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Child Health Insurance or Newborn Baby Cover– Concept, Importance & More

Published On Mar 03, 2020 5:30 AM By Yamini Sharma

When it comes to buying health insurance, usually adults and senior citizens are considered suitable. 

Most people have a perception that if anything goes medically wrong, it will take place either with them or the elder members of the house.  

However, the fact is that an unfortunate medical emergency situation can occur with children as well. 

It is sad, but real that child health insurance is not given much importance even in today’s time. 

In fact, it can be said that child health insurance gets neglected most of the time as a huge number of policy buyers tend to focus more on themselves and their elderly parents when looking for a health insurance policy

As a result of this negligence, when a medical emergency takes place with their children, policyholders like such find themselves financially helpless. 

If you want to make a smart health insurance investment and avoid the same from happening to you, go for child health insurance today itself. 

Reasons to buy child health insurance?

Children are more prone to diseases as they have low immunity levels. No one knows when their child will fall ill. Having a child health insurance by their side, helps parents ensure that they are never out of funds to provide their kids with the desired medical care. 

Child health insurance is also a must because it allows children to undergo high-quality medical treatment  and proper care without compromising on any level. Uninsured children are less likely to receive routine care and adequate treatment, thereby, leaving them more prone to diseases and illnesses. 

You would also like to read : Child Health Insurance Plans - All You Need to Know 

Health insurance for newborn baby?

Since we are discussing child health insurance, the significance of health insurance for newborn baby cannot be ignored. 

They say parenthood comes with multiple responsibilities. One such responsibility that every parent has towards their newborn is getting his or her health insured.  

While it may be impossible for you to find a dedicated policy covering newborn, getting the little one insured by adding him or her under the family floater plan would be a great alternative to go with. 

While most health insurance companies provide health insurance cover to infants after they have completed 90 days, there are also names like Religare with JOY Maternity Insurance Plan that provides coverage for medical bills of a newborn baby for up to 90 days from the date of birth. 

As far as other expenses like pre & post natal, vaccination and others are concerned, you will find many plans offering the same. 

A few examples of health insurance covering newborn baby expenses include :

Child health insurance or newborn baby cover – How to choose? 

Ready to make one of the most health insurance policy purchases? Make sure you keep a few major points in mind before going ahead with your health investment. 

Key factors to consider

  • Waiting period – By what time your child or newborn will become eligible for coverage. 
  • Coverage – Different types of expenses covered under health insurance.
  • Premium – Whether there is an additional cost to get your child covered.
  • Documents required – Documents like birth certificate, discharge card and others required to include the child.
  • Terms & conditions – Whether there are separate set of conditions required to comply with to allow the addition. 

Also Read

Insurers Can Now Charge on the Basis of Facilities Offered in Hospitals

Health Insurance for Parents - Factors to Consider & Plans Available


Have any questions in mind regarding child health insurance? 

Need more information on health insurance for new born baby or new born baby coverage? 

Give us, InsuranceDekho, a call at 18001205698 to talk to our experts right away!

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