best health insurance in kerala,
By Okbima 29 Apr 2024 13

Best Health Insurance In Kerala: Coverage, Health Statistics & Problems

 

Best Health insurance in Kerala is necessary to ensure the well-being of individuals and families. There are many health insurance providers in Kerala which offer comprehensive coverage to meet the needs of the people. In this blog, we have mentioned Kerala health statistics & problems, why you need health insurance & how much coverage.

 

Kerala Health Statistics

There are so many health problems in Kerala such as diabetes, heart disease, etc, which we can understand better with some health statistics.

  • Kerala has the highest rate of diabetes in India.

  • Because of Heart disease more than 40% of people die in Kerala.

  • In Kerala, the prevalence of heart disease is 19.9%.

  • In Kerala, there are approximately 974 women and 913 men per million who have been diagnosed with cancer.

  • Breast cancer is the most common type of cancer in Kerala women.

  • In Kerala, prostate cancer is the most common type of cancer among men.

  • Kerala people have the highest cholesterol levels in India.

  • Approximately 48.5% of households in Kerala lack coverage for any member under a mediclaim policy.

 

Disclaimer: We have taken data from the Internet that can vary.

 

Health Problems In Kerala

Kerala has many health problems such as dengue fever, chikungunya, diabetes, cancer, heart disease, hypertension, etc.

  • Dengue Fever: Dengue fever is a mosquito-borne viral infection that can cause flu-like symptoms and in rare cases, lead to life-threatening complications.

  • Chikungunya: Chikungunya is a viral disease transmitted to humans by mosquitoes, causing fever and severe joint pain.

  • Leptospirosis: Leptospirosis is a bacterial infection that can be transmitted through contact with water or soil contaminated with the urine of infected animals.

  • Diabetes: Diabetes is a condition that impacts the way your body manages blood sugar levels.

  • Hypertension: Hypertension is a chronic medical condition, which can increase the risk of heart disease and stroke.

  • Heart Disease: It is the leading cause of death worldwide, with risk factors including high blood pressure, high cholesterol, smoking, and a sedentary lifestyle.

  • Cancer: Cancer is a group of diseases that has uncontrolled cell growth and the potential to spread to other parts of the body.

 

Get Covered & Stay Protected: View Health Insurance Plans!

 

Is Government Health Insurance Enough To Cover Medical Expenses In Kerala?

No, government health insurance plans in Kerala are not enough to cover medical expenses for everyone. The Government Of Kerala launched the Karunya Arogya Suraksha Padhathi (KASP) scheme in 2020 to provide medical insurance of Rs. 5 lakhs per family, which can not be suitable for everyone. 

 

Aspect

Karunya Arogya Suraksha Padhathi (KASP)

Private Health Insurance

Coverage

Provides coverage for specified treatments & procedures as per government guidelines.

Coverage varies depending on the plan & insurer, from basic to comprehensive.

Premium

Subsidized premium rates based on income level.

Premium rates depend on factors such as age, health condition, coverage amount, etc.

Network Hospitals

Offers a network of government & empanelled private hospitals.

Offers many wide network of hospitals & clinics, including both government & private facilities.

Pre-existing Conditions

Coverage may be available for pre-existing conditions as per scheme guidelines.

Coverage for pre-existing conditions may vary & involve waiting periods or higher premiums.

Claim Process

Generally straightforward, with claims processed through government platforms.

The claim process may vary between insurers but involves submitting documents to the insurer for reimbursement.

Exclusions

Some specialized treatments or procedures may not be covered.

Exclusions vary by plan & insurer but may include cosmetic procedures, alternative treatments, etc.

Additional Benefits

May offer additional benefits such as transportation allowance for patients.

Additional benefits may include wellness programs, maternity coverage & critical illness coverage, depending on the plan.

Accessibility and Availability

Accessible across Kerala, especially in government hospitals.

Availability depends on the insurer's network & may vary in different regions.

