Health Insurance in Thiruvananthapuram starting at just ₹8/Day*

Health Statistics of Thiruvananthapuram

Check out some of the recent health statistics of Thiruvananthapuram:

Diarrhoea cases jumped by 88% from 2021 to 2022 in Thiruvananthapuram.
Dengue cases surged by 74% in Thiruvananthapuram from 2021 to 2022.
51% of women in Thiruvananthapuram are overweight/obese.
32% of women in Thiruvananthapuram are anaemic.
31% of women are affected by hypertension in Thiruvananthapuram.
Over 6,100 children below 5 years in Thiruvananthapuram are overweight/obese.
Anaemia cases among children increased by 12% in Thiruvananthapuram.

Why Do You Need Health Insurance in Thiruvananthapuram?

Take a look at some strong reasons why you must buy health insurance in Thiruvananthapuram:

Prevalence of Lifestyle Diseases

Lifestyle diseases like hypertension and obesity are on the rise in Thiruvananthapuram. According to the National Family Health Survey-5, more than 4.43 lakh women in Thiruvananthapuram between the ages of 15-49 years suffer from obesity. Moreover, the city witnessed a 22% increase in hypertension cases among women of the same age group when compared to the National Family Health Survey-4 data. Getting treatment for hypertension can be expensive in severe cases. Therefore, you must buy health insurance for high blood pressure to protect your savings from being exhausted on hospital bills.
Increase in Vector-Borne Diseases

Every monsoon, the spread of vector-borne diseases like dengue becomes a major concern in India, and Thiruvananthapuram is no exception. According to official data, Thiruvananthapuram recorded 93 dengue cases in just 11 days of July 2023. Additionally, 18 wards within the city were marked as dengue hotspots. Since the risk of dengue returns every rainy season, it is advisable to protect yourself early by investing in a dengue health insurance plan.
Surge in Respiratory Infections

Thiruvananthapuram also deals with frequent respiratory infections like H1N1, commonly known as swine flu. As per the statistics of the Health Department, Thiruvananthapuram reported 44 cases of H1N1 fever in June 2024 within two weeks. While mild cases can often be managed at home, serious cases may require costly hospitalisation, burning a hole in your pocket. However, buying the best health insurance plans in India allows you to obtain quality treatment without any financial burden.
Rising Water-Borne Diseases

Water-borne diseases like diarrhoea are a significant concern in Thiruvananthapuram. According to the Kerala- Communicable Disease Data, 42,702 diarrhoea cases were recorded in Thiruvananthapuram in 2022. If hospitalisation is required for these diseases, the treatment costs can quickly add up. However, with comprehensive health insurance plans, you can receive timely treatment at top hospitals in the city, with your insurer covering the expenses.
Increasing Medical Costs

Medicare costs are rising at a fast rate in Thiruvananthapuram. For instance, the cost of a coronary angioplasty in Thiruvananthapuram can range from ₹1.35 lakh to ₹4.10 lakh. This high price makes it difficult for many Thiruvananthapuram residents to afford treatment. But, if you have mediclaim insurance with a coverage of ₹5-10 lakh, you can easily get the best treatment without creating any financial burden on yourself.

Major Health Problems in Thiruvananthapuram

Listed below are the major health issues in Thiruvananthapuram:

Anaemia

Anaemia is a major concern in Thiruvananthapuram. According to the National Family Health Survey-5, nearly 2.8 lakh women aged between 15-49 years and more than 64,000 children below the age of 5 years are anaemic in Thiruvananthapuram. The leading cause of this condition is the deficiency of iron and other essential vitamins in their diet.
Hypertension

Hypertension is widely prevalent, especially among women in the city. As per the NFHS-5, over 2.7 lakh women in the age group of 15-49 years in Thiruvananthapuram are suffering from hypertension. Inactive lifestyle, obesity, and other medical conditions are responsible for hypertension cases in Thiruvananthapuram.
Obesity

Obesity is on the rise in Thiruvananthapuram. According to the fifth round of the National Family Health Survey (NFHS), Thiruvananthapuram recorded an increase of 17% in overweight/obesity cases among women aged between 15-49 years, compared to the fourth round of the survey. Poor lifestyle, lack of physical activity, and unhealthy diet are the leading causes of obesity in the city.
Diarrhoea

Diarrhoea continues to be a significant public health issue in Thiruvananthapuram. As per the Communicable Disease Data of Kerala, diarrhoea cases increased from 22,694 in 2021 to 42,702 in 2022. Consumption of contaminated food, digestive tract issues, food allergies/intolerances, and long-term use of medicines are responsible for this surge in cases.
Dengue

Thiruvananthapuram witnesses frequent outbreaks of dengue every monsoon season. According to the Kerala Government's Communicable Disease Data, 844 dengue cases, along with 6 deaths, were reported in Thiruvananthapuram in 2022. This high number of cases and deaths is mainly due to overcrowding and changing weather conditions in the city.
H1N1 Fever

Commonly known as Swine Flu, H1N1 fever has a high incidence in Thiruvananthapuram. As per the Health Department, Thiruvananthapuram witnessed more than 40 H1N1 fever cases within just two weeks of June 2024. Due to its highly contagious nature, the Health Department urged people to stay vigilant and take preventive measures against this respiratory infection.

