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Health Insurance in Kollam
Kollam, known for its beautiful backwaters, offers a peaceful lifestyle surrounded by nature. While Kollam is full of charm, healthcare expenses in the city are surprisingly high, putting a strain on your finances when you least expect it. To ensure you are fully prepared for any medical emergency in the city, having health insurance in Kollam is essential.
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Why Do You Need Health Insurance in Kollam?
Check out some compelling reasons to consider buying health insurance in Kollam:
6,51,00,000 Families have Trusted Policybazaar India No. of Claims Settled 8 Lakh Claim Amount Settled 4,007 Crore Kollam No. of Claims Settled 2 K Claim Amount Settled 9 Crore Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
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High Incidence of Viral Infection
In recent years, Kollam has faced a surge in viral infections. According to official data, the Kollam district recorded 82 cases of tomato fever between May and July 2022. These viral infections can lead to expensive treatments, but with health insurance plans, you do not have to worry about the financial burden.
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Prevalence of Vector-Borne Diseases
The rise of vector-borne diseases, such as dengue, malaria, and chikungunya, is a major concern in Kollam. As per the state health department, more than 20 locations across Kollam and Kozhikode were marked as dengue hotspots in July 2023 due to the increasing number of cases. Hospitalisation due to such diseases can be financially burdensome, but you can manage the treatment costs effectively with plans like dengue health insurance and health insurance for malaria.
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Surge in Communicable Diseases
Infectious diseases, such as Hepatitis B, remain a persistent issue in Kollam. Based on the Kerala Government's Communicable Disease data for 2022, the number of Hepatitis B cases in the state almost doubled in one year. Treating such illness can be costly, putting a strain on your finances. However, with a comprehensive health insurance plan, you can obtain the necessary treatments without worrying about the expenses.
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Rising Medical Costs
While Kollam boasts of one of the most advanced healthcare systems in Kerala, it comes with a high cost of hospitalisation and medical treatments. For instance, treating critical illnesses like cancer can often cost you lakhs of rupees. A mediclaim insurance policy can reduce this financial burden, allowing you to get treated without worrying about the medical inflation in the city.
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Access to Quality Healthcare
Not everyone in Kollam can afford top-notch medical care, leading people to compromise their health or seek cheaper alternatives. However, buying the idle health insurance plan in India can allow Kollam residents to obtain quality medical treatment whenever and wherever required.
Major Health Problems in Kollam
Kollam faces several major health issues that have shown concerning trends in recent years. Take a look at them below:
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Hepatitis B
The spread of Hepatitis B in Kollam is alarmingly accelerating. The Communicable Disease data of the Kerala Government indicates that Hepatitis B cases jumped from 89 in 2021 to 173 in 2022, leading to 3 deaths. Private clinics and dental practices are suspected to be the source of this rise in cases. Moreover, Hepatitis B is most common among people aged between 40 and 59 years in Kollam.
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Leptospirosis
Leptospirosis is a significant health issue in Kollam. As per the Kerala Directorate of Health Services report, Kollam reported 155 cases of leptospirosis in 2022 along with 4 deaths. The infection spreads mainly through contact between open wounds and pathogens present in water bodies.
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Diarrhoea
Diarrhoea has emerged as a significant health problem in Kollam, with cases skyrocketing by 216% in just one year. According to the Kerala - Communicable Disease Data, diarrhoea cases rose from 7,005 in 2021 to 18,325 in 2022. This surge is mainly due to the consumption of impure water and contaminated food.
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Chickenpox
Kollam has witnessed a notable rise in chickenpox cases over the last few years. As per the data on Communicable Disease in Kerala, chickenpox cases surged from 292 in 2021 to 812 in 2022. This viral infection is highly contagious and spreads through direct contact with an infected individual.
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Dengue
Dengue fever poses a severe health threat in Kollam. According to a report by The New Indian Express, the Kollam district reported 133 confirmed cases of dengue in less than two weeks in June 2023. Moreover, the high number of cases led the District Medical Office (DMO) to issue an alert against dengue fever in the city. The increase in the number of cases is mainly due to excessive mosquito breeding, ineffective pre-monsoon sanitation, waterlogging, etc.
Claims Settled for Major Health Conditions in Kollam
Lungs & Breathing
Avg. claim ₹39 K
₹1 Cr
417 Claims
Heart & BP
Avg. claim ₹1 L
₹1 Cr
60 Claims
Injuries & Accidents
Avg. claim ₹99 K
₹1 Cr
114 Claims
Infections & Fever
Avg. claim ₹44 K
₹74 L
170 Claims
Data Source: Policybazaar’s actual data of claims settled by its partnered insurers between 2018 and 2026.