Renewability

Renewable annually with continued eligibility.

Renewable annually, but terms may vary by insurer & plan.

Overall Affordability and Value

Offers affordable healthcare to low-income families but may have limitations on coverage.

Offers many plans catering to different needs & budgets, with varying levels of coverage.

Government Support

Supported by the Kerala government.

No direct government support, but regulated by the government.


 

Why Do You Need The Best Health Insurance In Kerala?

You need the best health insurance in Kerala for many reasons such as protection against medical bills, access to quality healthcare, precaution against medical emergencies, etc.

  • Protects Against Medical Bills: Health insurance offers financial protection by covering the cost of medical treatments & hospitalizations.

  • Access to Quality Healthcare: With the best health insurance in Kerala, you can access a network of hospitals and healthcare providers, ensuring timely and quality medical care when needed. 

  • Precaution Against Medical Emergencies: In case of unexpected medical emergencies or accidents, having health insurance can provide peace of mind knowing that medical expenses will be covered.

  • Encourages Preventive Care: Health insurance plans cover preventive care services such as vaccinations, screenings, and check-ups. 

  • Mandatory Requirement: In Kerala, health insurance is mandatory for certain categories of individuals, such as government employees and workers in the organized sector. You may have to pay penalties if you do not have health insurance.

  • Tax Benefits: The Indian government offers tax deductions under Section 80D of the Income Tax Act for health insurance premiums.

 

Peace Of Mind Starts Here: Get A Free Health Quote Today!

 

How Much Health Insurance Coverage Do You Need?

Health insurance coverage sum assured amount depends on many factors such as annual income, medical history, age, hospital preference, etc.

  • Annual Income: You should have coverage of at least 50% of your annual income. For example, with a Rs. 20 lakhs income, you can have a Rs. 10 lakhs policy.

  • Medical History: Pre-existing conditions or a family history of illnesses might need higher coverage to manage future healthcare needs.

  • Age: Younger individuals can have lower coverage, but higher medical costs can reduce your sum assured amount. So, you should have a high sum assured health insurance coverage.

  • Hospital Preference: If you prefer treatment at private hospitals, which can be more expensive, you'll need higher coverage compared to getting for government hospitals.

  • Family Coverage: If you want to include your family in the plan (spouse, children, parents), you'll need to have higher sum assured coverage.

 

Find The Right Plan For You & Your Family: Compare Options Online!

 

Why Choose Okbima For The Best Health Insurance Plans?

There are many reasons to choose Okbima for the health Insurance plans such as comprehensive coverage options, affordable premiums, excellent customer service, etc.

  • Comprehensive coverage options: Okbima offers the best health insurance plans for different needs and budgets. Whether you're looking for a basic plan or comprehensive coverage, Okbima has you covered.

  • Affordable premiums: Okbima understands that affordable premiums are important to consumers, which is why we offer competitive rates for our health insurance plans.

  • Excellent customer service: Okbima is committed to providing excellent customer service to its policyholders. We have the best team which is knowledgeable, friendly & always ready to assist you with any questions.

  • Easy claims process: Okbima makes it easy to file claims and receive reimbursement for medical expenses. Our claim process is efficient and hassle-free, saving you time and stress.

 

Read More:

Best Health Insurance Plans in India 2024: Coverage, Network Hospitals & CSR

Best Health Insurance Companies In India 2024: CSR & Network Hospitals

Best Family Health Insurance Plans in India 2024

How Many Types of Health Insurance Plans In India?

Best Senior Citizen Health Insurance Plans in India 2024

 

Conclusion

In conclusion, the best health insurance in Kerala is important for better health however, there are still challenges such as low awareness and availability of insurance schemes, especially in rural areas. To address these issues, there is a need for increased awareness campaigns and more accessible insurance options to ensure that all residents in Kerala can access quality healthcare services. For the best health insurance plans, you can contact “Our Experts”. 

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