When it comes to selecting the best family health insurance policy in Kerala, there are many factors to consider. First, you need to determine what kind of coverage you are looking for and how much you can afford. You’ll also want to compare the different policies from different companies to make sure you’re getting the best deal.
In Kerala, New India Assurance, Star Health and Allied insurance, and Apollo Munich are some of the most popular family health insurance policies. They all offer comprehensive coverage at competitive rates. The coverage includes hospitalisation expenses, pre and post-hospitalisation expenses, day care procedures, domiciliary treatment, overseas treatment, and out-patient care.
New India Assurance offers a family health insurance policy called Family Asuraksha, which provides coverage up to Rs. 5 lakhs. It also offers add-on plans like Personal Accident cover and Critical Illness cover. Star Health and Allied Insurance’s Family Health Optima policy offers coverage up to Rs. 10 lakhs, and Apollo Munich’s Optima Restore policy provides coverage up to Rs. 10 lakhs too.
Each policy has its own benefits, so it’s important to compare them carefully. One thing to keep in mind is that some policies may have higher premiums, so you’ll need to make sure that the added coverage is worth the extra cost. Other factors to consider include the policy’s waiting period, claim settlement ratio, and the level of service they provide.
Overall, it is important to research the different policies available in Kerala before making your decision. It’s also a good idea to compare quotes online and contact the respective companies to make sure that you’re getting the best deals possible.