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Protect your family's health with reliable and affordable health insurance plans tailored for Kerala’s residents. Enjoy cashless treatments across top hospitals, quick claims, and full coverage for medical emergencies. Secure peace of mind with the right health coverage today!
Network of 10,400+ cashless Hospitalisation
30 Mins Cashless Claim Policy
1.4 Crore+ Happy customers
Why Choose Niva Bupa?
Trusted by over 1.4 crore+ happy customers, Niva Bupa (formerly known as Max Bupa Health Insurance) provides a wide range of health insurance plans to suit every need
30 min
Cashless Claim Processing 1
15 Lakh+
Claims paid since inception 2
1.4 Crore+
Happy customers served till date
Custom Health Insurance Plans designed for You
A plan that rewards you for starting young
Starts from
₹8,6321
Annual Premium
₹5,00,000
Sum Insured
- Lock the age, pay premiums as per entry age till you claim
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Maternity coverage including IVF, Adoption and more
- Use and get back your base coverage. Unlimited times and forever
Nothing Seems Impossible. The Most Comprehensive health insurance plan.
Starts from
₹7,8212
Annual Premium
₹5,00,000
Sum Insured
- Save as you age. Pay as per entry age, until you claim.
- Use and get back your base coverage. Unlimited times and forever.
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Up to 30% discount on renewal premium basis step count
A Health Insurance Plan that works your way
Starts from
₹4,8043
Annual Premium
₹5,00,000
Sum Insured
- Pay Apne Hisaab se! Flexible or One Time. Sooner the payment, higher the discount
- Get 50% of your premium back, accumulate it, and even get 10% bonus for life. No waiting periods or exclusions on this amount.
- Get ₹5,000, if treatment taken in any Govt. hospital and claim not paid under this policy
- Access unlimited digital consultations with general physicians through our mobile app.
A comprehensive health insurance plan,with coverage for you and your family according to your needs and lifestyle.
Starts from
₹11,5714
Annual Premium
₹5,00,000
Sum Insured
- Comprehensive coverage up to ₹3 Cr
- In-built travel insurance coverage for multiple trips in a year
- Modern Treatments coverage
- Maternity (worldwide) and new born baby cover
The Smart Health Insurance Plan with Smart Feature to keep your family protected
Starts from
₹11,7755
Annual Premium
₹5,00,000
Sum Insured
- No Room Rent Capping
- Modern Treatments Covered up to Sum Insured
- Hospitalisations of 2 hours or more covered
- One time refill of Base Sum Insured, even for same illness.
Key Benefits of Health Insurance Plans in India
There are several benefits one can enjoy while purchasing the best health insurance in India.
Cashless Medical Treatment:
In the domain of the best health insurance, each insurer offers a wide network of hospitals in Kerala. So, if you find yourself admitted to any of these esteemed partnerships with a vast network of empanelled hospitals,you can bid farewell to worries about payment. Simply present your policy number, and your insurer and the hospital will shoulder all your expenses. Cashless claims reign supreme in health insurance policies, owing to their seamless process that eliminates hassles related to claim disbursement and tedious documentation.
Quick Links
Network Hospital
Find hospitals near you that are covered under our insurance network for hassle-free cashless treatment
Family Health Insurance
Get comprehensive coverage for your entire family under a single health insurance plan.
Claim Settlement Ratio
Check our track record for successfully settled claims, ensuring peace of mind when you need it most.
Premium Calculator
Calculate your insurance premium easily to choose a plan that fits your budget.
Best Insurance Plans
Explore our top-rated insurance plans that offer extensive benefits for various healthcare needs.
How does Our Claim Process work?
Get to know the steps involved in the claim process, Whether it is a planned or emergency hospitalisation. Filling a claim is made easy by choosing any of the following ways:
Hospital Admission:
Get admitted to a Niva Bupa network hospital in Kerala.
Identification:
Present your Niva Bupa Health Card or policy number along with valid ID (Passport/PAN card/Voter’s ID) to the hospital staff.
