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Known for its top private hospital, Ernakulam offers quality healthcare and is well-known for its facilities. However, the burden of communicable diseases and high out-of-pocket expenses has made health insurance necessary.
Reasons to Choose Care Health Insurance?
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Often referred to as the busiest port of Kerala, Ernakulam is widely recognised for its scenic beauty, cultural diversity and modern architecture. Last year, it recorded 4,429,899 tourist arrivals- the highest in the state. Its roots trace back to ancient times, when it was part of Cochin, serving as a trading hub for spices such as pepper and cardamom.
Over the years, the city has seen rapid economic growth that has gone hand in hand with the development of healthcare facilities. Today, Ernakulam is home to some of Kerala’s most reputable hospitals, including Aster Medcity, Amrita Institute of Medical Sciences (AIMS and Lakeshore Hospital.
With this impressive healthcare ecosystem, the city has become a preferred destination for quality healthcare. But medical costs are higher, especially in private hospitals. As a result, having health insurance is essential for managing out-of-pocket expenses.
Take a look at the estimated treatment costs of major illnesses in Ernakulam:
| Disease | Specific Illness | Treatment | Cost |
|---|---|---|---|
| Cardiovascular Diseases | Coronary Artery Disease | Bypass Surgery (CABG) | ₹3 – ₹6 lakh |
| Cancer | Breast/Lung Cancer | Chemotherapy & Surgery | ₹10 – ₹30 lakh |
| Kidney Disorders | Chronic Kidney Disease | Dialysis / Transplant | ₹5 – ₹12 lakh |
| Lifestyle Diseases | Diabetes Complications | Medications and Hospitalisation | ₹2 – ₹5 lakh |
Note: These are only approximate costs and may vary depending on the type of hospital, doctor's fees, and the severity of the disease.
Below are the types of health insurance plans you can choose from, depending on your coverage needs and healthcare goals.
| Type | Description |
|---|---|
| Individual Health Insurance | Covers the medical expenses of an individual with a dedicated sum insured. |
| Family Floater Health Insurance | Covers the entire family under one plan with a shared sum insured. It is suitable for families with fewer medical needs. |
| Senior Citizen Health Insurance | Designed for individuals 60 years and above, covering age-related illnesses and higher medical risks. |
| Critical Illness Insurance | Covers treatment expenses of life-threatening conditions such as cancer, heart attack and stroke. |
| Personal Accident Insurance | Covers medical expenses arising from injuries, disability or death caused by accidents. |
Here are the most suitable plans that Ernakulam’s residents can consider:
| Products | USPs | Who should buy it? |
|---|---|---|
| Critical Illness Insurance |
|
Individuals and families seeking global coverage for critical illnesses, and those who value benefits such as annual health checkups and OPD coverage. |
| Care Supreme |
|
Individuals and families seeking extensive coverage without limits and enhanced benefits, such as wellness rewards. |
| Ultimate Care |
|
Individuals who want maximum coverage for medical expenses and those who wish to waive their waiting period for pre-existing conditions. |
When deciding on a suitable coverage amount in Ernakulam, it’s important to consider factors such as your age, family size, medical history, medical inflation, and disease prevalence in the city.
In Ernakulam, even a single general hospitalisation can easily amount to lakhs. Considering this, a coverage amount of ₹10–15 lakh for individuals is recommended to manage rising healthcare expenses. For families, opting for a floater plan with a sum insured between ₹15–25 lakh will offer better financial protection and ensure adequate coverage for all the family members under one plan.
Below are the aspects covered and exclusions in our health insurance plan in Ernakulam and other cities:
Here are some reasons why Care Health Insurance can be your ideal choice:
Depending on the type of hospital where you took the treatment, you can file two types of claims in Ernakulam. The steps for each of them are mentioned below:
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Get admitted to any of our network hospitals. | Settle the hospital bill upon discharge. |
| Fill out the pre-authorisation form at the hospital’s TPA desk and forward it to our claims team. | Collect relevant documents such as hospital bills, discharge summary and prescription. |
| Our team will review your request and might ask for additional documents if needed. | File a refund request and attach these documents to the form. |
| After verifying your documents, they’ll issue an approval letter. | Our claims team will review your claim and send its approval. |
| Your bill will be directly settled with the network hospital, subject to the policy terms and conditions. | Claims will be refunded to your bank account. |
Upon the expiration of your policy tenure, you’re supposed to renew it to receive continuous coverage. Here’s how you can seamlessly renew your policy:
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Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
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It is advisable to buy health insurance at a younger age, preferably in your 20s or early 30s, as lower premiums and shorter waiting periods are also easier to complete before health issues arise.
Yes, pre-existing diseases are usually covered after a 2-year waiting period. However, this can be reduced with add-on benefits such as instant cover and PED wait period modification.
Medical inflation increases treatment costs over time, making it essential to choose a higher sum insured to ensure adequate financial protection against future expenses.
Yes, you can increase your coverage later, at the time of policy renewal.
Yes, you can avail tax deductions under Section 80D of the Income-tax Act for health insurance premiums.
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Disclaimer:^Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of Dec 2025
**Number of Claims Settled as of Dec 2025
*The Premium Payback benefit refunds the first-year base premium after each block of 5 consecutive claim-free years.
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