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      Child Health Insurance Plans

      Children need special care right from the time they are born until they become an adult. But given the increase in food adulteration, pollution and poor lifestyle & food habits, kids today are highly prone to various health problems. With the cost of healthcare spiralling out of control in India, it would definitely be a good idea to invest in a children health insurance policy.

      Read More

      What is Children Health Insurance?

      Children health insurance is a type of health insurance policy that covers the healthcare requirements of kids. It is designed to cover the medical expenses incurred on hospitalization, vaccination and clinical check-ups of children. It financially secures the health of a child by offering monetary support to the parents when the child falls sick, gets injured or is diagnosed with a disease.

      A child health insurance plan can be purchased for infants, pre-teens as well as teenagers. Parents can purchase children health insurance plans and avail quality treatment for their kids at the right time.

      List of Children Health Insurance Plans in India

      Take a look at the various child health insurance plans available in India:

      Children Health Insurance Plans Sum Insured  (Rs) Key Benefits
      Aditya Birla Activ Assure Diamond Plan Min - 2 lakh
      Max - 2 crore
      Vaccination cover
      Day care treatment
      In-patient hospitalization
      Domiciliary hospitalization
      View Plan
      Bajaj Allianz Health Guard Plan Min - 1.5 lakh
      Max - 1 crore
      Newborn baby cover
      Road ambulance charges
      Day care procedures
      Pre-post hospitalization
      View Plan
      Bharti AXA Health AdvantEDGE Plan Min – 2 lakh
      Max – 3 crore
      OPD for medical and dental
      Newborn baby cover
      Vaccination for newborn baby
      Personal accident cover
      View Plan
      Care Plus Health Insurance Plan Min – 3 lakh
      Max – 25 lakh
      Hospitalization expenses
      Newborn baby cover
      Outpatient consultations
      Unlimited e-consultations
      View Plan
      Cholamandalam Healthline Plan Min – 2 lakh
      Max – 25 lakh
      Newborn baby hospitalization
      Child hospitalization allowance
      Outpatient treatment
      Emergency ambulance expenses
      View Plan
      Digit Health Care Plus Plan Min – 2 lakh
      Max – 3 crore
      Dental treatment
      Newborn baby benefit
      Long hospitalization cash benefit
      OPD benefit
      View Plan
      Edelweiss HealthPlus Plan Min – 1 lakh
      Max – 5 crore
      Outpatient consultations
      Newborn baby cover
      Vaccination cover
      Home care treatment expenses
      View Plan
      Future Generali Health Total Plan Min – 3 lakh
      Max – 1 crore
      Day care treatment
      Child vaccination benefits
      Newborn baby expenses
      Outpatient medical expenses
      View Plan
      IFFCO Tokio Individual Medishield Plan Min – 50,000
      Max – 5 lakh
      In-patient hospitalization
      Critical illness
      Day care treatment
      Ambulance charges
      View Plan
      Kotak Mahindra Health Premier Plan Min – 3 lakh
      Max – 2 crore
      Pre-post hospitalization medical expenses
      Newborn baby cover
      Vaccination expenses
      Air ambulance cover
      View Plan
      Liberty HealthPrime Connect Plan Min – 10 lakh
      Max – 1 crore 
      In-patient hospitalization
      Newborn screening expenses
      Newborn vaccinations
      Nursing allowance
      View Plan
      ManipalCigna ProHealth Insurance Plan Min – 2.5 crore
      Max – 1 crore
      Worldwide emergency cover
      Day care treatment
      First year vaccination
      Newborn baby expenses
      View Plan
      Max Bupa Health Premia Plan Min – 5 lakh
      Max – 3 crore
      Child care benefits
      OPD treatment
      Pharmacy and diagnostic services
      Vaccination of newborn baby
      View Plan
      National Parivar Medicliam Plan Min – 6 lakh
      Max – 50 lakh
      Vaccination for children
      In-patient treatment
      Anti rabies vaccination
      Newborn baby cover
      View Plan
      New India Premier Mediclaim Plan Min – 15 lakh
      Max – 1 crore
      OPD treatments
      Child care benefit
      Hospitalization expenses
      Critical illness
      View Plan
      Oriental Happy Family Floater Plan Min – 2 lakh
      Max – 20 lakh
      Newborn baby cover
      Telemedicine expenses
      Daily hospital cash allowance
      Day care treatments
      View Plan
      Raheja Health QuBE Min – 1 lakh
      Max – 50 lakh
      In-patient hospitalization
      Daily allowance
      Domiciliary hospitalization
      Non-medical expenses
      View Plan
      Reliance HealthWise Plan Min – 1 lakh
      Max – 5 lakh
      Nursing allowance
      Critical illness
      Pre-post hospitalization expenses
      Modern treatment
      View Plan
      Royal Sundaram Lifeline Insurance Plan Min – 2 lakh
      Max – 1.5 crore
      OPD treatment
      Newborn baby cover
      Vaccination for newborn baby
      In-patient care
      View Plan
      SBI Arogya Plus Plan Min – 1 lakh
      Max – 3 lakh
      Day care expenses
      OPD treatment
      Pre-post hospitalization expenses
      Alternative treatment
      View Plan
      Star Comprehensive Insurance Plan Min – 5 lakh
      Max – 1 crore
      Outpatient consultation
      Hospitalization expenses
      Treatment of the newborn
      Air ambulance benefit
      View Plan
      Tata AIG MediCare Premier Plan Min – 5 lakh
      Max – 50 lakh
      High end diagnostics
      Vaccination cover
      OPD dental treatment
      Prolonged hospitalization benefit
      View Plan
      United India Family Medicare Plan Min – 3 lakh
      Max – 25 lakh
      Modern treatment methods
      Newborn baby cover
      In-patient hospitalization expenses
      Daily cash allowance
      View Plan
      Universal Sompo Complete Healthcare Insurance Plan Min – 1 lakh
      Max – 3 crore
      Ambulance cover
      In-patient hospitalization
      Domiciliary hospitalization
      Day care procedures
      View Plan
      See More Plans