Pre-authorisation:
The hospital will verify your details and submit a pre-authorisation request to Niva Bupa.
Niva Bupa Confirmation:
After verification, Niva Bupa will confirm coverage to the hospital via fax and email, and notify you by text and email, typically within 30 minutes of the request.
Final Settlement:
Upon completion of treatment and necessary formalities, the hospital will settle the claim with Niva Bupa according to your policy terms.
Why Do You Need Health Insurance in Kerala?
Healthcare in Kerala is amongst the best in the nation, but that does not mean that it's inexpensive. Even an overnight stay at the hospital or a simple procedure can run you thousands, at times even lakhs, more so in private hospitals. With emergency surgeries to specialist visits and recovery after the treatment, the bills can rack up quickly.
That's why possessing a health insurance policy in Kerala is not a luxury, but a need.
It's not merely about paying for unforeseen emergencies either. Most health insurance policies now include preventive care, annual check-ups, alternative therapies, and even mental care. With growing instances of lifestyle ailments such as diabetes, hypertension, and heart diseases, more individuals are understanding the value of being insured before it goes wrong.
No matter if you reside in a crowded metropolis such as Kochi or a minor district such as Wayanad, the truth is the same: healthcare costs money, and a strong insurance policy assists you in covering those expenses without spending it out of your savings or accumulating debt.
If you're a salaried employee, a student, or a retiree, you'll see that Kerala's top health insurance policies provide coverage, peace of mind, and in most situations, preventive wellness benefits to keep you healthier for longer.
How to Take Health Insurance in Kerala?
Let's walk you through it in easy steps so that you know how to take health insurance in Kerala.
1. Evaluate your needs
Begin at the basics: Do you need individual coverage or a plan covering your entire family? Maternity coverage? Any pre-existing diseases? This will narrow down the appropriate health insurance policy in Kerala.
2. Compare health insurance policies
Do not take the lowest premium for granted. See coverage benefits, hospital network, claim settlement process, and what exactly is included. Compare some health insurance policies in Kerala before making up your mind.
3. Seek a robust hospital network
If you're looking for cashless health insurance in Kerala, ensure that the insurer has tie-ups with good hospitals around you. Cashless treatment spares you the trouble of reimbursement and maintains a stress-free experience during emergencies.
4. Apply and provide documents
You’ll need to provide ID proof, address proof, age details, and sometimes medical reports (especially if you’re older or have known conditions). Most providers now offer digital onboarding — super easy and quick.
5. Review the terms and pay
Once everything is verified, you’ll receive your policy documents. Make sure to review details like exclusions, waiting periods, and renewal conditions. It’s better to know now than be surprised later.
Note: Read the policy document thoroughly, even if it's long. Highlight any fine print mentioning exclusions, sub-limits, and co-pay clauses.
Best Family Insurance in Kerala: What to Look Out For?
If you are insuring more than yourself, then a family floater policy can be cheaper and easier. But how do you choose the right health insurance plans for family in Kerala?
The following are some must-look features for the top health insurance plans for family in Kerala:
- Room rent restrictions: Some policies limit hospital rooms. See if it meets your requirements.
- Maternity & newborn insurance: If you're planning to have a bigger family.
- AYUSH treatment cover: Kerala has a rich heritage of Ayurveda. Several contemporary policies now cover AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homoeopathy).
- Critical illness cover: Chronic diseases such as cancer, kidney ailment, or heart condition can exhaust resources. A good policy should incorporate cover for this.
Most health insurance policies for family in Kerala are bundled with wellness benefits, teleconsultations, and preventive care, so don't just see the hospitalisation benefits.
How to Choose The Top Health Insurance Policies in Kerala?
Picking the top health insurance policies in Kerala is not about selecting the most talked-about one — it's about what works for your life.Here's what matters:
Renewability: Lifetime renewable policies are perfect, particularly as you get older.
Cashless hospitals: Make sure there are tie-up hospitals close to your home.
