How to Protect Your Child During an Earthquake

Earthquakes are sudden and cause damage to both the houses and the finances of the families, but the damage does not have to extend to the child’s future. A Term Insurance Plan provides a death benefit that can allow the dependents of the insured individual and even their children to continue their lives without financial issues. Thus, your child’s future can be ensured along with their physical and emotional safety.

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Understanding Earthquakes and Their Impact on Children

An earthquake happens when the ground starts shaking due to the tension in the tectonic plates, and it causes the surface to shift and crack, along with houses and buildings to shake violently and fall. Children are also vulnerable during these times, as their needs for shelter, food, and medicine can be altered. They may not understand the situation fully and get stressed and anxious, and it rests on the elders to help them relax and understand the situation.

Advance preparedness for these natural events can help families in earthquake-prone regions to be ready. Financial measures are also required in case of an accident during the emergency. A Term Insurance Plan can help the family stay afloat despite an emergency or accident.

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How to Protect Your Child Before an Earthquake?

Preparing in advance helps reduce fear and confusion and allows children to respond more safely when an earthquake strikes.

Explain in simple words what an earthquake is and what actions they should take.
Teach children to “Drop, Cover, and Hold On” using age-appropriate demonstrations.
Secure heavy furniture, cupboards, and shelves to prevent them from falling.
Keep an emergency kit ready with water, snacks, medicines, and basic supplies for children.
Identify safe spots in every room, such as under sturdy tables or against inner walls.
Practise evacuation drills at home so children feel familiar with the process.
Keep important documents and emergency contact details accessible for quick use.

How to Protect Your Child During an Earthquake?

During the shaking, staying calm and following safety steps can significantly reduce the risk of injury to children.

Ask children to stay indoors and avoid running outside during the shaking.
Instruct them to drop to the ground, take cover under a strong surface, and hold on firmly.
Keep children away from windows, mirrors, and heavy objects that can fall.
If outdoors, guide them to move to an open area away from buildings, trees, and electric poles.
Reassure them with a calm voice to reduce panic and anxiety.
Avoid using lifts and staircases during the tremors.

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How to Protect Your Child After the Earthquake?

After the shaking finishes, children need physical care along with emotional reassurance to recover from the incident.

Check children immediately for injuries and provide first aid if needed.
Keep them close and avoid unnecessary movement until the surroundings are safe.
Comfort children emotionally, as tremors and worry may raise stress.
Provide clean drinking water and food to maintain their health.
Follow official instructions and avoid damaged buildings.
Resume routines gradually to help children regain a sense of normalcy.
Monitor behavioural changes such as fear, sleep disturbances, or withdrawal, and seek help if required.

How Term Insurance Secures a Child’s Long-Term Future

Earthquakes remain uncertain and may disturb both living and earnings. A Term Insurance Policy supports protecting your child’s tomorrow and providing monetary security to the household. Below are the main advantages of Term Insurance:

Financial Security for the Family: If the earning parent passes away in an earthquake, the Term Plan gives a death benefit, helping the child’s daily needs, education, and healthcare to continue without disruption.
Debt Repayment Support: Funds from Term Insurance can be used to clear loans, like home or car loans, so the family is not left with financial stress.
Continuity of Lifestyle: Ensures that children can maintain their standard of living, including housing, schooling, and essential expenses.
Peace of Mind for Parents: Feeling sure that the child’s future is safe financially helps parents give attention to their family’s care.

Supporting Family Recovery After an Earthquake

After an earthquake, while safety comes first, it is also important to check that your child’s financial protection is ready. Knowing the way to file a Term Insurance claim can help families receive funds quickly and keep life as normal. Filing a claim after a disaster follows normal procedures:

Inform the Insurer: Notify the insurance company as soon as possible.
Submit Documents: Provide the death certificate and any other required documents.
Proof of Cause: For some incidents, police or post-mortem reports might be needed for accidental deaths.
Claim Settlement: After checking, the insurer sends the sum assured directly to the nominee’s account.

Closing Thoughts

Children often feel worried or frightened when an earthquake happens because of strong shaking. However, early education and clear instructions can support them to stay calm and think sensibly during emergencies. Once the disaster subsides, the financial aftermath comes in, and without a proper plan in place, it can get difficult to handle the finances or maintain the usual life the individual had before the earthquake. The families that prepare for these events and choose a sound term life insurance plan can continue comfortably even if there is damage related to the earthquake.

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FAQs

Can insurance help families after an earthquake?

Yes. General insurance covers the physical damage to property, and Term Insurance supports the financial future of dependents if something happens to the insured individual.
Why is financial protection important for children after disasters?

Financial protection ensures that children continue their education and are able to afford basic necessities during disaster recovery periods.
Should parents consider Term Insurance for disaster situations?

Yes. Term Insurance provides long-term financial support and protects families against income loss from unexpected events. The Term Insurance provides long-term financial support and protects the families if there is an income loss due to sudden events.
What is the best Term Plan for parents?

The best plan is dependent on your personal needs, number of dependents, and future goals.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹360/month is the starting price for a ₹99 lakhs loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

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

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Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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