      Why Should You Buy Health Insurance for Children?

      Investing in a children health insurance policy is immensely useful for your child in the long run. Take a look at the reasons why you should buy a children health insurance plan for your kids:

      • Prone to Injuries –Young children are more prone to accidents as they don’t know how to take care of themselves. Infants can also get easily hurt while learning to walk and run. As a result, kids easily get injured. With health insurance for kids, you do not have to worry about paying for your child’s treatment as it will be taken care of by the insurance provid
      • Weaker Immunity –Kids are more vulnerable to catching an infection or contracting a disease because they have a weaker immune system as compared to adults. Frequent visits to the hospital can impact your finances adversely. But in the case of a child health insurance policy, the treatment cost of any unforeseen disease or infection contracted by your kid will be covered by the insurer. 
      • More Risk Exposure Usually, children are more exposed to diseases, viruses and infections because they go out to play often and are not mindful about taking precautions. For instance, kids may eat something without washing their hands and fall sick. A child health insurance policy allows you to ensure the best medical treatment for your kids without exhausting your savings. 
      • Poor Lifestyle Habits The lifestyle of children has become poor over the last couple of decades. More children are ditching physical activities for watching TV and playing games on phones. Even eating habits have deteriorated as more kids prefer junk food over home-cooked food. As a consequence, children have become more prone to lifestyle diseases. But if your child is covered under health insurance, it will pay for their treatment of a variety of health problems.

      Types of Children Health Insurance Plans

      Broadly, child health insurance plans can be divided into two types:

      1. Family Floater Health Insurance– It provides medical coverage to a child along with their family members on a floater sum insured basis. It provides comprehensive protection for your child by doubling up as a children health insurance policy. Such plans generally cover about 4 and 7 members of the family, including children.  Going for a family health plan for your child is more financially feasible as it offers wider coverage at an affordable premium.
      2. Individual Health Insurance for Kids– It provides customized coverage for a child on an individual sum insured basis. It only covers the medical expenses of the insured child and not of other family members. As compared to family floater plans, this type of child health insurance plan is available for a lower premium. 

      Read More: How to Get Health Cover for Your New Born Baby?

      Inclusions of Children Health Insurance Plans

      A child health insurance plan provides the following coverage:

      • In-patient Hospitalization Expenses –It covers the medical expenses incurred on the hospitalization of the insured child for more than 24 hours. It includes the ICU charges, cost of medicines, diagnostic services, room rent, nursing charges, etc.
      • NewbornBaby Cover – It provides coverage for the medical expenses incurred on the neonatal care of a newborn baby. This cover is usually available as part of the maternity benefit if opted by the mother of the baby.
      • Day Care Treatments –It covers the cost of availing day care treatments for the insured child that requires a maximum hospital admission of less than 24 hours.
      • Pre-hospitalization Expenses –It pays for any medical expenses incurred by the insured child before getting admitted to a hospital. It is usually available for 30 to 90 days before hospitalization.
      • Post-hospitalization Expenses It covers the cost of any medical consultations or healthcare services availed by the insured child after getting discharged from the hospital. It is usually covered for 60 to 180 days after hosp
      • Vaccination Cover –It pays for the medical expenses incurred on the vaccination of a newborn baby in the first year. This cover is also available alongside the maternity benefit cover opted by the baby’s mother.  
      • OPD Treatment It covers the cost of availing outpatient consultations, dental treatment or diagnostic services for the insured child.
      • Ambulance Charges –It provides coverage for the charges incurred on availing ambulance services to transport the insured child to the nearest hospital during a health emergency.
      • Domiciliary Hospitalization It pays for the medical expenses incurred on the treatment of the insured child at home on the advice of a qualified doctor.

