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Parents work hard every day to nurture their children and secure their future. Comprehensive health insurance that covers your children in the event of a medical emergency and provides them with the best healthcare gives you peace of mind. Investing in children's health insurance is equally important as investing in their education, marriage, and living.
But, when it comes to choosing the right health insurance for children, it can be a daunting task for you. There are a plethora of options available in the market that can confuse you.
Here, we have listed some important factors to consider while choosing the best health insurance plan for your kids. Take a look!
It is always wise to set a budget before buying health insurance for children. You should pick the cost-effective plan that covers maximum hospitalization and treatment expenses.
So, you do not need to touch your savings during emergencies and keep it for your children's future.
Check the Network Hospitals
Before making your buying decision, you should check the list of network hospitals that have tie-ups with the health insurance provider. You should also check that these hospitals should have experienced paediatrics and located near by for hassle free access.
Premium is the amount you have to pay to the insurer for the coverage. You can easily calculate the premium amount with the help of an online health insurance premium calculator available on the website and select the preferred sum insured as per requirement.
In this way, you can pick health insurance for children with a affordable premium and maximum coverage.
Exclusions are the conditions that are not considered in health insurance. It's advisable to check the list of exclusions and see what all are the conditions when the insurance provider can reject the claim. So, you should choose the plan that offers you complete coverage with minimal exclusions.
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 the welfare of your child. A good child health insurance plan should cover hospitalization, treatment, and medication expenses. Thus, you should choose a plan that offers maximum coverage against the treatment expenses.
Check Age Criteria
Before you say yes to health insurance for children, check the age criteria also for eligibility. Children can easily be insured in a family floater policy, and the minimum age for enrollment is 91 days. So, you should consider a plan that has maximum renewal age with lifelong coverage.
Therefore, health insurance plans come in a wide range of benefits and coverage. If chosen well, a health insurance plan assures your kids the best treatment and medication without any trouble. Thus, it's strongly recommended to make a timely investment in a child's health insurance. You can consider 'Care' a comprehensive health insurance plan offered by Care Health Insurance for your entire family. It gives maximum coverage at an affordable premium and saves you and your family from any kind of untoward eventuality.
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We offer a number of plans that cover children, covering every stage of their growth, with the plans tailor-made for a particular stage. Health insurance plans for children cover a range of illnesses, including annual check-ups as part of the plan. Comprehensive health insurance covers your children in the event of a medical emergency and gives them the best healthcare.
We offer health insurance for children once they turn 91 days old and with no upper age limit. In case of minor the proposer age should be 18 yrs. However, the eligibility criteria may vary from plan to plan.
The waiting period for all the health insurance policies is the same. You can still reduce it by getting yourself an add-on.
A comprehensive health insurance plan for children covers several healthcare expenses such as ambulance expenses, pre-hospitalisation and post-hospitalisation expenses, daycare procedures, and other relevant expenses. One should always go through the terms and conditions to know more about the policy.
^^Number of Cashless Healthcare Providers till 31st Dec 2022.
#Source: IBAI Claims Handbook for FY 19-20
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