Is Child Vaccination Covered by Insurance?

Child vaccination forms the most crucial aspect of preventing diseases and ensuring a healthy future. WHO has stated that proper immunization can potentially avert over 3 million deaths every year. As such, child vaccination should be an essential part of your health insurance policy. Today, most health insurance policies for children come with in-built coverage against important vaccination regimes.

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Health Insurance Coverage for Child Vaccination

Vaccines have singularly brought down mortality rates among children. Every year, it saves millions of kids from losing their lives due to diseases and infections. It has been observed that proper vaccination can prevent nearly 29% of child deaths (below the age of 5) from occurring in India. However, the Indian mindset is plagued with the belief that anything healthcare relate is expensive. This thought keeps a lot of parents, especially in rural areas, from vaccinating their children. 

The most straightforward solution here is to invest in health insurance. If you are wondering if child vaccination is covered by your insurance policy, the answer is ‘Yes’. Health insurance plans that cover child vaccinations are offered by nearly every leading insurer in India. These plans have proven to be extremely helpful in bringing down the mortality rate in the country. Therefore, you must choose a health insurance policy that covers child vaccination. 

List of Mandatory Child Vaccines

Timeline Name of Vaccine Dosage / Regime
At Birth BCG Vaccine for Tuberculosis Once
Oral Polio Vaccine Multiple Doses
Hepatitis B (Hep B) 3 Doses
At 6 Weeks DTP Vaccine Once
Haemophilus Influenza B Virus (HIB) 3 Doses
Rotavirus 3 Doses
Typhoid Conjugate Vaccine Once
After 9 Months MMR Vaccine for Measles 2 Doses
After 12 Months Hepatitis A 2 Doses

Note that most insurers cover the cost of the first doses of the mandatory vaccines from the date of birth till the age of 1 year. 

How to Get Insurance Coverage for Child Vaccination?

Most insurers offer health insurance packages that come with in-built maternity benefits. Under these benefits, the mother and the child are entitled to postnatal care which comprises coverage against mandatory vaccination for the child. For vaccines that require multiple shots, subsequent shots after the first one may or may not be covered. The features and benefits of maternity coverage vary across insurance providers and one should check with them before claiming benefits. 

Further, the vaccine coverage with maternity benefits is only offered for the initial 6 months to 1 year from the date of birth. Beyond this period, you shall have to add your child as a separate member of your family floater health insurance policy to avail benefits against them. Moreover, the cost of vaccination is subject to a certain limit of the sum insured. Beyond this, the insured has to pay pay-of-pocket to cover child vaccination charges. 

Alternatively, you can invest in the additional newborn care add-on feature with your health insurance policy if the terms and conditions permit. Such add-on features are not expensive and cover the vaccination needs of a child right from the time they are born.

Examples of Health Insurance Plans with Child Vaccination Cover

Insurance Provider Name of the Policy
Star Health  Comprehensive Plan
Aditya Birla Activ Assure
Royal Sundaram Insurance Company
  1. Family Plus Insurance Plan
  2. Lifeline Health Insurance Plan
Religare Health Insurance Care Advantage Health Insurance Plan 
Tata AIG MediCare
IFFCO Tokio Family Health Protector Policy
Niva Bupa Insurance Company
  1. Health Companion Plan
  2. Heartbeat Plan
Manipal Cigna Pro-Health Insurance Plan

* Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer. 

Summing Up!

Remember that vaccination is critical if you want a healthy future for your child. If not, you may have to incur even greater costs in the unfortunate event that they are diagnosed with a major disease in the future. Child vaccination is covered by most health insurance policies. However, the specificities of each plan may differ across the insurers. Therefore, always check with them to make an informed decision.

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