative Bonus
Coverage	Sum Insured up to ₹5 Crores*
Global Sum Insured	Up to $1 Million*
Sum Insured Restoration	Unlimited restoration
Renewability	Lifelong renewability
Quick Claims Settlement	Settled in 4 hours* + 100% Digital Claims
Network Hospitals	Over 10,000*
Pre- and Post-Hospitalisation	90 days* before and 180 days* after
No Room Rent Capping
Day Care Procedures & OPD Cover
Ambulance Cover	Up to ₹3,500 per hospitalisation*
Health Check-Ups
Domiciliary Hospitalisation
Maternity Coverage	Up to ₹2 lakhs*
Organ Donor Expenses
Covid-19 Treatment
Critical Illness Cover
Co-Payment Options
Add-Ons & Optional Riders	20+ Add-Ons*

Family Travel Plan

Why buy 4 separate plans when you can buy one plan to cover your family of 4! Our family travel insurance plan offers coverage up to $250,000*, and this coverage is shared among all family members. This makes policy handling and claims processing a lot easier since you'll just be using one plan to cover your entire family during your trip.

Disclaimer: Coverage limits are subject to change based on your chosen plan. Please refer to your policy wordings here .

Inclusions & Exclusions

Health Insurance in Kerala: Inclusions and Exclusions

Location - Health Insurance

What is Covered?

Hospital Expenses: Covers in-patient hospitalisation, pre/post hospitalisation costs, day care procedures and ambulance charges for comprehensive medical protection.

Day 1 Coverage: We offer day 1 coverage under our health insurance plans for accident-related claims and for medical emergencies to ensure quick and comprehensive medical coverage.

AYUSH & Modern Treatments: Coverage for traditional AYUSH therapies (Ayurveda, Yoga, Unani, Siddha, Homoeopathy) and advanced treatments like robotic surgery and stem cell procedures.

Maternity & Newborn Care: Prenatal, postnatal, delivery expenses and newborn medical care coverage up to ₹2 lakh* for growing families under this add-on.

Global Emergency Cover: Medical emergency treatment costs are covered abroad for up to 45 days* with a minimal deductible during international travel.

Accident & Illness Protection: Deductible waived for accidents and premium waiver for one year* upon critical illness diagnosis for financial relief.

OPD & Home Care Services Outpatient consultations, diagnostic tests, pharmacy expenses and home-based ICU setup coverage for convenient treatment options.

Annual Health Rewards: Cumulative bonus up to 50%* for every claim-free year, plus free health check-up after 3 years* of policy continuation.

Location - Health Insurance

What is Not Covered?

Non-Medical Treatments: All medically necessary costs are covered except for treatments like wellness therapies, rejuvenation treatments, dietary supplements and cosmetic surgeries.

Lifestyle and Fertility: Weight control procedures, fertility treatments, contraception and correction of refractive errors are excluded.

Legal and Statutory: Any medical expenses resulting from intentional self-injury, suicide, war or any illegal activities are not covered.

Unrelated Outpatient & External Anomalies: We cover all OPD costs that precede your hospitalisation. However, to get coverage for all OPD treatments, you'll need the OPD services add-on. We also generally do not cover congenital diseases under our plans.

Waiting Period: All accident-related claims are covered from day 1. All other claims are subject to an initial 30-day waiting period.

Experimental or Unapproved Treatment: We cover all medical treatments, except ones not approved by the Insurance Regulatory and Development Authority of India (IRDAI) or the World Health Organisation (WHO).

Unlawful or Self-Inflicted Situations: Injuries caused by self-harm, participation in illegal activities, substance abuse, riots, terrorism or war are not covered.

Disclaimers: These are only a general list of inclusions and exclusions. Coverage options and limits will be subject to based on your chosen policy. For the complete list of Inclusions and Exclusions, please refer to the policy wording here.

Location - Health Insurance

Trusted health coverage starts with the right advice

Call our Delhi team today!

Call Us

How to Buy

How to Buy/Renew IndusInd Health Insurance in Kerala?

Location - Health Insurance

How to Buy

Scroll up to the top of this page and enter your details. For quick premium quotes, use the calculator below.

Enter your gender, DOaB, PIN code and the number of people you'd like to insure.

Select your sum insured amount, policy tenure and any add-ons you require.

Enter your PAN number and DOB, and finish the CKYC process.

Pay securely online to receive your health insurance policy via email.

Location - Health Insurance

How to Renew

Go to the form at the top of this page and click on "Renewal". You can also tap "InstaRenew" on the Self-i app.

Provide your registered mobile number or existing health insurance policy number.

Review and verify your current policy details and modify coverage if needed.

Add optional coverage or change the sum insured amount as per your requirements.

Pay the renewal premium amount and get your insurance policy renewed immediately.

IndusInd Network Hospitals in Kerala

10,000+ Hospitals for Convenience

Leave payment hassles behind with IndusInd Medical Insurance’s cashless treatment available at Kerala’s top hospitals. Get expert healthcare services always.

Find A Hospital Near You

Covers & Features

How to File

How to File an IndusInd Health Insurance Claim in Kerala?

How to File an IndusInd Health Insurance Claim in Delhi?

Cashless Claims

Step 1

Call our helpline +91 48903009 or use the Self-i App to register a claim.

