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Newborn Protection With Health Insurance Policy

Published On Nov 17, 2020 5:30 AM By Sakshi Aggarwal

Being parents is a lucky experience. Having a new member of the family makes the environment happier. The dynamics of the family also changes. Parents feel this as a responsibility to protect their children from any harm. One of the best ways to protect your child is to secure their life. Since life protection is an aspect of the medical sciences, the thing you can do on your end is to provide them an ideal health cover so that when medical attention is needed, money should never be a deciding factor.

Health Insurance Policy for Newborn

There are fewer individual policies for a newborn and thus, you can have health coverage for your newborn with the help of your family floater plan. This plan gives coverage to each member of your family. A newborn baby can also be added to the family floater plan. This plan would provide coverage during any medical emergency. All the necessary vaccinations and hospital charges if any would be covered under the family floater till the child reaches the eligibility age to have his/her own health insurance.

After reaching 90 days the newborn children are eligible for health insurance. Before that time, it is considered too big a risk by insurance companies to insure them.

Maternity Coverage for a Newborn

There are maternity coverages that can make your newborn’s health secured under the policy. Even before the baby is of the apt age, a maternity plan can be availed. This would cover the expenses of the newborn baby and their treatments or vaccinations. This coverage also protects the mother when she is pregnant and provides security throughout her pregnancy.

Waiting Period and Coverage in Newborn health policy

There is an apt age when any individual can have a health insurance policy. Such duration is known as the waiting period. The waiting period of a newborn is approximately 9 months to 24 months approximately. The coverage provided to a newborn can be availed only after the baby turns 90 days old.
The sum amount of the coverage can range from Rs. 30,000 to Rs. 3 lakh depending on the health insurance companies. The premiums are also low in the case of newborn coverage.

Also Read: Why is it Important to Have a Health Insurance for Newborns

Benefits of a Newborn Coverage

  • It protects the newborn baby from any high medical or surgical expenses.
  • Assured health coverage to the newborn
  • Individual coverage, like any member of the family.
  • Low premium and high sum amount included in the coverage.
  • Provides security and help at times of emergency.


As health insurance has been on the list of essentials for an individual, parents have to make the life of their baby secured. The best way one can such assurance is by having a health coverage plan for the baby. So health insurance is hassle-free and provides excellent support at times of need.

You May Also Like to Read: Health Insurance Policies for Newborn Babies in India

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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