      Exclusions of Children Health Insurance Plans in India

      The following medical expenses are excluded under health insurance for kids:

      • Treatment for any injuries sustained during participation in adventure sports
      • Treatment forpre-existing diseases of the child until the waiting period is over
      • Treatment forany congenital disabilities of the insured child
      • Treatment for personality or behavioural disorders in the insured child
      • Treatment for any injuries sustained due to war or nuclear perils

      Benefits of Buying Children Health Insurance Plans

      Children health insurance plans come with the following key benefits:

      • ComprehensiveMedical Coverage  It covers the insured kid against a wide range of medical expenses, such as hospitalization costs, treatment for accidental injury, vaccination costs, OPD consultations, etc. Some plans may also offer value-added services like free health check-up facilities.
      • Financial Security –By buying a children health insurance policy, your child will be financially protected against any unforeseen medical emergencies at any given point in time. 
      • No Compromises on Treatment It prevents you from compromisingon the treatment of your child due to financial constraints. Instead, it allows you to get the best available treatment for your child.
      • Cashless Hospitalization Services –All child health insurance plans come with cashless hospitalization services if you get your child admitted to a network hospital of your insurance company for treatment.
      • Family Discount If you choose to cover your child under your health insurance policy on an individual sum insured basis, you will be able to avail a family discount on the premium amount.
      • Tax Benefits You can avail tax-saving benefits on the health insurance premium paid for your child’s policy under Section 80D of the Income Tax Act.

      Children Health Insurance Eligibility Criteria

      Take a look at the eligibility criteria to buy a child health insurance plan in India:

      Categories Eligibility Criteria
      Minimum Entry Age 91 days
      1 day (in the case of a newborn baby)
      Maximum Entry Age Up to 25 years
      Exit Age If the child is no longer financially dependent on the parent

      Please note that children below the age of 5 years can only be covered if at least one parent is covered under the health plan. 

      Moreover, the eligibility criteria may vary from one child health insurance plan to another.

      Tips for Choosing the Right Children Health Insurance Policy

      Take a look at some useful tips to choose the right health insurance plan for your child:

      • Check the Sum Insured– Before you choose a child health insurance plan, you must check the sum insured of different plans. You must go ahead with a plan that comes with the optimum sum insured to cover the various medical expenses of your child. If you opt for lower coverage, you will have to pay money from your own pockets during the claim settlement. If you opt for a higher sum insured, you will have to pay a higher premium.
      • Check the Policy Coverage Besides sum insured, you should also check the coverage offered by different children health insurance plans. Choose a plan that provides the desired coverage to your child at an affordable premium price.
      • Go for Newborn Baby Cover – If you are planning to start or expand your family, then make sure to opt for a child health insurance plan that comes with a newborn baby cover. Doing so will cover your newborn baby against any infection due to weather changesor pathogens from day 1.
      • Read the Policy Exclusions All health insurance plans for kids come with certain exclusions. While buying the policy, make sure to go through the exclusions of the plan carefully so that you are clear of what your child will not be covered for. In case any of your desired covers are excluded from a plan, buy another health
      • Opt for Suitable Add-on Covers – At the time of buying a children health insurance policy, include any necessary add-on covers to your policy, such as no room rent, no sub-limits, etc. By buying add-on covers, you can reduce your out-of-pocket expenses in case your child gets sick or hurt in an accident.
      • Check for Nearby Network Hospitals Make sure to go through the list of network hospitals of an insurance company before choosing a child health insurance plan. Prefer to buy the policy from an insurer, which has a few network hospitals near your house. This will be extremely useful when you need to avail cashless hospitalization facility for your child.
      • Compare Children Health Insurance Plans Online – Before you make the final pick, make sure to compare all child health insurance plans online at Policybazaar.com. By making a comparison, you will be able to choose the best plan for your child at an affordable price.

      Common Mistakes to Avoid While Buying a Children Health Insurance Plan

      A lot of people make certain mistakes while buying health insurance for their kids that cost them heavily later. Here are some common mistakes to avoid while buying a child health insurance plan:

      • Opting for Lower Coverage Do not buy a children health insurance plan with lower coverage just to reduce the premium. A plan with lower coverage may not cover your child’s health needs completely. As a result, you will have to pay for the additional medical expenses from your own pockets as they will not be paid by the insurer.
      • Hiding Your Child’s Medical History –Do not hide your child’s medical history from the insurance provider. Doing so can lead to rejection of future claims and cancellation of the policy in case the insurer finds out later. Therefore, make sure to disclose your child’s medical history truthfully to the insurance company at the time of buying the policy.
      • Overlooking the Co-payment Clause – Do not ignore the co-payment clause in your child’s health insurance plan. Co-payment increases your out-of-pocket expenses during claims as it requires you to pay a part of the claim amount. If you overlook the co-payment clause and end up buying a policy with a high co-payment, it will impact your savings adversely.
      • Relying on Group Health Insurance Policy Do not rely completely on the group health insurance plan offered by your employer to cover your child’s healthcare needs. Group health plans are usually insufficient to cover the health needs of all the family members and may result in a shortage of coverage for your child at the time of need. Thus, make sure to buy a separate health insurance policy for your child that provides comprehensive coverage to your child.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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