Step 2

Visit any of our network hospitals or approved non-network hospitals for treatment. Use the cashless network hospital locator widget below to find your nearest hospital.

Step 3

Submit pre-authorisation form within 24 hours for emergency or 48 hours before planned treatment.

Step 4

Provide all required medical reports and bills directly to the hospital staff.

Step 5

We will settle your medical bills directly with the hospital without payment.

Reimbursement Claims

Step 1

Inform us about your claim via helpline, email, or our Self-i App.

Step 2

Visit any authorised hospital of your choice and receive the required medical treatment.

Step 3

Pay all hospital bills and medical expenses upfront from your own pocket.

Step 4

Submit scanned documents within 7 days, including bills, reports and payment receipts.

Step 5

We will review your documents and reimburse the eligible medical expenses amount.

Key Takeaways

IndusInd General Insurance (formerly Reliance General Insurance) offers end-to-end medical protection to help citizens of Kerala overcome waterborne disease challenges, lifestyle diseases and rising healthcare costs. It enables you to avail quality medical treatments through a network of 10,000+ hospitals* with cashless and quick claims.

The plan premiums start at just ₹243 per month* with a coverage of up to ₹5 Crores*. So, whether you’ve met with a medical emergency or are undergoing planned treatment, you receive comprehensive coverage for a wide range of treatment procedures. We offer quick claim processing within 3 hours* through our Self-i app, which allows you to manage your policy and claims through your smartphone. Moreover, with a 99.57%* claim settlement ratio, you can focus on getting your treatment instead of worrying about the finances.

Medical emergencies can arise at any time, anywhere. But with IndusInd Health Insurance (formerly Reliance General Insurance), you receive comprehensive protection, quality healthcare services, and complete financial security that does not damage your savings. With lifelong renewability, we ensure you enjoy continuous protection without age restrictions.

Relevant Links for Health Insurance

While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs. Also, an employer health insurance covers you only during your job tenure.

Reliance Health Gain Policy

Health Insurance Plans For Family

Health Insurance For Senior Citizens

Health Insurance Premium Calculator

Health Insurance For Parents

Critical Illness Insurance

Maternity Insurance

Personal Accident Insurance

Cashless Health Insurance

Arogya Sanjeevani Policy

Super Top Up Health Insurance

Group Mediclaim Policy

International Health Insurance

Health Insurance For Kids

Individual Health Plans

Insurance For Disabled

Reliance Health Infinity Insurance

Saral Suraksha Bima

Hospi Care Insurance

Health Insurance for Top Locations

Health Insurance In Hyderabad

Health Insurance In Chennai

Health Insurance In Mumbai

Health Insurance Pune

Health Insurance Kolkata

Health Insurance In Jaipur

Rajasthan Health Insurance

Health Insurance Noida

Health Insurance Chandigarh

Health Insurance West Bengal

Reliance General Insurance

Aapke Protection ka All-rounder

Reliance General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

View All

Asset-Herausgeber

Homepage alternate CX

Asset-Herausgeber

Frequently Added Questions (FAQs)

Will claim reimbursement be made in foreign currency?

No, all reimbursements are processed in Indian Rupees, based on the exchange rate applicable on the date of the incident or billing.

What should I do in case of lost passport or baggage?

File a police complaint at the local station and obtain a report. Also, inform the airline (for baggage loss) and file a PIR. These reports are needed for claim processing.

How do I track the status of my claim?

Claim status can be tracked via the Reliance customer portal or by contacting the claims assistance helpline with your reference number.

How long does it take to settle a claim?

If all documents are in order, most claims are settled within 10 to 15 working days. Complex cases may take slightly longer.

What is the time limit to report a claim?

Claims should be reported within 24–48 hours of the incident. Delay in notification may impact claim approval unless a valid reason is provided.

What documents are needed for a reimbursement claim?

You must submit the filled claim form, original hospital bills, medical reports, passport copy with visa stamps, boarding pass, and any other relevant documents.

What is Senior Citizen Travel Insurance?

Senior Citizen Travel Insurance is a specially designed policy that provides financial protection to individuals above 61 years of age when travelling abroad. It offers coverage for medical emergencies, hospitalisation, baggage loss, trip delays, and more, ensuring peace of mind during international travel.

Who is eligible for this policy?

Any Indian citizen aged 61 years and above can purchase this policy. It is suitable for both solo senior travellers and those travelling with family members.

Why is travel insurance important for senior citizens?

With advancing age, the risk of medical complications increases. This policy ensures that senior travellers are protected from high medical costs abroad, and provides additional coverage for travel-related contingencies like missed flights or lost baggage.

Is any medical test required before policy issuance?

A medical test may be required for applicants above a certain age or with disclosed health conditions. In most cases, a tele-underwriting process is followed to assess eligibility.

Can a family member buy the policy on behalf of a senior citizen?

Yes, a family member can assist with the purchase as long as accurate information is provided. The policy must still be issued in the name of the senior traveller.

Can the policy be purchased at the last minute?

Yes, the policy can be bought even on the day of travel, provided the trip hasn’t started. However, it is advisable to purchase the policy in advance to avoid last-minute technical issues.

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.

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: 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.

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).

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 UIN: The details mentioned above are for Reliance Health Super Top Up. UIN- RELHLIP21617V012021.

Heath Global UIN: Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324