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Health Insurance in Kannur
Kannur is a district in the North of Kerala with a population of around 25.23 lakh (as per Census 2011) and a population of around 2.23 lakh (as per Census 2011) in the city. It is well known for its Theyyam ritual art and handloom industry, and also has a very important medical college under the government, known as Pariyaram Medical College Hospital, which is located in the north of Kerala. But Kerala has the highest prevalence of diabetes and hypertension in the country, the weaving community is at risk of health problems in the workplace, and the cost of treatment in private hospitals is increasing — health insurance is a must for all families.
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Why Do You Need Health Insurance in Kannur?
Health insurance in Kannur helps protect you and your family from the financial burden of hospitalisation, long-term treatments, and rising healthcare expenses.
6,51,00,000 Families have Trusted Policybazaar India No. of Claims Settled 8 Lakh Claim Amount Settled 4,007 Crore Kannur No. of Claims Settled 1 K Claim Amount Settled 7 Crore Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
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Handloom Industry and Occupational Health
Kannur is the handloom capital of Kerala and has been a renowned weaving industry in the country as per Handloom Export Promotion Council. Occupational hazards to weavers have been documented, which include musculoskeletal disorders, chronic back pain, eye strain, and dust from the thread causing respiratory complications, and long term care is increasingly becoming expensive without a health policy.
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Increasing Lifestyle diseases
Hypertension and diabetes are the highest burden disease in India, and this applies to the town of Kannur as well as the state of Kerala according to NFHS-5 data. These diseases require constant medication, laboratory tests and consultations with specialists, which without a health plan can be an expensive burden.
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Seasonal Infections and Monsoon Risks
Leptospirosis is a seasonal affair, as proved by the surveillance of Kerala Health Department, with Post-monsoon it being a big concern in Kannur. According to NVBDCP data, there is an annual report on Dengue cases. Both can rapidly worsen and lead to intensive care unit admission, and can result in high bills suddenly.
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Relentless Medical Inflation
The cost of medical inflation in Private hospitals is at 12-14% per year as per IRDAI. Today's price of ₹2 lakh for a procedure may double to ₹3.5 lakh after 5 years due to premiums.
Major Health Problems in Kannur
Kannur experiences a high burden of lifestyle diseases, seasonal infections, and chronic illnesses, making comprehensive health insurance an important financial safeguard.
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Hypertension
The prevalence of elevated blood pressure is the highest in Kerala with 47.3% of women and 37.7% of men suffering from hypertension (Source: NFHS-5, Kerala, 2019-21). When not controlled, it leads to stroke, kidney failure and heart disease.
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Diabetes
In Kerala, 25.5% of men and 18.8% of women have high blood sugar levels, which is the highest rate in India (Source: NFHS-5, Kerala, 2019–21). Individual health insurance plans may help cover the constant annual expenses of long-term care.
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Cardiovascular Disease and Cancer
Cardiovascular disease and cancer are one of the highest burdens of the disease in Kerala due to high hypertension and diabetic burden in the state, and cardiac procedures are priced at ₹3–8 lakh (Source: ICMR). In addition, Kerala has one of the highest rates of cancer in India (Source: NCRP/ICMR) and treatment expenses range from ₹5–25 lakh, making critical illness cover essential.
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Dengue and Leptospirosis
Every year, Kannur is reporting Dengue as per NVBDCP data and Post-monsoon Leptospirosis as per Kerala Health Department Surveillance, both can lead to admission to the Intensive Care Unit (ICU) and can bill you a lot of money at once.
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Obesity
Diabetes, heart disease, joint problems requiring long term specialist care – 36.5% of women in Kerala are overweight or obese (Source: NFHS-5).
Claims Settled for Major Health Conditions in Kannur
Cancer & Blood
Avg. claim ₹3 L
₹1 Cr
35 Claims
Injuries & Accidents
Avg. claim ₹74 K
₹94 L
126 Claims
Lungs & Breathing
Avg. claim ₹33 K
₹81 L
243 Claims
Maternity
Avg. claim ₹45 K
₹63 L
140 Claims
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Healthcare Costs in Kannur and Recommended Coverage
| Healthcare Need | Typical Treatment Cost | Recommended Coverage | Suitable Policy Type |
| Dengue, Leptospirosis & Infections | ₹30,000 – ₹1 lakh | ₹10 lakh+ | Individual or Family Floater Health Insurance |
| Diabetes & Hypertension | ₹20,000 – ₹75,000 annually | ₹10–15 lakh | Individual Health Insurance |
| Cardiac Procedures | ₹3 lakh – ₹8 lakh | ₹20 lakh+ | Comprehensive Plan + Critical Illness Cover |
| Cancer Treatment | ₹5 lakh – ₹25 lakh+ | ₹25 lakh+ | Health Insurance + Critical Illness Cover |
| Emergency ICU Admission | ₹1 lakh – ₹5 lakh+ | ₹20 lakh+ | Family Floater or Individual Plan |
| Senior Citizen Hospitalisation | ₹50,000 – ₹5 lakh+ | ₹20 lakh+ | Senior Citizen Health Insurance |
| Maternity & Newborn Care | ₹60,000 – ₹2.5 lakh+ | ₹15 lakh+ | Maternity Cover + Newborn Baby Cover |
Meitra Hospital ₹15 L MVR CANCER CENTRE and RESEARCH INSTITUTE ₹13 L Rajagiri Hospital ₹9 L Tellicherry Co Operative Hospital ₹8 L Baby Memorial Hospital ₹8 L KIMS Hospitals ₹7 L Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Claim Amount Settled for Top Hospitals in Kannur
Other Popular Hospitals
Major Hospitals in Kannur and Why Health Insurance Matters
| Hospital Type | Examples in Kannur | Services Available | Why Health Insurance Helps |
| Government Medical College | Pariyaram Medical College Hospital, Kannur | Super-specialties, surgery, oncology, emergency | Covers room rent beyond free treatment |
| Private Medical College | Kannur Medical College, Anjarakandy | General medicine, surgery, cardiology | Enables cashless hospitalization, reduces deposits |
| Government District Hospital | District Hospital, Kannur | General medicine, maternal health, emergency | Covers costs beyond free government treatment |
| Private Hospitals | Private hospitals, Kannur | Orthopaedics, critical care, ICU | Manages unexpected ICU expenses |
Always verify your preferred hospital is in your insurer's network hospital list before buying a policy.
