Why it is Important to Buy Health Insurance for your Child?


Why it is Important to Buy Health Insurance for your Child?

Parenting is a wonderful phase of life. It’s always good to see your child blooming like a flower every day. Being responsible parents, you do every little thing to bring up your child with the utmost care. But, growing inflation and skyrocketing medical costs can create a hindrance in your child’s future. Health insurance for children is a great way to protect them from uncertain contingencies. So, if you still in a dilemma about whether to opt for a health insurance plan for your kudos, then read this article till the end to know the reasons why you need to cover your child under an umbrella of a comprehensive health insurance policy.

Cashless Hospitalization

Your kids are the apple of your eyes. You cannot even think about any misfortune happen to them. But, with sound health insurance, you do not need to worry at all. If any medical emergency knocks your door, health policy covers all the expenses that incur due to hospitalization, treatment, and medication. You do not require arranging or borrowing cash from outside. You can easily afford your baby’s treatment without facing a cash crunch. 

Cover Pre and Post Hospitalization Expenses

Health insurance covers pre and post hospitalization expenses for 30 days before (pre) the hospitalization and 60 days after(post) discharge from the hospital. that you may incur during your child’s treatment. You are required to submit all medical bills within stipulated time for reimbursement. With the right medical insurance cover, you get your money back and do not need to pay hefty medical bills from your pocket. 

Treatment in Network Hospitals

Network hospitals are the panelled hospitals where you can take your child for the treatment. You can choose any network hospital according to your locality and convenience. These hospitals are well-facilitated and have highly experienced medical professionals. You do not need to wander from one hospital to another during an emergency. 

Tax Benefit

Under section 80D of the Income Tax Act of India 1961, you can avail of tax benefits on the premium that you pay for health insurance for dependent parents, children, and spouses up to Rs.50000. However, the taxable amount is subjected to your income and age. It also reduces your taxable income, which reflects less tax liability as well.

Secure Future

With the right health insurance cover, you do not need to worry about your children’s future. You can save your money for their upbringing, education, and marriage, while health insurance plan takes care of their healthcare needs and secure their future. So, they can achieve all success and live a good life in the future.

Therefore, from financial security to healthcare needs, the right health insurance policy has everything. Mentioned below are plans offered by Care Health Insurance: 

Family Health Insurance Plan

Care - A comprehensive health insurance plan for family is the most suited-plan for everyone’s needs. This plan secures your child and your whole family. It provides various benefits such as in-patient hospitalization, cover for pre-and-post-hospitalization medical expenses, and annual health check-up. This plan comes with a dual benefit as the total sum insured of this plan can be utilized by any other member of the family. It provides options with a higher sum insured than an individual health plan. For the sake of it, you should do proper research to know which plan is the most beneficial.

Maternity Health Insurance Plan

Entering into motherhood is always bliss for every woman. We offer Joy-maternity health insurance plan that provides security both to the mother and new baby. It covers pre and postnatal medical bills and medical expenses for a newborn baby up to 90 days from the date of birth. It has a 9-month waiting period for maternity related insurance claims. It is long-term policy tenure for 3 years.

>> Also read : Why it is Important to opt for Health Insurance for a Mother and her Unborn Child


Growing pollution, lifestyle diseases, and wrong eating habits creating serious health problems amongst children and also a bigger hole in your pockets. So, to avoid such financial implications, choose the right health insurance for children offered by us that keeps your children protected for a lifetime.

Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

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