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Insurance for Everyone Starting at ₹21/day^

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  • Individual & Family Health Insurance
  • 1 Crore Health Insurance Plan
  • Health Insurance for Senior Citizen
  • Health Insurance for Diabetes, High B.P or BMI
  • Maternity Insurance Plan
  • Super Top-up Plan
  • Health Insurance for Heart Patients
Kerala is a beautiful state in southern India, known for its excellent health infrastructure. It is also famous for offering Ayurvedic medical treatment facilities for centuries. People from far and wide come here for availing quality medical care. Moreover, the government focuses its efforts on providing affordable healthcare to its citizens and controlling communicable and non-communicable diseases. There is no shortage of good healthcare centres in Kerala, which have advanced facilities and qualified medical professionals. There are numerous renowned private hospitals, government-run hospitals, dispensaries, district hospitals, speciality hospitals, etc. 
However, as people lead a hectic life, the possibility of health problems also increases. The state recently witnessed the spread of bird flu. Medical emergencies occur without any warning signs. Besides, ailments such as cancer, diabetes, cardiovascular diseases, etc., affect millions of people across the country, including Kerala. Moreover, medical inflation has made people worried. Hence, getting the best health insurance is a wise decision. Besides, the cashless mode of treatment offers a lot of advantages. Care Health Insurance has several cashless network hospitals in Kerala. Choose the cashless treatment facility at any of these network hospitals and stay worry-free about paying medical bills. 

The Need for Health Insurance in Kerala

People living in the cities lead a fast-paced life. Thus, they have become prone to various lifestyle disorders like obesity, leading to severe complications, especially without proper medical care. Also, vehicular and industrial pollution has given rise to respiratory illnesses such as asthma. To receive medical treatment, even for a minor ailment, families spend a lot of money. It can result in severe financial implications. By choosing the best health insurance, people in Kerala can get a safety cushion for their hard-earned savings. Health policies will take care of hospitalization and related medical expenses. Additionally, they have other benefits such as annual health check-ups for timely diagnosis of ailments, cover for alternative treatment, etc. 

Cashless Treatment

Cashless payment methods are gaining significance owing to the convenience they offer. In health insurance, too, there is an option of a cashless treatment facility. Medical emergencies such as hospitalization can be stressful for a family. Many health insurers like Care Health Insurance offer cashless facility wherein the policyholder is not required to make any payment from his or her pocket. It helps minimise the burden of paying medical bills.  The insurer directly pays the hospital on behalf of the insured person, subject to policy terms and conditions. The cashless facility is available only at the empanelled network hospitals of the insurer. 

Tips to Consider Before Buying Health Insurance in Kerala

Healthcare needs vary from one individual to another, even within the same family. So, when buying the best family health insurance in Kerala, one should consider certain vital factors as mentioned below:
  • Assess your insurance needs based on age, medical conditions, number of members in a family, etc.
  • Decide on the right sum insured so that you get sufficient coverage for your major medical expenses
  • Find out if there are network hospitals of the insurer near your location
  • Choose a policy having features like lifetime renewability, annual health check-ups, etc.
  • Remember to read the policy exclusions, waiting period, sub-limits, etc.
  • Choose a health insurer with the best claim settlement ratio
Click to know about Care Health Claim Settlement Ratio

How to Avail Cashless Treatment in Kerala?

To avail cashless treatment at any network hospital in Kerala, the policyholder should adhere to the steps as mentioned below:
  • Choose any network hospital in Kerala for medical treatment
  • Inform us about the hospitalization as per the time specified
  • Submit the duly-filled pre-authorization form at the hospital insurance desk
  • Provide all the supporting documents and health card
  • Upon verification of documents, the claim management team sends an approval
  • The team may raise a query if there is any information deficiency
  • After approval, we will settle the hospital bill based on the policy terms and conditions
The policyholder should notify the insurer within 24 hours in case of emergency hospitalization and 48 hours before admission in case of planned hospitalization.
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  • Comprehensive Health Insurance
  • Annual Health Check-up

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Care Product

Care Freedom

  • Health Insurance without Pre Medical Check-ups
  • Suitable for Diabetes, High BP and B.M.I

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Care Freedom Product

Care Senior

  • Senior Citizen Health Plan
  • No Pre-policy medical check-up

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Care Senior

Care Heart

  • Health Insurance for Heart Patients
  • Pre & Post Hospitalization Medical Expenses

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Care Heart


  • Super Top-up Insurance
  • In-Patient Care

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Care Enhance


  • Maternity Cover
  • New Born Baby Cover

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Care Joy

List of Cashless Network Hospitals in Kerala

Name Address City State Pincode Map

Voice of our Customers

Sulbha Ravindra

review The customer support is really good and fast. It made the experience of buying a family health insurance plan really hassle-free

Ganesh Kumar

review Good customer service by Nadeem ! Prompt answers to all the queries related to family health insurance product

Gopinathan Pillai

review It was an awesome experience. I have purchased my family health insurance policy using the app in 10 minutes. The app is so smooth. Keep it up.

Avinash Tiwari

review Hassle Free insurance buying process. Highly Recommend Care

Priyanka Singh

review Excellent health insurance plan! Covers annual health check-up for all family members

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.

Best Health Insurance Company of the year

Best Health Insurance
Company of the year*


38 Lakh+ Claims Settled**



**Number of claims settled as of 30th June 2023       *India Insurance Summit & Awards 2023

Benefits of Health Insurance

Medical insurance has become vital due to the steady rise in healthcare costs and provides the much-needed financial cushion. Choose the best family health insurance in Kerala and get benefits such as: 

Click here to know more about health insurance tax deductions

Why Should You Choose *Care Health Insurance Company in Kerala?

Care Health insurance is among the top health insurance companies in Kerala and a preferred choice for many health insurance buyers. CHI provides a wide range of policies that suit the medical needs of every family. Moreover, it has settled over 38 lacs claims.

Are you seeking health insurance agents in Kerala for buying health cover for your family? Then, you can relax as Care Health insurance is your one-stop solution. Visit the official website and get quick details about the various health policies. Review the policies and buy the best health insurance through a simple online procedure. Furthermore, paying the premium online and tracking claim status can be done in a few clicks. Get cashless health insurance for reducing the burden of paying hospital bills and get access to 9747+ cashless network hospitals. You can reach out to the customer care team for any query and get assistance at every step.

Choose the best health cover for your family today, and stay secured with our afforable family plans.


^^Number of Cashless Healthcare Providers as of 30th June 2023.

**Number of Claims Settled as of 31st May 2023

^Premium calculated for an individual (Age 18) for sum insured 5 Lakhs in Zone 2 cities.

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