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Karnataka Bank Health Insurance
Karnataka Bank Health Insurance is designed to help individuals and families with a Karnataka bank account to manage their healthcare costs. It provides financial coverage for medical expenses, such as hospitalisation costs, OPD expenses, maternity expenses, etc. and offers cashless treatment facilities in all hospitals. However, the Karnataka bank health policy will remain valid as long as the bank is collaborated with the insurer and the customer has an active bank account.
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Karnataka Bank Health Insurance: Key Highlights
| Categories | Specifications |
| Pre-existing Diseases (PED) | Included from day 1 |
| Validity of Karnataka Bank Health Insurance Plans | 1. As long as the bank has a tie-up with the insurance company 2. As long as the customer has an operational Karnataka Bank account |
| Riders | Generally not offered |
| Premium Payment | Deducted automatically from the linked Karnataka Bank account |
| Tax Benefits | Tax deductions can be claimed u/s 80D of the Income Tax Act. |
Disclaimer: The waiting period for PED may vary depending on the terms and conditions of the Karnataka Bank health insurance policy.
Benefits of Karnataka Bank Health Insurance
Take a look at the benefits of purchasing Karnataka Bank health insurance for account holders:
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Budget-friendly Premiums
Karnataka Bank health insurance plans are budget-friendly than most mediclaim policies. This is due to the bank’s partnership with the insurance company to offer plans at lower premiums to its customers. Besides, the bank may also provide extra discounts that make these plans more affordable.
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Coverage for Pre-existing Diseases
Health insurance plans offered by Karnataka Bank may cover pre-existing health issues, such as diabetes, asthma, hypertension, thyroid, etc., from the first day of the policy. This means that the diseases you already have at the time of buying the policy will be covered without any waiting period.
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No Insurance Agent Required
Purchasing a medical insurance plan from Karnataka Bank is hassle-free for customers as they do not need to find an insurance agent. Instead, customers can purchase the policy directly from the bank and that too without any external influence.
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Automatic Premium Payments
Karnataka Bank health insurance premiums are debited automatically from the linked Karnataka Bank account. This saves the customer from the hassle of remembering the premium payment date, reducing the chances of a policy lapse due to missed payments.
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Enhanced Convenience
Buying a Karnataka Bank mediclaim policy is more convenient for account holders as the bank offers both finance and insurance services under one roof. Moreover, customers do not need to undergo the hassle of lengthy paperwork as the bank already has customer details.
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Plans for Everyone
The Karnataka Bank health insurance scheme provides coverage for everyone, including individuals, families, and senior citizens. Moreover, the plan covers multiple treatments and procedures, offering comprehensive medicare protection to the customers.
List of Plans Offered by Karnataka Bank Health Insurance
The medical insurance plan offered by Karnataka Bank is as follows:
| Health Insurance Plan Name | Sum Insured | Ideal For |
| Karnataka Bank Health Insurance Plan | ₹1 lakh to ₹50 lakh | Individuals and Families |
Note: The above Karnataka Bank health insurance plan is as of May 27, 2025.
What is Covered by Karnataka Bank Health Insurance?
Listed below are the coverage offered by the Karnataka Bank health insurance plan:
- In-patient treatment
- Pre-hospitalisation expenses
- Day care procedures
- Post-hospitalisation expenses
- Maternity cover
- Newborn baby cover
- OPD cover
- Daily hospital cash
- Restoration of the sum insured
- Organ donor expenses
- AYUSH treatment
What is Not Covered by Karnataka Bank Health Insurance?
Check out the expenses not covered by the Karnataka Bank health insurance scheme:
- Suicide or self-inflicted injuries
- Treatment for alcohol or drug addiction
- Plastic or cosmetic surgery
- Dietary substances or supplements
- Weight control or obesity treatments
- Treatment for injuries due to participation in hazardous or adventure sports
- Treatment for injuries sustained while violating the law
- Unproven treatments
Things to Keep in Mind While Buying a Karnataka Bank Health Insurance Plan
Here are a few things customers should keep in mind while buying a Karnataka Bank health insurance plan:
- Validity – The Karnataka Bank health plan remains valid until the customer has an active bank account and the bank’s partnership with the insurance provider is in effect.
- Scope of Coverage – The coverage offered by a Karnataka Bank health insurance policy may be limited in comparison to retail medical insurance policies.
- Riders – The option to add health insurance riders may not be available under bank health insurance vs personal retail health insurance.
- Insurance Companies – Customers of Karnataka Bank have a limited list of insurers to buy a policy from, as the bank has a tie-up only with a few health insurance companies in India.
Karnataka Bank Health Insurance: FAQs
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Q1. Can we take health insurance from Karnataka Bank?
Ans: Yes, you can buy health insurance from Karnataka Bank if you have an active account with the bank. However, the policy will remain active as long as you have an operational Karnataka Bank account and the bank is in partnership with the insurance company. -
Q2. How much does Karnataka Bank health insurance cover?
Ans: Karnataka Bank health insurance covers medical expenses for up to ₹50 lakh. -
Q3. Where can I find the Karnataka Bank health insurance hospital list?
Ans: You can find the Karnataka Bank health insurance hospital list on the website of the associated insurance company. Besides, you can get in touch with the customer support team or check the network hospital list of the insurer on Policybazaar.com. -
Q4. Is there any Karnataka Bank health insurance for senior citizens?
Ans: Yes, the Karnataka Bank offers health insurance plans for senior citizens. -
Q5. What is the Karnataka Bank health insurance policy download process?
Ans: You can download the Karnataka Bank health insurance policy from the website of the insurer associated with the bank. You can even speak with the customer support team to know how to download your policy. -
Q6. What is the Karnataka Bank health insurance claim process?
Ans: You can claim Karnataka Bank health insurance either on a cashless or reimbursement basis. For cashless claims, you can obtain treatment at the hospital of your choice without paying upfront, and the insurer will settle the bill amount directly with the hospital. For reimbursement claims, you first need to pay the hospital after obtaining treatment and then submit the required documents to the insurer. On successful verification, the insurer will reimburse you the claim amount.
Health insurance companies
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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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*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. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹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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##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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