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Child Health Insurance

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Parents work hard every day to nurture their children and secure their future. Comprehensive best child insurance plan in India that covers your child’s healthin 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.

What Does Health Insurance for Children Mean?

Children or Child health insurance is one of the types of health insurance policies that help cover the healthcare expenses related to hospitalisation, vaccination, medical emergencies and check-ups of kids.

Health insurance for kids ensures your financial security while providing complete medical assistance during an unforeseen emergency. Parents can either avail of individual health insurance for kids or put 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 implore you to buy health insurance for your children-

  • Low Immunity: Children have lower immunity than adults, especially newborns and premature children, as they are vulnerable to various minor and major infections. Thus, you need to protect it your child with promising and best child plan in India that covers their health and helps you financially.
  • Inflation: There has been a constant medical inflation over the years resulting in unaffordable and inaccessible treatments for the people who can’t afford ever-soaring medical cost. Therefore, buying a child insurance plan that keeps your child’s health secure is recommended.
  • 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 hospital. Hence, health insurance for children can be your absolute rescue in case of an emergency related to the pandemic or its prolonged effects.
  • Affordable Premium: Health insurance premium is 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 could need to draw from your funds to pay for your kids' medical care. This may impact the financial plans you have for your family as a whole, including your children, and may 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 Children Health Insurance Plan?

You must carefully examine your health insurance policy terms and choose the best child insurance plan  after determining what is covered and what is not-

  • Pre and Post-hospitalisation: Your Care Health Insurance for Hospitalization Before and After Pre and after hospitalisation costs are covered under the Children's Health Insurance Plan. This implies that if your child needs hospitalisation, we will cover the costs. As a result, choosing this plan gives you some assurance regarding prospective medical costs for your child.
  • Daycare Treatments: Our Children's Medical Insurance Plan also covers the cost of Daycare Treatments. These are operations that necessitate a maximum 24-hour hospital stay for your child. 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 help you with the reimbursement of ambulance expenses.
  • Domiciliary Hospitalisation: Coverage of treatment expenses that require you to start 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 Homeopathy, you can in cashless insurance or request reimbursement for the related costs.
  • Organ Donor Cover: Health policy for a child gives coverage of expenses incurred on an operation performed on the donor to remove the organ. Removed Organs should be used for insured members. Pre- and post-hospitalization expenses incurred on donor are not payable. The Donor should meet all the requirements as specified by GOI.

What is Not Covered Under Children Health Insurance Plan?

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 treatments required due to participation in hazardous activities.
  • Damage caused by a nuclear, chemical, or biological attack or weapons.
  • Illness or injuries caused due to 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

Child age limits in health insurance plans do not differ much across plans. However, Care Health Insurance offers the best child plan policy in India as there is no extensive list of terms and conditions. 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 Individial: 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, grand father, grand mother
Waiting Period Initial Waiting Period:30 days except for accidental expenses
Pre-existing Diseases Waiting Period:48 months of continued coverage

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-


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 and keep it for your children's future.

Decide on Policy Type

You should have a clear understanding of the type of policy that you want to choose for the child. Do you want a family floater medical insurance covering the whole family or do you want an individual policy for the child.

Check the Network Hospitals

Before making your buying decision, you should check the list of network hospitals with tie-ups with the best health insurance provider. You should also check that these hospitals should have experienced paediatrics and are located near by for hassle-free access.

Calculate Premium

Premium is the amount you must pay 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 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  when the insurance provider can reject the claim. So, you should choose the plan offering 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 hospitalisation, 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 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 a 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, making a timely investment in a child's health insurance is strongly recommended. 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 untoward eventuality.

FAQs on Health Insurance for Children


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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 review the terms and conditions to know more about the policy.

^^Number of Cashless Healthcare Providers as of 31st March 2024

**Number of Claims Settled as of 31st March 2024

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