Health Insurance for a Newborn Baby in India

What is a Newborn Cover? 

Newborn Cover refers to medical insurance that covers the medical needs of newborn babies from birth. It is usually added to an existing family floater policy within 30-90 days, depending on the policy terms. 

Under Care Health Insurance, newborn cover comes with specific terms and conditions depending on the product variant.

When Does Newborn Cover Start? 

In Care Health Insurance’s medical policy, newborn coverage starts from 91 days of adding your newborn to the family floater plan. However, new born cover starts from day-1 under our Joy maternity health insurance, after serving a waiting period of 9 months or 24 months, depending on the plan chosen.  

What’s Covered in Newborn Policy from Care Health Insurance 

Care Health Insurance’s policy for newborn babies is designed to safeguard your little ones from unexpected medical expenses that can arise after their birth. Here’s a detailed outlook on what’s covered : 

Inpatient Hospitalisation Expenses 

If your baby needs to be hospitalised for injury, illness or any medical condition, health insurance for newborn babies will be your saviour. These expenses will cover room rent, nursing charges, doctor’s fees, and any other medical conditions. 

Neonatal Intensive Care (NICU) Charges

In case of premature births or medical complications during pregnancy, babies might require special care in the neonatal care unit. Our health insurance plan for newborns covers NICU charges up to the sum insured. 

Pre- and Post-hospitalisation Expenses

These include medical consultations, diagnostic tests, and medicines incurred within 30 days before hospitalisation, as well as follow-up visits and medical care after 60 days of discharge. 

Daycare Treatments

Newborn health insurance also covers daycare procedures that do not require 24-hour hospitalisation. These include advanced diagnostic treatments and minor surgeries. 

Common Exclusions of Newborn Health Insurance 

Knowing common exclusions of newborn health insurance helps you avoid any kind of surprises or claim rejections later on. Here are the most common things that you must be mindful of: 

Birth Defects 

Most health insurance policies don’t cover both internal and external congenital diseases. 

Vaccination Costs 

Any type of vaccinations given to maintain the newborn baby’s well-being are typically excluded from newborn health insurance. 

Experimental or Unproven Treatments

Procedures or therapies that aren’t widely accepted or lack sufficient medical evidence are excluded from newborn health insurance. 

Cosmetic and Aesthetic Treatments

Procedures performed for the purpose of enhancing the child’s appearance and not for medical necessity are not covered under 

Dental Treatments 

Routine dental treatments are typically excluded from newborn health insurance.

How to Add Your Newborn? 

Here are the steps you can follow to add your newborn to your existing Care health insurance policy: 

Step 1: Inform us about the birth within the allocated timeframe (90 days) to ensure that the coverage is promptly added

Step 2: Collect all the relevant documents, including the baby’s birth certificate, maternity hospital discharge summary, medical reports or any other form requested by the insurer. 

Step 3: Fill out the proposal form to officially add the newborn as a dependent on your family floater/maternity plan. 

Step 4: Our team will calculate the new premium based on the updated policy after adding your newborn. 

Step 5: You’ll be required to pay the difference amount to keep your policy active. 

How the Newborn Claim Process Works?

Here are the steps to file a newborn claim: 

• Inform the insurer and add your baby to the existing health insurance policy within the specified time after birth.
• For planned treatment, notify the insurer in advance. Whereas, for emergency hospitalisation, inform the insurer within 24 hours. 
• Opt for a cashless claim if the treatment is taken at a network hospital and a reimbursement claim in case of a non-network hospital. 
• Submit relevant documents such as policy details, hospital bills, and discharge summaries. 
• The insurer will verify the submitted documents and evaluate the claim in accordance with the policy terms and conditions. 
• Once approved, the claim amount will either be settled directly with the hospital or reimbursed to you. 

Importance of Early Enrollment for Newborns 

• Enrolling your newborns in a family floater policy within 90 days comes with numerous benefits, such as:
• Immediate coverage for vulnerable period: Newborns are highly prone to health risks, including infections, respiratory problems, and premature birth complications. Early enrollment of newborns ensures that these conditions, which require expensive neonatal intensive care (NICU), are covered from day one. 
• Cost-effectiveness: Adding a newborn to an existing family floater plan is less expensive than purchasing a standalone policy. It enables you to extend the same coverage benefits to your baby by paying only a minimal premium increase, ensuring comprehensive coverage for the entire family without financial strain.
• Peace of mind: Health emergencies can come unannounced and put unnecessary emotional and financial strain. Securing early coverage brings parents peace of mind, ensuring they can access quality medical care for their child without worrying about hefty medical bills.
• Continuous coverage: After enrollment, the child continues to receive policy benefits under the family floater plan until the specified age limit, ensuring lifelong renewability and uninterrupted coverage.

Why Choose Care Health Insurance?

Here are some solid reasons for choosing Care Health Insurance as your insurer: 

• Access to quality care at leading network hospitals: With a vast network of over 22,100 hospitals, you can count on timely, high-quality medical treatment without worrying about out-of-pocket expenses.
• Rewards, bonuses, and added benefits: Enjoy a range of rewards and bonuses such as cumulative bonus, cumulative bonus super, no claim bonus, wellness benefits, loyalty boosters, and more.
• Comprehensive healthcare coverage: Get comprehensive coverage, including inpatient care, day care treatment, pre- and post-hospitalisation expenses, road ambulance, new born birth defects cover etc.