Find The Best Health Insurance Plans in Kerala
AIMS Insurance Broking helps individuals, families, and businesses compare suitable medical insurance policies in Kerala and across South India. Our experienced health insurance brokers provide expert guidance to help you find the right coverage for your needs. We compare coverage, policy wordings, benefits, exclusions, waiting periods, network hospitals, premiums, and claim conditions across leading insurers to help you select suitable medical plans based on your needs, budget, and level of protection. With personalized advice and dedicated claim support, AIMS helps you make confident health insurance decisions.
What's the difference between individual and family floater health insurance?
Individual Policy
Separate sum insured for each insured person
- Dedicated coverage per person
- One person's claim doesn't reduce others' cover
- Greater individual coverage flexibility
- May cost more for multiple members
- No shared coverage limit with family members
Family floater
One sum insured shared by the entire family
- Shared coverage for all members
- Easier to manage under a single policy
- Any member can use the available cover
- A large claim reduces the remaining cover
- Often more affordable for families
Choosing between an individual policy and a family floater depends on your family size, health needs, coverage requirements, and budget. AIMS Insurance Broking helps you compare suitable health insurance plans and understand the coverage, policy terms, benefits, and costs before choosing the right option for your needs.
I have health insurance from my office. Do I still need a personal health policy?
Yes, and here’s why:
- Job-change risk: Employer coverage may end when you leave.
- Limited coverage: Employer plans may have limits or exclusions.
- Family coverage: Parents or family members may not be covered.
How do cashless treatments work? Is it really hassle-free?
Cashless is pretty smooth when done right:
01
Choose network hospital
Check your insurer’s network hospital list.
02
Show insurance card
Provide your insurance card and policy details.
03
Pre-authorization approval
The hospital requests approval from your insurer.
04
Get treatment
Pay only for non-covered items, if applicable.
05
Walk out
Eligible expenses are settled directly with the hospital.
06
Get Claim Support
Our experts assist you with reimbursement claims when needed.
What should I look for when buying health insurance?
Essential checklist:
- Sum insured: Consider at least ₹5–10 lakhs for a family, depending on your needs and healthcare costs.
- Network hospitals: Choose a plan with good network hospitals near your home or workplace.
- Claim settlement ratio: Look at the insurer's claim service and settlement track record.
- Room rent limit: Check that the room-rent limit suits the hospitals you may use.
- Co-payment: Prefer lower co-payment where suitable, and understand your share of claim costs.
- Pre-existing disease coverage: Check the waiting period and coverage terms for pre-existing conditions ((up to 36 months, depending on the policy)
Coverage Made Right
Guidance Made Simple
Get expert guidance from trusted health insurance brokers to compare plans and choose coverage suited to your needs.