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Everything About The Need To Buy A Health Insurance Plan For Kids

Published On Aug 23, 2022

It is the parent's responsibility to ensure their children get the best possible opportunities in life, so they would do everything in their power. Every parent wants to provide their children with all they want for a joyful and secure upbringing, including the greatest possible schooling and material possessions. In addition to providing for their financial needs, you should prioritise your children's health.

Kids are much more prone to sickness than grown-ups are because they have a weaker immune system, and certain infections specifically affect kids. Kids must also receive immunisations and have routine medical examinations as they develop in order to prevent them from various dangerous illnesses and a variety of other ailments.

Everything About The Need To Buy A Health Insurance Plan For Kids

Advantages Of Getting Healthcare Policy Online For Kids

The only reason to purchase a healthcare plan for your children is to ensure that they receive the finest health care possible in the event of a medical emergency. A couple of the advantages are as follows:

  • Comprehensive Coverage: It is typically provided by kid health insurance policies. A newly born child can be insured starting on their first day of life, and the coverage will pay for things like charges of stays at hospitals, newborn injections, etc.
  • Affordable Premium: Because there is less risk involved in covering children, the premium of health care for a kid's medical insurance policy is affordable
  • Extra Benefits: A kid's medical insurance policy provides extra advantages including specialist counseling and suggestions on food and nourishment.
  • Discount: The healthcare provider will give you an NCB (no claim bonus) relaxation if you didn't file any claims throughout the term of your last policy.
  • Financial Protection: Your kid's healthcare insurance coverage will lessen the economic load as medical costs continue to rise.
  • Ease Of Purchase: Nearly everything in our modern time may be performed online. A similar holds true for insurance. Contrary to the conventional physical purchase, buying kid healthcare coverage is now quite easy to do online.

Kid's Healthcare Policy Types

Policies for kid health coverage may be generally classified into two categories, both of them are mentioned and explained below.

  1. Family Floater Medical Coverage: On the premise of a floater amount covered, it offers health protection to a kid and the members of his family. It doubles the kid's medical insurance coverage, giving your youngster all-inclusive protection. These policies typically provide coverage for between four to seven family members (children included). It is very inexpensive to get a family floater plan for your kid since it provides additional protection at a reasonable cost.
  2. Children's Personal Health Insurance: It offers individualised protection for a kid on the basis of an individualised amount covered. Just the enrolled kid's medical costs are covered, and members of the family are excluded. This kind of personal health insurance policy for children costs less than the family floater one.

Exceptions In Indian Children's Healthcare Policies

Medical coverage for children excludes healthcare bills for the following:

1. Care for any wounds received when engaging in adventure activities.

2. Until the waiting time is ended, the kid will not get care for any conditions which already exist.

3. The covered kid's genetic abnormalities treatments are excluded.

4. Care for the covered kid's personality or behavioural issues.

5. Care for any wounds brought on by military clashes or nuclear dangers.


A cost-effective strategy to protect kids' health without depleting one's money is to get medical coverage for them. Early coverage for a kid might result in lower interest and costs of premium. Despite the availability of several policies, it is imperative that a parent select the one that is ideal for their kid.

Also read: Do Health Insurance Cover Dental Surgeries?

How To Claim Navi Health Insurance


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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