Child Health Insurance

What is Health Insurance for Children?

A child insurance plan is one type of health insurance policy that helps cover healthcare expenses related to hospitalisation, vaccinations, medical emergencies, and check-ups for children.

Health insurance for kids ensures your financial security while providing complete medical assistance during unforeseen emergencies. Parents can either purchase individual health insurance for their kids or include them in their family floater plan to ensure quality treatment as needed.

Why Should You Buy Health Insurance for Children?

Children are more susceptible to illnesses and medical emergencies; at the same time, protecting their health shouldn’t come at the cost of your finances. A child health insurance plan provides extensive coverage for hospital visits, emergency treatments, and vaccinations. By opting for a suitable policy, you can focus on your child’s well-being without worrying about unexpected medical bills. Health insurance for children is a crucial step in ensuring access to quality care from an early age.

• Low Immunity: Newborns and premature infants are more vulnerable to minor and major infections. They need all-around protection, and a child health insurance plan is the best financial coverage you can provide them at an early stage.
• Inflation: Rising medical costs make even minor treatments expensive. A kid’s health plan protects your family from these escalating expenses, ensuring your child gets timely care without financial strain.
• Pandemic and Other Threats: Children are as vulnerable as adults to unexpected health emergencies and pandemics. Medical insurance for newborns and kids provides a safety net for hospitalisation, emergency care, and follow-up treatments during pandemics or sudden illnesses.
• Affordable Premium: Premiums for children are lower at an early age, making it cost-effective to secure strong health coverage. Pediatric health cover in India offers reliable protection without straining your budget.
• Financial Security: Without insurance, medical emergencies can disrupt your financial plans. A child health insurance plan ensures treatment costs are managed, keeping your family’s savings and future secure.

What is Covered under the Children Health Insurance Plan?

Before choosing the best insurance policy for child, you must carefully examine your health insurance policy terms and determine what is covered and what is not. If you’re looking for health insurance for a 1-year-old baby, it’s important to pick a plan that covers common childhood illnesses, emergency care, health check-ups, and vaccinations. Mentioned below is the scope of coverage under Health Insurance for Children by Care Health Insurance.

• Pre and Post-hospitalisation: Almost all our plans provide coverage for pre and post-hospitalisation under the good insurance policy for child. It ensures that all medical expenses, both before and after a hospital stay, are covered, providing families with financial relief during recovery.
• Daycare Treatments: Our child health insurance plan also covers the cost of Daycare Treatments, covering over 500 procedures that don’t require a 24-hour hospital stay.
• Ambulance Cover: Care Health Insurance’s kids' health insurance plan includes an ambulance cover benefit. This benefit provides cashless or reimbursed ambulance transportation for emergencies.
• Domiciliary Hospitalisation: Child health insurance plan offers coverage of treatment expenses that require starting treatment at home under specified circumstances. The treatment at home should continue for at least 3 Days under health insurance for your baby.
• AYUSH Cover: The mediclaim for child plan policy from Care Health Insurance includes coverage for the costs associated with AYUSH treatments. It allows cashless or reimbursement claims for Ayurveda, Yoga and Naturopathy, Unani, Siddha, or Homoeopathy.
• Organ Donor Cover: A child's health policy covers expenses incurred to remove the organ from the donor for transplantation. Insured members should use the removed organs. Pre- and post-hospitalisation expenses incurred by the donor are not payable. The donor should meet all the requirements specified by the GOI.

Add-Ons in Child Health Insurance Plan

Enhance your child health insurance policy with optional add-ons that provide extra protection and benefits beyond the base policy. These add-ons allow parents to tailor their health insurance for children to meet specific needs:

• Tenure Multiplier: Combine the sum insured of a multi-year policy for a single claim, usable once across the policy term.
• Claim Shield: The best insurance policy for child offers coverage for non-payable items listed in the policy annexure, providing additional financial support.
• Plus Benefit: Provides an additional sum for claims under base benefits once the base sum insured is exhausted.
• Early Renewal Discount: Save up to 5% by renewing your child's health insurance before the due date.
• Be-Fit Plus: Children aged 12 years and above can access unlimited visits to network fitness centres within a policy year.
• Instant Cover: Waives waiting periods for lifestyle diseases such as asthma, hypertension, and diabetes after an initial 30-day period.
• PED Wait Period Modification: Shortens the waiting period for pre-existing diseases as specified in the policy.

By choosing the right add-ons, parents can customise children health insurance for broader coverage, ensuring both financial security and better access to healthcare when your child needs it most.

What is Not Covered Under Children Health Insurance Plan?

