Health Insurance in Kozhikode

• Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
• 10,000+ hospitals for cashless treatment
• Claim up to Rs. 55,000 deduction under section 80D**

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A health insurance policy pays for a policyholder’s medical expenses in case the concerned individual were to seek medical treatment or undergo a hospital admission. Thus, a health insurance plan can, to a large extent, help you reduce your expenses in the event of a medical emergency. For this reason, it is highly advisable to purchase a health insurance plan with adequate coverage suited to your needs without delay.

Healthcare in Kozhikode

Kozhikode, also called Calicut, is one of the largest cities in Kerala. The public hospitals and healthcare facilities in the city are run and maintained almost completely by the Municipal Corporation and the district administration. There are also several private medical establishments in the city that provide medical service to the residents of Calicut. A few popular hospitals that are located in the city are Kozhikode District Co-operative Hospital, Malabar Institute of Medical Sciences Ltd., National Hospital, IQRAA International Hospital and Research Centre, etc.

Need for Health Insurance in Kozhikode

Be it a common illness or a serious disease, it is necessary to have a comprehensive health insurance policy so one can undergo the necessary treatment without having to face any financial hurdles. Since there a number of hospitals in Kozhikode, residents who have health insurance plans can also choose to undergo cashless hospitalisation at any empanelled hospital, that is a part of the insurer’s network, in the city.

Health Insurance Companies in Kozhikode

A few standalone health insurance and general insurance companies that are located in Kozhikode are:

• Star Health and Allied Insurance Co. Ltd.: Established in the year 2006, Star Health offers a number of health insurance plans such as the Star Health Gain Insurance Policy, Star Comprehensive Insurance Policy, Family Health Optima Insurance Plan, etc. Star Health is partnered with several healthcare providers in Kozhikode including Smart Hospital & Research Centre, K.M.C. Hospital, Kozhikode District Co-operative Hospital, Nirmala Hospital, etc. The insurance provider also has two branch offices in Kozhikode.

• Reliance General Insurance: Reliance General Insurance is a leading insurance company that has a pan-India presence. As of 2018, the insurance provider has partnered with around 16 network hospitals in Kozhikode including Santhi Hospital, Koya’s Hospital, National Hospital, Vasan Eye Care Hospital, etc. Reliance General Insurance has one branch office in Calicut.

• IFFCO-Tokio General Insurance: IFFCO-Tokio General Insurance offers 7 health insurance policies as part of its product portfolio. The insurer gives customers the option to purchase or renew many of its insurance policies online. In Kozhikode, the insurer has one branch office. The non-life insurance provider has tied-up with many hospitals in Kozhikode for the benefit of its customers. Policyholders can, thus, avail cashless treatment at City Eye Foundation, Chest Hospital, Metro International Cardiac Centre Pvt. Ltd., etc.

• HDFC ERGO General Insurance Company Ltd.: HDFC ERGO General Insurance offers a range of general insurance products including personal accident and health insurance policies to customers. Individuals who have purchased health insurance plans from HDFC ERGO can undergo cashless hospitalisation at any network hospital in the city. Certain hospitals that are part of the insurer’s network in Kozhikode are Fathima Hospital, Cradle Calicut Maternity Care Pvt. Ltd., National Hospital, Malabar Institute of Medical Sciences, etc. There is also one HDFC ERGO branch office located in Calicut.

• Magma HDI General Insurance Co. Ltd.: Magma HDI General Insurance offers three health insurance plans – One Health, Individual Personal Accident Policy, and Loan Guard. The insurer has one office in Calicut. Certain network hospitals that Magma HDI has partnered with in the city are Malabar Multi Speciality Centre Pvt. Ltd., Starcare Hospital Kozhikode Pvt. Ltd., Al Salama Eye Hospital, etc.

• Future Generali: Future Generali is one of the top general insurance providers in India with more than 125 branches across the country, over 2,000 corporate clients, and a strong customer base. The insurer has one branch office in Calicut and has partnered with a number of leading healthcare providers in the city. A few network hospitals in which residents of Calicut can avail cashless treatment are Malabar Institute of Medical Sciences Ltd., Matria Hospital, Baby Memorial Hospital, Ltd., etc.

Please note that the above-mentioned list of insurance companies is not exhaustive. There are several other insurance firms that also offer health insurance policies to individuals residing in Calicut. Considering how expensive medical treatments have become across the country, a health insurance policy is a must-have since it provides much-needed financial protection to policyholders in case of a medical emergency.