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Health Insurance For Children

Child Health Insurance

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Child Health Insurance

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 kids, it can be a daunting task for you. There are a plethora of options available in the market that can confuse you. Whether you are looking for health insurance for newborn or infants, or teenage kids – you can get the suitable Care Health Insurance plan for every type of family size. At Care Health Insurance, we help you choose the right health coverage for yourself and your family with detailed tips and guidance. 

Tips to Choose the Right Child Health Insurance Plan

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 child health insurance. You should pick a cost-effective plan that offers coverage for hospitalization and treatment expenses without disturbing your budget. 

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.

Calculate Premium

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 your kids with an affordable premium and maximum coverage.

Check Exclusions

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.

Maximum Coverage

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 kids or infants, 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, you should consider a plan that has maximum renewal age with a lifelong renewability option.

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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Q. How does a child insurance plan work?

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.

Q.Who are eligible for health insurance for children?

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.

Q.What is the waiting period for health insurance for children?

The waiting period for all the health insurance policies is the same. You can still reduce it by getting yourself an add-on.

Q.What is covered under a child health insurance plan?

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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