Pre & post-hospitalisation: Proper plans cover investigations, consultations, and medication before and after hospitalisation, not only the treatment or surgery.
Daycare procedures: Medical technology has evolved. A lot of treatments no longer require overnight stays. Check if your plan includes these.
It's worth paying a little extra for a policy that provides you with peace of mind, fast claims, and full coverage.
Health Insurance Claims
Discover the nearest network hospital through the Niva Bupa Health app for seamless cashless claims.
- Get your health insurance forms from the hospital, complete them, and submit them back. Required documents may include your policy number, photo ID, and other proofs.
- When we receive your documents, our internal claims committee will assess your claims based on treatment, documents, and coverage of the health insurance policy. In the rare event of rejection, you can appeal to our grievance team for a thorough review.
- Once your claims are approved, enjoy medical treatment without any upfront payments to the hospital, except for consumables or specific items/procedures mentioned in the exclusions charter.
- Upon discharge, we will carefully review your discharge summary and documents before processing the claim. Stay informed about your claim's progress at every stage through the Niva Bupa website. Rest assured, Niva Bupa aims to process cashless claims in 30 minutes or less, providing swift assistance.
Essential Features of Top Health Insurance Providers in Kerala
When buying health insurance from overseas, it's important to pay attention to the most important qualities that guarantee full coverage, reliability, and peace of mind for you and your family.
Customer-first philosophy: Simple claims, attentive support, multilingual services.
Tech-savvy process: Mobile apps, online renewals, and instant download.
Innovative offerings: Restoration benefits, health check-ups, fitness rewards.
Transparent pricing: No surprise charges, transparent breakdowns.
Flexible plans: Adjusting coverage as your family grows or your needs shift.
Selecting among the top health insurance providers in Kerala ensures that you receive trusted service, most importantly when it counts the most.
Documents for Health Insurance Claim Reimbursement
- Complete the claim form with your signature and proof of valid identity.
- A doctor's prescription recommends hospitalisation, diagnostic tests, and medications.
- Original invoices for pharmacy bills, indoor case papers, and ambulance receipts.
- Policy documents containing details of the insured, including name, address, and illness.
- Any additional documents deemed necessary for claim settlement are at our discretion.
How Cashless Health Insurance in Kerala Is a Lifesaver?
Nobody needs to be dealing with payment processing during a time of health crisis. Cashless health insurance in Kerala sees your insurer pay the hospital bill directly. You simply show your card or ID, and it all starts.This is a massive advantage in times of crisis. Kerala's best hospitals in cities and even towns are now part of these networks, so cashless health insurance in Kerala is the real game-changer.
Important advantages:
No out-of-pocket expenses at network hospitals
Rapid admission and discharge
Reduced paperwork
Peace of mind for your family
End Note
When it comes to health insurance, the right coverage is more than just an affordable option — it’s about ensuring peace of mind and security for both you and your family. Whether you're seeking individual protection or comprehensive family coverage, the ideal health insurance plans ensures you're covered for the unexpected.
We understand that finding the right plan can feel overwhelming, especially with so many options available. That’s why we offer a range of NRI health insurance India solutions designed to meet diverse needs, featuring affordable plans and an extensive hospital network. We're here to help you find the coverage that suits your lifestyle and provides complete protection when you need it most.
Frequently Asked Questions
Our Satisfied
Customers
Watch what our customers are saying. REAL STORIES with REAL IMPACT!
Vippan Kapur
It is unbelievable how Niva Bupa claim team came to my aid, Monday to Sunday no day off.
Meenakshi Khanna
Within few hours we got the claim number and in the next three days the amount was reflected in our bank account.
Vijay Kapoor
With the help of Niva Bupa Health Insurance, I was able to get my son treated without worrying about the high medical cost.
Diviay Chadha
Whenever we have filed for a claim with Niva Bupa, the process was very smooth and people were very helpful.
Parveen Singh
The Niva Bupa team was extremely helpful, be it day or night, someone was always available.
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