Child Health Insurance

What is Health Insurance for Children?

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.

Why Should You Buy Health Insurance for Children?

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:-

• Low Immunity: Children have lower immunity than adults, especially newborns and premature children, who are vulnerable to minor and major infections. Thus, you need to protect your child with a promising and best child plan in India that covers their health and helps you financially.
• Inflation: There has been constant medical inflation over the years, resulting in unaffordable and inaccessible treatments for people who can’t afford the ever-soaring medical costs. Therefore, it is recommended that you buy a child insurance plan that keeps your child’s health secure.
• Pandemic and Other Threats: COVID-19 has caused immense menace in the last few years as the entire world has become a battleground against this life-threatening infection. Children have been affected as much as adults have, and many were taken to the hospital. Hence, health insurance for baby can be your absolute rescue in case of an emergency related to the pandemic or its prolonged effects.
• Affordable Premium: The health insurance premiums are low at an early age. You may have financial security for your children's health at a reasonable cost because the premium for health insurance for children is typically relatively inexpensive. Your quest ends at Care Health Insurance if you're seeking the greatest insurance plan for your child. We provide some of India's most cost-effective children's insurance options.
• Financial Security: If you don't have children's health insurance in India, you may need to draw from your funds to pay for your kids' medical care. This may impact your financial plans for your family, including your children, and cause you to fall short of your financial backups. By purchasing a child health insurance plan, you would be stress-free of any last-moment surprises due to medical emergencies.

What is Covered under the Children Health Insurance Plan?

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.

• Pre and Post-hospitalisation: Choosing this plan gives you some assurance regarding prospective medical costs for your child, as we cover pre- and post-hospitalisation medical expenses.
• Daycare Treatments: Our Children's Medical Insurance Plan also covers the cost of Daycare Treatments. These are operations that don’t require 24-hour hospital stay. Care Health Insurance covers 540+ daycare treatments under a child health insurance plan.
• Ambulance Cover: Care Health Insurance’s kids' health insurance comprises the ambulance cover benefit. This benefit allows you to get coverage for ambulance expenses.
• Domiciliary Hospitalisation: 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. As a result, if you need treatment under the categories of Ayurveda, Yoga and Naturopathy, Unani, Siddha, or Homoeopathy, you can claim for cashless benefit or request reimbursement for the related costs.
• Organ Donor Cover: A child's health policy covers expenses incurred to remove the organ from the donor during an operation. 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.

What is Not Covered Under Children Health Insurance Plan?

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:

• 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

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 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:

Budget

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.

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.

Check the Network Hospitals

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.

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 per your requirement.

In this way, you can pick health insurance for children with an affordable premium and maximum coverage.

Check Exclusions

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

Maximum Coverage

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.

Check Age Criteria

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.

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

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

Change Request Form & NCD

Required documents: Submit documents like:

• Baby’s birth certificate.
• Maternity discharge card.
• A photograph for the cashless health card.
• Medical reports describing the health condition of the baby

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.