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Understanding Vaccination Coverage in Your Health Insurance Policy

Vaccinations are a must for children under five years of age and pregnant women, as it helps them to protect themselves from many life-threatening diseases. Vaccinations are also responsible for decreasing the mortality rate of children in India. Generally, many Health insurance plans that offer maternity coverage also cover vaccination expenses of children up to one year of age. As this differs between Health insurance providers, it is good to check on this feature with the insurance provider before purchasing the policy.

Insurance Companies That Extend Their Policy Cover for Vaccinations in India:

Almost all health insurance policies cover vaccinations, and this additional cover is not much expensive. Some insurance providers extend the scope of the vaccine beyond mere maternity cover and the amount insured will be determined by the health insurance company. Some best Insurance policies that cover vaccinations are as follows:

1. Activ Assure from Aditya Birla

This plan renders extensive coverage for the baby’s health as it covers health checks, hospitalization care, and also the expenses incurred in vaccination. The plan offers about Rs. 10,000 for the vaccination and is applicable for the sum insured of Rs. 1 crore and above. Thus with the help of this insurance plan, it is possible to get the child insured against many serious illnesses and complications and ensure them a healthy lifestyle. Apart from vaccination coverage, the scheme also offers additional benefits such as a no-claim bonus, critical illness cover, domestic and international emergency assistance, etc.

2. IFFCO Tokio – Family Health Protector Policy

This health insurance plan covers all the family members at an affordable premium, and also comes with vaccination coverage. The plan offers tremendous coverage against vaccination expenses and health check-ups and safeguards the life of the child in the long run. The best feature of this family health protector plan is that it renders critical illness cover and covers expenses of AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy) treatment as well.

3. Pro Health Insurance Plan From Manipal Cigna

This plan has been designed to render complete protection against any medical exigencies and is designed with unique features to cover all unexpected medical emergencies, maternity benefits, and medical treatment of the newborn baby. Critical illness cover, health rewards, and cover for the newborn baby, including vaccinations are the unique features of this plan.

4. Family Plus Insurance Plan from Royal Sundaram Insurance Company

This is an expert insurance policy with vaccination coverage benefits at an affordable premium cost. The plan covers the insurance of 19 relationships of the insured and is thus an excellent plan for large families. The plan renders maternity coverage up to two deliveries including the vaccinations of mother and child and also covers vaccination charges of animal bites, up to Rs. 5000.

5. Health Companion Plan from Max Bupa Insurance Company

This dedicated health insurance plan covers the vaccination cost of newborn, maternal vaccination cost, and the cost of vaccination for an animal bite (up to Rs. 5,000). The benefit is available on a reimbursement basis.

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Bottom Line

Thus a good number of insurance policies offer vaccination cover, but policyholders have to understand clearly the vaccines that are included and excluded. This will help to prevent claims rejection and helps policyholders to make an informed decision.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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