What Insurance Do I Need Before Moving Into a Senior Living Community, and What Does the Operator's Insurance Cover?

Ask specifically: does the operator carry public liability insurance covering injuries in common areas (a fall in a corridor, a slip in a shared bathroom), and what's the coverage limit. This isn't addressed by Kerala's care-home guidelines at all — it's a commercial insurance decision each operator makes independently, so an answer of "we're very safety-conscious" is not the same as an answer of "yes, here's our policy number and coverage limit."

Ask the operator which specific hospital they're tied up with, then separately contact your own health insurer to confirm whether that specific hospital is in their cashless network — don't assume it is just because the operator describes a "tie-up." A tie-up for ambulance/priority access and a cashless insurance network agreement are two different things, and having one doesn't guarantee the other.

If you're moving from another state or from abroad, also check whether your existing policy has any waiting period or exclusion that resets or applies differently once you're a resident in Kerala — this is worth a direct call to your insurer, not an assumption.