There are some exclusions in medical insurance for kids that you should be aware of before purchasing a policy. At Care Health Insurance,  we shall not reimburse any claim amount for the following standard exclusions under the child health insurance plan:

• Act of self-inflicted injury, attempted suicide or suicide
• Any illness related directly to the consumption of Alcohol/Tobacco/Cigarettes, etc. or any sexually transmitted disease
• Cosmetic or plastic surgeries or related treatment
• Pregnancy, miscarriage, childbirth, maternity, including C-section, abortion, or complications of any of these
• All the treatment expenses due to participation in hazardous activities
• Damage caused by a nuclear, chemical, or biological attack or weapons
• Illness or injuries caused by any breach of law by the insured

Determine all the inclusions and exclusions before getting a health insurance plan for a child.

Eligibility Criteria for Children Health Insurance

The best insurance policy for child at Care Health Insurance offers flexible coverage, available either through an individual policy or as part of a family floater. Parents can ensure financial protection for medical emergencies while tailoring the plan to their child’s needs. Below are the age criteria according to child health insurance plans, as well as our standard health insurance plan-

How to Choose the Best Child Health Insurance Plan in India?

Buying a child's insurance policy in India is as important as educating your child. Medical insurance for a child only is ideal for older children, but for younger kids under 18, it is usually included under a family health insurance plan to ensure continuous protection. We have listed some critical factors to consider while buying a child health insurance plan in India. Read on to take a step forward to protect your child with the best insurance policy for child.

Budget

Setting a budget for your child’s health insurance is not just about affordability; it’s about ensuring comprehensive protection without compromising long-term financial goals. A thoughtfully chosen health insurance for children provides coverage for hospitalisation, emergency treatments, vaccinations, and routine check-ups, helping you manage unpredictable medical expenses. By enrolling your child early with medical insurance for newborns or young children, you can secure lower premiums and maximise benefits, giving your family financial stability while prioritising your child’s well-being.

Decide on Policy Type

Do you want family floater medical insurance covering the whole family, or do you want an individual policy for the child? You should have a clear understanding of the type of policy you want to choose for the child. Also, before purchasing a plan, always verify the health insurance child age limit to ensure your child qualifies for coverage. Knowing the age criteria helps parents plan for individual or family floater policies and secure uninterrupted healthcare benefits.

Also Read: Which Is Better, Individual or Family Health Insurance?

Check the Network Hospitals

Before purchasing, verify the list of network hospitals that have partnerships with the best health insurance provider. You should also verify that these hospitals have experienced paediatricians and are conveniently located for hassle-free access. Choosing a child health insurance plan with a vast hospital network ensures quick, cashless treatment in the event of an emergency. This way, your health insurance for children provides not just financial protection but timely access to quality medical care.

Calculate Premium

Premium is the amount you must pay the insurer for coverage. You can easily calculate the premium amount using an online health insurance premium calculator on the website and select the preferred sum insured according to your requirements.

In this way, you can choose health insurance for children that offers an affordable premium and maximum coverage.

Check Exclusions

Review the list of exclusions to avoid claim surprises. Opt for a child insurance plan that covers most hospitalisation, treatments, and daycare procedures, while adhering to IRDAI regulations. Compliance ensures the policy meets all statutory standards and that claim processes are smooth and transparent.

Maximum Coverage

A good child health insurance plan should provide extensive protection for hospitalisation, treatments, medications, and preventive care. Care Health Insurance offers a variety of plans to suit different family needs. Care Supreme, Care Advantage, and Ultimate Care cover pre- and post-hospitalisation, daycare procedures, ambulance cover, organ donor expenses, routine health check-ups for children, AYUSH coverage, and more.

Check Age Criteria

Before you say yes to health insurance for children, check the age criteria for eligibility. Children can be easily insured under a family floater policy, and the minimum age for enrollment is 91 days. So, consider a plan with a maximum renewal age and lifelong coverage.

Therefore, medical insurance for kids offers many benefits and comprehensive coverage. If chosen wisely, a health insurance plan ensures your kids receive the best treatment and medication without any trouble. Therefore, investing in the best insurance policy for child in a timely manner  is strongly recommended.

How to Add a Child to a Care Health Insurance Policy?

To secure medical insurance for child only for younger children, it’s recommended to include them in a Care Health Insurance family floater plan, giving them dedicated coverage. You can easily add your child to your existing Care Health Insurance policy during the renewal period. Follow the steps below to complete the process:

• Inform the Insurer: Notify Care Health Insurance about the birth of your child after the 90th day.
• Fill the Change Request Form: Submit the duly filled Change Request Form along with the Non-Communication Declaration (NCD), if applicable.

Change Request Form & NCD

• Submit Required Documents:
  • Baby’s birth certificate
  • Maternity discharge card
  • A recent photograph for the cashless health card
  • Medical reports (if any) describing the baby’s health condition
• Policy Update: Once the insurer verifies the documents, your policy will be updated with the new member and revised premium details.

Remember:

• Minimum entry age for a newborn: 90 days
• Maximum age under the child health insurance plan: 24 years
• After 24 years, the child must opt for an individual health insurance policy.

Tip: Consider a maternity add-on to your policy for comprehensive newborn coverage.