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6 Reasons Your Child Needs Health Insurance

Importance of Health Insurance for Children


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Parenting is a wonderful phase of life. It’s always good to see your child blooming like a flower every day. Being responsible parents, you do every little thing to bring up your child with the utmost care. But, growing inflation and skyrocketing medical costs can create a hindrance in your child’s future. Health insurance for children is a great way to protect them from uncertain contingencies. So, if you still in a dilemma about whether to opt for a health insurance plan for your kudos, then read this article till the end to know the reasons why you need to cover your child under an umbrella of a comprehensive health insurance policy.

1.Cashless Hospitalization

Your kids are the apple of your eyes. You cannot even think about any misfortune happen to them. But, with sound health insurance, you do not need to worry at all. If any medical emergency knocks your door, health policy covers all the expenses that incur due to hospitalization, treatment, and medication. You do not require arranging or borrowing cash from outside. You can easily afford your baby’s treatment without facing a cash crunch. 

2.Cover Pre and Post Hospitalization Expenses

Health insurance covers pre and post hospitalization expenses that you may incur during your child’s treatment. You are required to submit all medical bills within 30 to 60 days of hospitalization for reimbursement. With the right medical insurance cover, you get your money back and do not need to pay hefty medical bills from your pocket.

3.Treatment in Network Hospitals

Network hospitals are the paneled hospitals where you can take your child for the treatment. You can choose any network hospital according to your locality and convenience. These hospitals are well-facilitated and have highly experienced medical professionals. You do not need to wander from one hospital to another during an emergency. 

4.Annual Health Check-Ups

The costs of annual health check-ups and diagnoses are skyrocketing these days. Under the health insurance plan, you and your loved ones get annual health check-ups. It saves your bunch of money on diagnosis and tests every year. With regular check-ups, you can keep track of your children’s health. 

5.Tax Benefit

Under section 80D, you can avail of tax benefits on the premiums that you pay for health insurance for dependent parents, children, and spouses up to Rs.50,000. However, the taxable amount is subjected to your income and age. It also reduces your taxable income, which reflects less tax liability as well.

6.Secure Future

With the right health insurance cover, you do not need to worry about your children’s future. You can save your money for their upbringing, education, and marriage, while health insurance plan takes care of their healthcare needs and secure their future. So, they can achieve all success and live a good life in the future.

Bottom Line

Therefore, from financial security to healthcare needs, the right health insurance policy has everything. Growing pollution, lifestyle diseases, and wrong eating habits creating serious health problems for children and a bigger hole in your pockets. So, to avoid such financial implications, choose a family health insurance plan offered by Care Health Insurance (Formerly Religare Health Insurance). Its family floater gives health insurance for children and acts as your supporting pillar during any medical crisis while you can focus on the recovery of your loving child.


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