How to Get Health Cover for Your New Born Baby?

The birth of a child brings a sense of joy and responsibility both. With increasing health risks and the ongoing COVID-19 pandemic, we will agree that Health insurance plans are therefore critical to meet the health emergencies soon after childbirth. It covers medical expenses and even the cost of vaccinations. You can get your child insured in a family health insurance plan or maternity health insurance plan with a new-born baby cover. So don’t be frazzled and learn ways to meet the get health insurance cover for your newborn.

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    Health Insurance Plans with New Born Baby Cover

    Check out the table below with maternity health insurance plans that provide Newborn baby cover:

    Health Insurance Plan

    Sum Insured (Rs.)

    Coverage for New Born

    Activ Health Platinum- Enhanced Plan

    Rs 2 lakh- Rs 2 Crore

    Included

    View Plan

    Bajaj Allianz Health Guard Gold Family Floater Health Insurance Policy

    Rs 3 lakh- Rs 50 Lakh

    Up to 90 days

    View Plan

    Care Health Joy Health Insurance Plan

    Rs 3 lakh- Rs 5 lakh

    Day 1- 90 days

    View Plan

    Cholamandalam Privilege Healthline Insurance Plan

    Rs 5 lakh- Rs25 lakh

    Included

    View Plan

    Digit Health Insurance with Maternity Cover

    Rs 2 lakh- Rs 25 lakh

    Day 1- 90 days

    View Plan

    Future Generali Comprehensive Health Insurance ( Superior & Premier)

    Superior: Rs 15 L, 20 L, & 25 L

    Premier:  Rs 50 L- Rs 1 Crore

    Included

    View Plan

    Kotak Mahindra Premier Health Insurance Plan

    -

    From Day 1

    View Plan

    Manipal Cigna ProHealth Preferred Plan

    Rs 15 lakh- Rs 50 lakh

    Included

    View Plan

    Max Bupa Heartbeat Family Floater Plan

    5 Lakh-1 Crore

    From Day 1

    View Plan

    New India Assurance Mediclaim Policy

    Up to Rs 15 Lakh 

    Included

    View Plan

    National Parivar Mediclaim Policy 

    Rs 1 lakh- Rs 10 lakh

    Included

    View Plan

    Oriental Happy Family Floater Diamond Plan

    Rs 12 lakh- Rs 20 lakh

    Included 

    View Plan

    Royal Sundaram Lifeline Elite Plan

    25 lakh- 1.5 Crore

    From Day 1

    View Plan

    Smart Super Health Insurance Policy

    Rs 5 lakh- Rs 100 lakh

    Up to 90 days

    View Plan

    Star Comprehensive Insurance Policy

    Rs 5 lakh- Rs 1 Crore

    Up to 1 Year

    View Plan

    Tata AIG Medicare Premier Plan

    Rs 5 lakh- Rs 50 lakh

    Included

    View Plan

    Universal Sompo Complete Healthcare Insurance

    Rs 1 lakh- Rs 10 lakh

    Up to 91 days

    View Plan

    See More Plans

    Health Insurance for a New Born Baby

    The insurance policies that cover the child from their day of birth are rare. Once the baby completes 90 days, they become eligible for health insurance. Adding the child to the health policy of their family is also an available option like a family floater health insurance policy. Check the following when buying health insurance with maternity and child cover.

    Age: Children can be insured in their parent’s policy that covers early vaccinations and post-natal care. After completion of 90 days, the baby is eligible for insurance. However, some health insurance plans provide new-born baby cover from Day 1.

    Options: The insurance company must be made aware of the child’s birth, within the stipulated time. The plan advised offers insurance cover to the baby after 90 days or from Day 1, and more options can be added while renewing the policy.

    Required Documentation: While renewing the policy, a set of documents like a birth certificate and hospital discharge card may be required.

    Premium: Check the policy premium. After the submission of the required documents, the premium will be calculated. You can pay the premium and avail the policy benefits.

    If you are planning to buy maternity insurance cover, with new-born baby cover or a comprehensive health plan with new-born baby cover then you can speak to our health insurance experts at 1800-208-8787 or write to us at care@policybazaar.com

    Important Points to Remember

      • Floater policy can only cover the child until they reach 21 years
      • For issuing cashless card, a photo must be submitted to TPA
    Written By: PolicyBazaar - Updated: 09 August 2021
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    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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