Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Located on the Malabar coast of Kerala, Kannur is a beautiful city widely known for its vibrant culture, beaches and rich colonial heritage. Over the years, the city has transformed from a historically significant trading centre into a rapidly developing urban hub in northern Kerala.
Certain developments, including the establishment of Kannur International Airport in Mattannur, improved road connectivity and the growth of tourism, education and healthcare, significantly contributed to the city’s growth. Kannur is home to reputed healthcare institutions such as Government Medical College, Aster MIMS Hospital, and AKG Memorial Co-operative Hospital, which provide advanced medical care and specialised treatments to residents across North Kerala.
As access to advanced medical facilities has increased, the cost of medical treatments and hospitalisation has also grown. In such a scenario, having health insurance becomes an essential safety net against medical emergencies.
Note: These are only approximate costs and might vary depending on the hospital, patient condition and treatment type.
The table below shows the estimated treatment costs of major illnesses in Kannur:
| Disease | Specific Illness | Treatment | Cost |
|---|---|---|---|
| Cardiovascular Diseases | Heart Attack Coronary Artery Disease |
Angioplasty or Bypass Surgery | ₹2,50,000 – ₹6,00,000 |
| Cancer | Breast Cancer/ Lung Cancer | Surgery, Chemotherapy, Radiation Therapy | ₹2,00,000 – ₹10,00,000+ |
| Kidney Disease | Chronic Kidney Disease | Dialysis | ₹20,000 – ₹40,000/month |
| Kidney transplant | ₹6,00,000 – ₹12,00,000 | ||
| Neurological Conditions | Stroke | Emergency treatment, surgery, rehabilitation | ₹1,50,000 – ₹5,00,000 |
| Vector-borne Diseases | Dengue Fever | Hospitalisation, IV fluids, platelet monitoring | ₹30,000 – ₹1,00,000 |
| Lifestyle Diseases | Type 2 Diabetes | Medication and insulin therapy | ₹20,000 – ₹1,50,000 per year |
Note: These are only approximate costs and might vary depending on the hospital, patient condition and treatment type.
Below are the types of health insurance plans you can choose from, depending on your healthcare requirements:
| Type | Description |
|---|---|
| Individual Health Insurance | Covers medical expenses of an individual, from pre and post hospitalisation to medications. |
| Family Floater Health Insurance | Covers medical expenses of an entire family under a single sum insured. |
| Senior Citizen Health Insurance | Specifically designed for 60+ individuals, this plan provides financial backup against age-related illnesses. |
| Critical Illness Insurance | Treatment expenses of life-threatening diseases such as stroke and brain tumours. |
| Personal Accident Insurance | Provides financial protection against injuries, disabilities, and deaths caused by accidents. |
Here are some of our health insurance plans that you can consider in Kannur, according to the disease prevalence in the city
| Products | USPs | Who should buy it? |
|---|---|---|
| Critical Illness Insurance | 32 critical illnesses covered, Annual Health Check-up, Ambulance Cover, Global & OPD Coverage | Individuals and families seeking financial protection against critical illnesses, and those who value benefits such as an annual health check-up and global coverage. |
| Care Supreme | Unlimited Automatic Recharge, Wellness Benefit, Cumulative Bonus, No sub-limits/capping on treatments | Individuals and families seeking a plan that offers unlimited sum-insured top-ups for recurring hospitalisations, and those who value wellness rewards. |
| Ultimate Care | Unlimited Care, Loyalty Boost, Premium Payback, Instant cover | Individuals and families seeking a plan that offers maximum financial protection, with benefits including instant cover and loyalty rewards like loyalty boost and premium payback. |
The health insurance coverage you need in Kannur depends on factors such as your age, number of dependents, medical inflation and disease prevalence in the city. Treatment of major illnesses and surgeries at reputed hospitals in Kannur can cost several lakhs, making adequate coverage necessary.
For individuals, a coverage amount of ₹5–10 lakh can help cover common hospitalisation expenses. Whereas, for families choosing a family floater plan with a sum insured of ₹10–25 lakh or more can offer better protection against the rising cost of private healthcare in the region and unexpected medical emergencies.
Health insurance in Kannur covers treatment, diagnostics, and prevention, helping to lower costs. Understanding what is included and excluded enables patients to make informed decisions and avoid unexpected expenses.
Let’s know the aspects covered in our health insurance in Kannur:
Like all insurance policies, health insurance plans in Kannur also have certain exclusions that policyholders should be aware of. These include:
Note: Refer to the policy documents for the complete list of coverage
Let us give you some valid reasons for choosing Care Health Insurance as your insurer
Here’s how you can file both cashless and reimbursement claims in Kannur and other cities, depending on the type of hospital you get admitted into:
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Get admitted to a network hospital. | Pay the hospital bill at the time of discharge. |
| Fill out the pre-authorisation form at the hospital’s TPA desk and forward it to our claims team. | Submit the completed claim form along with original hospital bills, discharge summary and prescription. |
| Our team will review the request and might ask for additional documents if needed. | Our claims team will review your request and documents and send the approval. |
| After approval, the hospital bill will be directly settled with the network hospital, subject to the policy terms and conditions. | The claim amount will be reimbursed to your bank account, subject to the policy terms and conditions. |
To continue availing the policy benefits, you’re supposed to renew the policy after the expiration of its tenure. Here’s how you can do the same:
Step 1: Go to our official website.
Step 2: Click on the ‘Renew’ option available at the top-right corner of the page.
Step 3: On the renewal page, enter the required details such as your registered contact number and policy number.
Step 4: Check and confirm your policy details before proceeding with the renewal.
The minimum age to buy health insurance in Kannur is 18 years, while children can be covered under family floater plans.
Before purchasing health insurance in Kannur, you should consider factors such as the sum insured, network hospitals, waiting periods, exclusions, coverage benefits, claim settlement process and add-ons like annual health checkups.
Yes, you can buy health insurance in Kannur online. If you buy one of our health policies online, you become eligible to receive 5% digital discount.
Yes, you can add your family members, such as your spouse, children or parents, to an existing policy during policy renewal, subject to policy terms and conditions.
Yes, NRIs or individuals living outside Kannur can buy health insurance for their family in Kannur. Under our Ultimate Care plan, we offer 15% premium discount on purchasing NRI health insurance.
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Claims Settled Since Inception**
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Cashless Healthcare Providers^^
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^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.