How Much Health Insurance Coverage Do You Need in Thiruvananthapuram?

According to health insurance experts, you must buy medical insurance with a sum insured equivalent to at least 50% of your annual income. Moreover, your health plan must provide enough coverage to pay for the costs of treating common critical illnesses in the city.

As healthcare costs are rising in a tier-2 city like Thiruvananthapuram, it is ideal to buy an individual health insurance policy that offers a sum insured of ₹5-10 lakh. If you want to insure your entire family under a single plan, you must opt for a family health insurance plan with a minimum coverage of ₹20 lakh. Moreover, for senior citizens in Thiruvananthapuram, a senior citizen health insurance policy with a minimum sum insured of ₹15 lakh is recommended.

Health Insurance in Thiruvananthapuram for NRIs

If you are an NRI from Thiruvananthapuram, you are eligible to buy mediclaim insurance from any health insurance provider in India. This health insurance for NRIs policy will help you cover emergency medicare expenses incurred during your stay or visit to Thiruvananthapuram. Additionally, if you plan to move back to Thiruvananthapuram after a few years, you can continue using the same policy without serving fresh waiting periods.

You can also purchase health insurance for parents living in Thiruvananthapuram to help them cover the costs of availing treatments during medical emergencies in the city. In fact, as an NRI, you can get an 18% GST refund on the premium paid to any of the health insurance companies in India, provided you fulfil your tax obligations in your country of residence abroad.

People also read: GST Refund on Health Insurance for NRIs

Is Government Health Insurance Enough to Cover Medical Expenses in Thiruvananthapuram?

No.

The Kerala government offers the Karunya Arogya Suraksha Padhathi (KASP) scheme, which provides healthcare services to vulnerable and poor families of Kerala, including those living in Thiruvananthapuram. Though the KASP scheme offers an annual coverage of ₹5 lakh per family, it still falls short of providing comprehensive coverage to Thiruvananthapuram residents.

Take a look at the table below to understand why the Karunya Arogya Suraksha Padhathi scheme is insufficient to cover all medical expenses in Thiruvananthapuram.

Category	Karunya Arogya Suraksha Padhathi (KASP) Scheme	Private Health Insurance
Sum Insured	The Karunya Arogya Suraksha Padhathi scheme offers a sum insured of ₹5 lakh per family per year.	The coverage under private health insurance can be as high as ₹6 crore.
Scope of Coverage	The scope of KASP scheme is limited to secondary and tertiary care hospitalisation.	It provides primary, secondary, and tertiary healthcare coverage across all Thiruvananthapuram hospitals.
Eligibility Criteria	The applicant must be a resident of Kerala. Families below and above the poverty line with yearly income under ₹3 lakh can apply.	Everyone in Thiruvananthapuram is eligible to buy private health insurance plans, depending on their health status and age.
Procedures Covered	The scheme covers nearly 1,667 procedures, including the cost of consultations, medications, non-intensive and intensive care, hospital stays, diagnostic tests, etc.	Private medical insurance covers a broad range of procedures, including inpatient treatments, modern treatments, pre and post-hospitalisation expenses, outpatient treatments, day care procedures, critical illnesses, etc.
Pre and Post-hospitalisation Coverage	It covers up to 3 days of pre-hospitalsation and 15 days of post-hospitalisation expenses.	Most private health plans cover pre-hospitalisation and post-hospitalisation expenses for up to 60 and 90 days, respectively, depending on the chosen policy.
Network Hospitals	KASP provides cashless treatment facilities at 194 public and 538 private empanelled hospitals.	Private health insurance offers the cashless treatment option at all hospitals in Thiruvananthapuram with its cashless everywhere facility.

Wellness and Prevention Tips in Thiruvananthapuram

Here are some of the wellness and prevention tips to stay healthy in Thiruvananthapuram:

Wash your hands with soap often, especially after sneezing or coughing, in Thiruvananthapuram.
Stay away from crowded places in Thiruvananthapuram during flu season.
Eat foods rich in Vitamin C, like oranges and lemons, to boost immunity in Thiruvananthapuram.
Get enough sleep, as lack of rest can lead to weight gain.
Use mosquito repellents on exposed skin when outdoors in Thiruvananthapuram.
Include green leafy vegetables in your meals.
Replace sugary drinks with water or herbal teas in Thiruvananthapuram.
Avoid excess dairy consumption if you are at risk of anaemia.
Drink boiled or filtered water to avoid water-borne infections in Thiruvananthapuram.
Engage in physical activities like aerobics, swimming, etc., to manage the obesity problem in Thiruvananthapuram.

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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