Newborn Baby Health Insurance

Newborn baby health insurance offers complete financial safety by covering the insured for healthcare needs related to hospitalisation and other expenses including pre-hospitalisation, post-hospitalisation, modern daycare procedures, ambulance charges, etc.

Becoming a parent is definitely a beautiful phase of one’s life. The arrival of a new member in the family brings with itself great joy and excitement. While, at the same time it indicates a great sense of responsibility too for all the new parents. There are several things that need to be taken care of by the parents----- starting from making the home friendly for the baby to providing them with the best health care. The new responsibilities added onto the shoulders of the parents can be reduced to a significant extent by including their newborn baby in the health insurance plan for the family.

A newborn baby health insurance cover takes care of the medical expenses incurred for the hospitalisation of the newborn baby in case of unforeseen circumstances. Since purchasing an individual health cover for a newborn baby is not possible, the baby can be included with the parents in a family floater plan or under a group health insurance plan once he/she is at least 90 days old.

Need For Health Insurance For Newborn

Newborns require extra care and attention, especially in the initial few months, for sound health. This extra cares include getting their regular medical check-ups, medical treatments, and regular vaccinations done.

Medical emergencies are unpredictable. Also, the immune system of a newborn baby is weak initially because of which they are more prone to fall sick. Thus, it is wise to have a health insurance cover for a newborn baby to get the required medical treatment in times of need. In addition to ensuring timely medical treatment, a newborn baby health insurance plan also keeps the parents financially strong in difficult times.

Benefits of a Health insurance Plan with a Newborn Baby Cover

Some of the key reasons that make a health insurance policy with newborn baby cover beneficial are stated below:

  • Buying a health insurance plan with newborn baby cover ensures complete financial safety by offering a comprehensive cover for healthcare needs related to hospitalisation and several other healthcare expenses like pre-hospitalisation, post-hospitalisation, modern daycare procedures, ambulance charges, amongst others.
  • The health insurance policy helps you in achieving the much needed peace both financially as well as emotionally, as you are aware that your newborn is protected and safe during the time of health related emergency.
  • By securing your baby under a good health insurance plan, you can welcome your new bundle of joy, without needing to worry regarding the finances and security.
  • The premium payable towards the health insurance plan with a newborn baby cover is significantly much lesser in cost.
  • By buying a health insurance plan with a newborn baby cover, you can look ahead to increase your savings by claiming tax deduction under section 80 D of the Income Tax Act.
  • Some of the health insurance providers offer an yearly health check-up benefit that helps you in monitoring the health of your family including the newborn baby.
  • The health insurance policy with a newborn baby cover offers you a reward in the form of No Claim Bonus for staying healthy and not raising claim during the policy duration.

Documents Needed for Health Insurance for Newborn Baby Cover

Given below is the list of documents that you require at the time of adding your newborn baby to any Health insurance policy:

  • A birth certificate
  • A maternity discharge card
  • A photograph for cashless health card
  • Health reports stating the medical condition of newborn (if any)
  • Any other documents as asked by your respective health insurance provider

What are the Risks associated for not having Newborn Coverage Post First 90 Days of the Birth?

A lot of new joy and responsibilities knock at your door after the arrival of your newborn baby. Having a health insurance with a newborn baby cover is a great sigh of relief, however, in case, you are not having it, then you may have to go through financial stress for the reasons mentioned below:

  • A financial burden is created due to the postnatal expenses, and in case they do not get covered under the health plan, it gets a bit hard for the mother and newborn baby to avail quality health care.
  • With delivery many complications can arise that would require immediate hospitalisation. In case you do not have a proper health cover for your newborn, then you may need to arrange money on an urgent basis that can even take you under a huge financial debt.
  • Without having a proper health insurance cover, the newborn would not get supervision of the doctor, which is crucial to have a faster recovery post the delivery complications.
  • Without getting your newborn insured under a health insurance cover, you could end up meeting the hefty medical bills that can pose a financial strain on your growing family.

How Many Members Can Be Covered Under A Newborn Baby Health Insurance?

Newborn babies can be covered on a family floater basis along with their parent(s). Other members of the family can also be included in the family health insurance plan. It is advisable to select an insurance company that allows the parents to include the newborn at the earliest under the plan.

