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Best Children Health Insurance Plans In India

Updated On Sep 17, 2021

Considering the ongoing coronavirus pandemic and the complications of the uncertainties in an individuals life, it has come to the realisation of many that having a health insurance cover is a wise choice as it protects the people against the high costs of treatments and saves the financial savings of the policyholders from getting exhausted. The need for health insurance cover is extended to all regardless of their age. Everyone in a family must be insured within a suitable health insurance policy to get financial backup for their medical treatments. You can invest in a suitable family floater plan to insure yourself along with your spouse, children, and dependent parents.

Children must be protected against any health issues as they have a low and building immunity when compared to the adults, for which it is necessary to ensure them quality treatment in private hospitals with no concerns regarding the medical dues. You can cover your children under a family floater plan along with the parents at a good price and shield them from any unforeseen events or you can buy an individual child health insurance plan. You can compare the family floater plans or other available plans by different insurance providers and choose the one that meets your demands at an affordable price.

Best Children Health Insurance Plans In India

Best Children Health Insurance Plans In India

Following are some of the best deals that are available for insuring your children under a suitable children health insurance plan at an affordable price:

1. SBI Life Smart Champ Insurance Cover

This child health insurance plan by SBI health insurance firm is a comprehensive and affordable plan to protect your child against high costs of medical treatments that can incur due to an emergency. The entry age for this plan ranges from 21 to 50 years and the annual premium adds up to Rs. 6000. The maturity age of this plan is around 70 years and it offers a claim amount of up to Rs. 1 Lakh to the policyholders.

Must Read: How To Claim Children Health Insurance?

2. Kotak Head Start Child Assure Plan

This is an individual child health insurance plan by Kotak health insurance company and it is available for children between the ages 18 to 60 years. With a maturity age of 70 years, this plan has variants available for the customers in case of premium payments. Therefore, the policyholders can choose to pay a certain amount as premium based on their financial expenses.

3. HDFC Ergo Optima Restore Plan

This is a family floater health insurance cover by HDFC Ergo Health Insurance and it can include children along with their parents. This plan provides perks like stay active discount, AYUSH treatment costs, ambulance charges, room rents, hospitalization costs, etc. to its policyholders. The claim amount for this plan is around Rs. 3 Lakh to Rs. 50 Lakh with the limit of maximum entry age to be 65 years. Waiting period on certain ailments is also applicable according to the insurer and it may differ depending on the type of plan chosen.

4. Exide Life Mera Ashirwad Plan

This child health insurance plan by Exide health insurance is a wise choice as it offers a claim amount of around Rs. 3.5 Lakhs and it also protects the people between the age 21 to 50 years. The maturity age of this cover is 65 years and it can be bought as a cost-effective plan for your children.

5. TATA AIG Mediprime Health Insurance Cover

This family floater cover has a maximum entry age of 65 years and therefore, you can include your children under this plan. It offers some basic features like hospital cash benefit, AYUSH treatments, pre and post-hospitalization costs, domiciliary expenses, inpatient costs, etc. The claim amount for this plan ranges from Rs. 2 Lakh to Rs. 10 Lakh with a wait for pre-existing diseases of around 4 years.


You must conduct your own research and compare various plans before putting your money in a certain health insurance plan. You must carefully read the fine print of your policy to know the inclusions and exclusions in your plan. You can get tax deduction perks on your purchased health insurance plans.

Also Read: Benefits of Health Insurance Plans For Children

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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