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Exclusions Frequently Found in Child Life Insurance Policies

Updated On Mar 22, 2022

The first and most important obligation is to have good financial planning in place in order to create a safe and secure future for your children even if you are not present. These plans will assist your children in receiving financial support as they progress through life's significant milestones. Child plans are kinds of life insurance that play a significant role in assisting parents in achieving these goals. Some of the Child Plans are specifically developed with the reality that life is unpredictable in mind. The plan gives you the option of life insurance as well as recurring payouts at key junctures in your child's life. Child insurance programs can help you increase your money and build an investing corpus for future growth.

Exclusions from Child Insurance Plans

Some of the exclusions are not covered by the Child Insurance Policy. A list of the same is provided below.

1. Suicide or self-inflicted harm

If a kid dies by suicide within the first year of the policy, the insurance nominee is not entitled to any claim amount or compensation. If the nominee dies within one year of the policy's commencement date, the lump sum amount of Sum Assured and Premium Waiver is forfeited, and only the Fund Value on the day of death is paid.

2. Driving when high on drugs or alcohol results in an accident.

If the insurers die as a consequence of driving while drunk or eating any harmful intoxicants, the Child Insurance Policy provides no coverage or claim amount to the policy's nominee.

3. Criminal Conduct Or Behaviour

Child Insurance Plans will not accept any claim amount or coverage facility if the insurer is involved in any unlawful activity, war-related crimes, or criminal conduct that results in the insurer's death.

4. Participation in Dangerous or Extreme Sports

If a child understands that he or she will participate in risky and dangerous adventurous activities or risky sports such as sky diving, rock climbing, paragliding, hang gliding, and so on, the insurance will not pay any claim amount or provide any coverage.

5. Alcohol or drug abuse

If the insurer dies as a consequence of ingesting alcohol or having a drug overdose, the nominee receives no claim amount or coverage under the Child Insurance Policy.


A child insurance policy offers life insurance as well as flexible payouts at critical junctures in your child's life. Furthermore, some of the finest kid plans are designed with the knowledge that life is unpredictable. It contributes to the building of a corpus that will help parents manage essential costs related to their children, such as higher education. Even in the dreadful case of a parent's untimely death, this corpus can be utilised. Child insurance coverage can be utilized to save money on taxes. Before purchasing insurance, read the exclusions carefully and thoroughly. Because only after thoroughly reviewing all of the exclusions that the Child Insurance Policy does not cover. You may select the best Child Plan for you, one with the fewest exclusions and most suited to your requirements and appropriateness.

Also Read: What are the different types of investments you can make for your child's future?

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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