Kerala is one of the most populated states in India and having a good health insurance plan is highly recommended for families living there. There is no one-size-fits-all answer to the question of which is the best health insurance plan for families in Kerala. It all depends on factors such as the age of family members, their health needs, and financial needs.
But, here are a few important points to consider while choosing the right health insurance plan for you and your family in Kerala:
Coverage offered: Look for a policy that offers coverage for a wide range of treatments, including major and minor treatments, inpatient and outpatient coverage, and coverage for pre-existing ailments.
Sub-limits: Check if the policy has any sub-limits, or a ceiling on various components of the coverage.
Consolidated limit: Look for a plan with a higher consolidated limit, so that you don’t have to worry about running out of coverage in the middle of a medical emergency.
Co-payment: Make sure the policy does not have any co-payment clause, as this would help you in saving money on your medical bills.
Cashless Treatment: Check if the policy you are considering offers cashless treatment, as this is a great way to reduce the cost of medical emergency.
Network Hospitals: Look for a policy with wide-ranging network of hospitals in Kerala, so that you can avail treatments in the hospital of your choice.
Renewability: Go for a health plan that is renewable and offers lifelong renewability.
Finally, compare and analyze various plans, read reviews and customer feedback, and shortlist a few plans that meet your needs. Then, decide which one is the right one for you and your family.
Some of the best health insurance plans offered in Kerala include Max Bupa Health Companion, Apollo Munich Optima Restore, Bajaj Allianz Family Floater Mediclaim, Star Health Comprehensive Insurance, among others. See the comparison of various health insurance plans in India here: [https://www.policybazaar.com/health-insurance/]
Hope this helps!