Health Statistics of Kollam
Here are the health statistics of Kollam:
- Around 18,325 cases of diarrhoea were recorded in Kollam in 2022.
- Around 6,151 people visited government hospitals in Kollam for fever in a single day in May 2024.
- Kollam reported the highest number of tomato fever cases in 2022.
- Leptospirosis affected 155 Kollam residents in 2022.
- Kollam recorded a total of 446 fever cases in the first five months of 2024.
- Breast cancer and thyroid cancer are the most prevalent cancers among females in Kollam.
- Kollam reported the third-highest number of Hepatitis B cases in Kerala.
Vijaya Hospital Kollam ₹21 L N S Memorial Institute Of Medical Sciences ₹21 L Aster DM Health Care Limited ₹21 L S P Fort Hospital ₹20 L Dr Nairs Hospital ₹15 L AZEEZIA MEDICAL COLLEGE HOSPITAL ₹14 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 Kollam
Other Popular Hospitals
How Much Health Insurance Coverage Do You Need in Kollam?
Insurance industry experts recommend choosing a health insurance plan that offers coverage equal to at least half of your annual income. However, if you live in Kollam, selecting a mediclaim insurance policy that can adequately cover all your healthcare expenses, including the costs of treating critical illnesses, is crucial.
Given the increasing healthcare expenses in Kollam, it is recommended that you opt for a health insurance plan with a minimum sum insured of ₹5-10 lakh. If you are looking to cover your whole family under a single plan, a family health insurance policy with a sum insured of at least ₹20 lakh is ideal. For senior citizens, a senior citizen health insurance policy with a sum insured of ₹15 lakh or more is advisable.
Health Insurance in Kollam for NRIs
NRIs from Kollam can easily purchase health insurance from any insurance provider in India. The policy can be used to pay for unforeseen medical expenses that may arise during their visit or stay in Kollam. Additionally, if an NRI plans to return to Kollam after a few years, they can continue using the same health insurance for NRIs policy without needing to serve a fresh waiting period.
Moreover, NRIs can buy health insurance for parents living in Kollam, providing financial support to them during a health crisis. In fact, if NRIs pay taxes in their country of residence, they can get an 18% GST refund on premiums paid when purchasing a health plan from India.
People also read: GST Refund on Health Insurance for NRIs
Is Government Health Insurance Enough to Cover Medical Expenses in Kollam?
No.
The Karunya Arogya Suraksha Padhathi (KASP) is a health insurance scheme launched by the Kerala Government to provide financial protection to low-income families. The scheme offers coverage for secondary and tertiary medical care expenses in both public and private empanelled hospitals. Though KASP covers around 1,573 medical procedures, it falls short of covering all medical expenses of Kollam residents.
The table below shows why the KASP scheme alone may not be enough for comprehensive healthcare in Kollam:
| Category | Karunya Arogya Suraksha Padhathi (KASP) Scheme | Private Health Insurance |
| Eligibility | The scheme requires beneficiaries to be residents of Kerala, with BPL or APL status and an annual income below ₹3 lakh. Necessary documents must be submitted to qualify for KASP. | Private health insurance is accessible to everyone in Kollam, subject to age and health conditions. |
| Scope of Coverage | KASP is limited to hospitalisation for secondary and tertiary care at empanelled hospitals. | It provides coverage for primary, secondary, and tertiary medical care across all Kollam hospitals. |
| Sum Insured | KASP offers a yearly coverage of ₹5 lakh per family. | Private health insurance can offer coverage for as high as ₹6 crore, depending on individual needs and budget. |
| Pre and Post-hospitalisation Coverage | KASP provides coverage for up to 3 days before hospitalisation and 15 days post-discharge. | Most private health insurance plans cover pre-hospitalisation for up to 60 days and post-hospitalisation for up to 90 days, depending on the policy. |
| Procedures Covered | KASP covers about 1,573 procedures, including costs for surgeries, diagnostics, and hospital stays. | Private health insurance covers a vast range of procedures, including pre and post-hospitalisation expenses, inpatient and outpatient treatments, day care procedures, etc. |
Wellness and Prevention Tips in Kollam
Take a look at the wellness and prevention tips in Kollam:
- Avoid contact with contaminated water and soil in Kollam.
- Keep your surroundings clean to prevent rodent infestation.
- Wash your hands regularly with soap and water.
- Use mosquito repellents and wear long-sleeved clothes in Kollam.
- Get vaccinated against Hepatitis B in Kollam.
- Avoid sharing needles or personal items like razors.
- Drink clean and purified water.
- Avoid eating food from unhygienic sources in Kollam.
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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*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.
*₹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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