If the policy buyer wants to include several members of the family, then they can choose a health insurance company that allows them to customize the plan according to their needs and budget. Some insurance companies in India allow policyholders to avail of the plan benefits immediately after the birth of a child upon intimation of the same.

Factors to Consider When Buying Health Insurance Plans for Newborn

With many health insurance companies in the market offering newborn baby health insurance cover, it might be a tedious task to choose the most relevant one. To simplify the process, here are the important points which must be considered when purchasing a health insurance plan for a newborn baby.

1. Upgrading Feature: Most health insurance plans for newborn babies allow the parents to upgrade the plan coverage once the newborn completes 90 days. So, before buying a plan, one must make opt for the one that allows upgrading.

2. Premium: It is important to check the premium when buying a health insurance policy for newborn to ensure that it falls within the budget. Also, there are some health insurance plans that ask for an extra premium to cover the newborn baby while others do not. So, one should check the same before zeroing down any policy.

3. Plan Coverage: Different health insurance plans for newborns have different coverage features. Some offer cover for vaccination, prenatal and postnatal expenses, etc. while others do not. It is recommended to choose a policy with maximum coverage features so that the newborn can be protected at all times.

4. Co-Payment Clause: Some health insurance plans for newborn babies come with a co-payment clause wherein the parents are required to pay some amount from their own pocket at the time of claim. But health insurance plans with co-payment features come at a lesser premium comparatively. So, one should check the clause, if any, before buying the policy.

5. Exclusions: As important it is to know about the plan inclusions, equally important it is to know about the plan exclusions. So before buying a policy, read the same thoroughly and make sure your plan provides coverage for all your requirements.

How to Buy Health Insurance Plans For Newborn Online At InsuranceDekho?

Buying health insurance for newborns online at InsuranceDekho is an easy, transparent, and paperless process. All you have to do is follow the easy steps given below and you can own the policy without any hassle:

1. Visit www.insurancedekho.com. Click on the ‘health’ tab.
2. Select Gender and enter your Name. Then enter your Mobile number. You will receive an OTP on the given number. Please enter that.
3. Tell us when you can purchase the health insurance policy, and click on the ‘View Instant Quotes’ button to proceed.
4. If you want to add family members as well under the policy, then select them and their age and click on ‘Continue’.
5. Enter your Email ID and your city. Then click on the ‘Submit and View Quotes’ button.
6. You will see many health insurance quotes for individuals on your screen. Choose the most suitable one out of them as per your budget and other requirements.
7. Select the policy term. Then enter the required details. Pay the premium online via any flexible mode of payment offered through a secured gateway.

At InsuranceDekho, health insurance plans for newborns can also be purchased offline. For which, the customer care executives need to be contacted.

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FAQ About

  • Why is it important to get health insurance with a newborn baby cover?

    Many families today undergo financial pressure due to the continuous rise in the healthcare treatment cost. Therefore, it is significant to keep oneself safe with a family health insurance cover as health related emergencies can happen anytime. Moreover, newborns require the same level of health protection as other family members. Therefore, buying a health insurance plan on family floater basis with a newborn cover is very important to get the entire family covered under a single plan and it also ensures an affordable premium amount.

  • What all documents are required to purchase a health insurance plan with newborn baby cover?

    The following set of documents are required while including your newborn baby to a health insurance plan:

    • A birth certificate
    • A maternity discharge card
    • A photograph for cashless health card
    • Health reports stating the medical condition of newborn (if any)
    • Any other documents as asked by your respective health insurance provider
  • What is covered under newborn baby health insurance?

    Newborn baby health insurance plans offer several coverage benefits including vaccination expenses, coverage against hospitalisation expenses.

  • What is the waiting period for newborn baby health insurance?

    Health insurance plans for new born babies come with a waiting period during which no claims are admissible. The waiting period varies from plan to plan. In case you wish to cover the newborn baby against any unforeseen event, then you must add the child in your existing health insurance policy as it will cover the basic immunisation expenses.  

  • What is the eligibility criteria for a newborn baby health cover?

    There are some health insurance providers that offer coverage for newborn babies starting from the 1st day of their birth, which may vary from one insurance company to another insurance company. Generally, newborn babies are offered coverage under health insurance plans 90 days after their birth.

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