Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Children’s or Child health insurance is one of theInform the insurer: types of health insurance policies that help cover the healthcare expenses related to hospitalisation, vaccination, medical emergencies, and check-ups of children.
Health insurance for kids ensures your financial security while providing complete medical assistance during an unforeseen emergency. Parents can either purchase individual health insurance for kids or include them in their family floater plan to ensure quality treatment as and when needed.
If you have second thoughts about buying health insurance for your child, the following are the reasons that could impel you to buy health insurance for your child:-
Before choosing the best child insurance plan, 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.
There are some exclusions in medical insurance for kids, which you must know about 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:
Determine all the inclusions and exclusions before getting a health insurance plan for a child.
Below are the age criteria according to child health insurance plans, as well as our standard health insurance plan-
Entry Age - Minimum | Adult: 18 years Child: 90 days |
Entry Age- Maximum | Adult: 99 Years Child: 24 Years (last birthday) |
Exit Age | Adult: Lifelong Child: 25 Years |
Cover Type | Individual: Max up to 6 persons Floater: Max up to 2A2C |
Tenure Options | 1/2/3 Years |
Relationship Covered | Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in-law, grandfather, grandmother |
Waiting Period | Initial Waiting Period:30 days except for accidental expenses Pre-existing Diseases Waiting Period: 36 months of continued coverage |
Buying a child insurance policy in India is as important as educating your child. 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 help of child health insurance plans:
It is always wise to set a budget before buying health insurance for children. You should pick a cost-effective plan that covers maximum hospitalisation and treatment expenses. That’s how the best insurance policy for your child will come to your rescue.
So, you do not need to touch your savings during emergencies; you should keep them for your children's future.
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.
Before buying, you should check the list of network hospitals having tie-ups with the best health insurance provider. You should also check that these hospitals have experienced paediatricians and are located nearby for hassle-free access.
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 per your requirement.
In this way, you can pick health insurance for children with an affordable premium and maximum coverage.
Exclusions are conditions that are not covered in health insurance. It's advisable to check the list of exclusions and see when the insurance provider can reject the claim. So, you should choose the plan offering complete coverage with minimal exclusions and pick the best health insurance plan for your child
A good child health insurance plan should cover hospitalisation, treatment, and medication expenses. Your kids deserve the best possible health care; hence, we offer annual health check-ups that include physical examination (BMI), eye examination, and dental examination for your child's welfare.Thus, you should choose a plan that offers maximum coverage.
Before you say yes to health insurance for children, check the age criteria for eligibility. Children can easily be insured in 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 with many benefits and coverage. If chosen well, a health insurance plan assures your kids the best treatment and medication without any trouble. Thus, timely investment in a child's health insurance is strongly recommended.
You can add a child during the policy renewal. To add a child to your Care Health Insurance plan, inform the insurer and submit a new proposal form, especially if adding a newborn. Provide documents like the birth certificate, maternity discharge card, and medical reports for newborns (if any).
Remember: The minimum entry age for a newborn is 90 days, and for adults it is 18 years. The upper age limit of the child health insurance plan is 24 years; after that, they need to buy an individual health policy.
Inform the insurer
Notify us about the birth of your child after the 90th day.
Fill the Change Request Form
Required documents: Submit documents like:
Policy update:
We will review the information and update your policy and premium amount.
Tip: Consider a maternity add-on to your policy for comprehensive newborn coverage.
Look for hospitals around you
The child should enter the family floater policy at a minimum age of 90 days.
Pre-hospitalisation and post-hospitalisation expenses, the daycare procedure, domiciliary, organ donor, ambulance cover and AYUSH treatment medical expenses.
The child is a part of the family floater policy till he/s turns 25 years old. After that, the child automatically gets insured in an individual policy.
Yes, you can take add-on benefits according to the insurance policy.
There are no co-pays or deductibles for covering a child in a health insurance policy.
Yes, you can port your policy anytime.
No, there is no specific list of diseases covered.
No, vaccines are not covered.
Get the best financial security with Care Health Insurance!
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^^Number of Cashless Healthcare Providers as of Feb 2025
**Number of Claims Settled as of Dec 2024
^10% discount is applicable for a 3-year policy