How Much Coverage Do You Need?
- Individuals: Minimum sum insured in an individual health insurance plan of ₹10 lakh.
- Families: The family floater health insurance plan costs ₹25-30 lakh and is a single premium plan for family members.
- Senior Citizens: ₹20 lakh under a senior citizen health insurance plan in case of cardiac, kidney, orthopaedic disease etc. of old age.
Include history of cancer and heart disease as critical illnesses. Check for maternity cover and newborn baby cover, most insurance providers have a waiting period of 9-24 months. Premiums are eligible for tax benefit under Section 80D and it's ₹25,000 per account for individuals, ₹50,000 for senior citizens.
How to Buy Health Insurance in Kannur
- Know your needs:Determine your age, family size and any pre-existing disease before selecting a plan.
- Pick the right sum insured:The most important thing is to choose the correct sum insured: If you are planning coverage for a major surgery or long period of stay in the Intensive Care Unit, don't opt for the lowest premium.
- Compare carefully: Coverage, premiums per year, claim settlement ratio, portability.
- Verify network hospitals:Ensure that Pariyaram Medical College and Kannur Medical College are included in the list of network hospitals of your insurer for cashless hospitalization.
- Choose add-ons: Restoration benefit, No Claim Bonus, annual health check-up, day care treatment, ambulance cover, OPD cover, organ donor expenses, domiciliary treatment.
- Read the fine print: Make sure to read the waiting period, room rent sub-limits, co-payment, deductible and AYUSH treatment which is there. Check that it is a life-long commitment before signing.
- File a reimbursement claim if needed: Submit bills, discharge summary and documents within time frame for reimbursement as required.
Health Insurance for NRIs in Kannur
Kannur and northern Kerala are among the oldest communities of the Kerala diaspora in the UAE, Saudi Arabia, Kuwait, Qatar and Oman (Source: Kerala Migration Survey, Centre for Development Studies). Most of the Indian insurance companies provide home premium facility and enable the family members to avail cashless hospitalization facility at Pariyaram or Kannur Medical College during the time of emergency. Senior citizen health insurance plans keep high coverage limits and reasonable co-payment requirements for elderly parents.
Is Government Health Insurance Enough in Kannur?
No. Kerala's KASP offers a maximum of ₹5 lakh per eligible family per year (Source: Government of Kerala) — not enough to tackle serious illness. Cancer treatment may cost ₹25 lakh or more, cardiac surgery may cost ₹3–8 lakh and a lengthy stay in the ICU can burn through ₹5 lakh in mere days.
| Feature | KASP / AB-PMJAY | Private Health Insurance |
| Coverage | Up to ₹5 lakh per family per year | ₹10 lakh to ₹1 crore+ |
| Hospital Access | Empanelled hospitals only | Nationwide network hospital access |
| Room Choice | General ward | Private room with room rent flexibility |
| Treatments | Restricted procedures | Day care treatment and modern surgeries |
| Extra Benefits | Basic hospitalisation | OPD cover, AYUSH treatment, wellness |
| Senior Citizens | Limited schemes | Dedicated senior citizen health insurance plans |
Since Kannur carries Kerala's highest disease burden, unique handloom industry occupational risks, and one of India's highest cancer rates — a private health insurance policy with the right sum insured is the most reliable safety net for every family.
Frequently Asked Questions (FAQs)
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Q. What are the best plans for a family in Kannur?
Ans: Family floater health insurance plan for 25-30 lakh will include all the members under one premium - ensure it covers Critical Illness cover for cancer (common in Kerala). -
Q. Is Cashless hospitalisation offered in Kannur?
Ans: Yes, many health insurance companies have tied up with Pariyaram Medical College & Kannur Medical College for cashless hospitalisation where you don't have to pay from pocket. -
Q. Can NRI purchase health insurance for parents in Kannur?
Ans: Yes, many Indian insurance companies allow NRIs to purchase a family health insurance or a senior citizen health insurance plan online. -
Q. What are top diseases in Kannur?
Ans: These include hypertension, diabetes, heart disease, cancer, dengue fever, leptospirosis, weaver related occupation health problems. -
Q. Is the Government health Insurance plan sufficient in Kannur?
Ans: Government insurance provides up to 5 lakh which is useful for basic medical needs but the treatment for diseases like cancer or undergoing surgery (heart surgery) or any ICU admission may not be covered sufficiently. So it's better to opt for a private medical insurance plan. -
Q. Can I file a reimbursement claim in Kannur?
Ans: Yes, you can get reimbursement by submitting all the required documents, including bills and discharge summary within the claim period.
Health insurance companies
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
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