All you need to know about Health Insurance plans for children
18 October, 2024
12 Shares
144 Reads
Share
With diseases on the rise and quality healthcare becoming more expensive, it is important to ensure that your children get the best healthcare possible when they need it. You already know the benefits health insurance offers adults and senior citizens. However, did you know that children can reap the same benefits that you do from health insurance plans.
Why does your child need health insurance?
Health insurance for children can prove to be extremely beneficial as children don’t have immune systems that have reached their full strength. Hence, several diseases tend to affect young children which is why it is vital that your child stays protected at all times.
There is also an inherent need for regular visits to the doctor when you have children due to vaccinations or any other day-to-day issues. Sadly though, you can never plan for every single eventuality with a child. If there is one thing we can all agree on, its that our children deserve the best of everything.
So, that leaves us with only one question, how do you go about purchasing health insurance for your children, and what all requirements should you keep in mind while doing so? Let's answer this question once and for all today.
How should you begin your research?
Already have a health insurance plan?
It might be a good idea to talk to your current health insurance provider and check whether your children can be covered in your plan.
It should also cover diseases that children are prone to, such as mumps and measles as India has a densely-packed population in urban areas, and such diseases can spread rapidly when contracted.
To know whether you have picked the right plan or not, comb through the policy wordings for any exclusions or terms and conditions that may cause a problem when making a claim.
How will a family insurance plan help you?
A health insurance policy that covers the entire family is called a family floater plan in India. These plans offer a cover for your spouse and children (up to 4 in some cases) under a single policy. The biggest advantage here is that you don’t need to purchase health insurance for your children separately and deal with excessive premiums or even paperwork.
You can simply track everything as part of your own family health insurance plan. The claims process will also be simplified as you will only need one policy number and will have to interact with the same executives to make a claim for anyone covered in the plan. These types of plans usually offer a higher amount as cover when compared to an individual child health insurance plan.
Some of these plans also cover maternity costs after a stipulated waiting period and can even cover newborns for the first year. However, family floater plans usually stop covering children after a certain age. In which case you’ll have to purchase an individual health insurance policy for the now adult.
What is the right amount to aim for?
You’ll always want the best for your child, yet the truth of the matter is that most of us are budget bound. However, these plans can be easily customised with add-ons for optimum coverage. You can even opt for a family floater plan that will offer much higher coverage for your child.
How do I know if I'm still missing anything?
Some health insurance plans cover a child by default for 90 days after birth or even longer depending upon the policy wordings. Thus, if you are expecting a child, it might be a good idea to contact a provider to ask exactly how you can access this benefit. Accordingly, you can opt for maternity and newborn benefits with your family floater plan.
Different insurers tend to have varying terms and conditions that govern the child’s coverage from that point. Look for a plan that will cover the child from the first day. Lastly, read the fine print and ask all the questions possible (no matter how silly you think they may be) so you are clear about the health insurance policy you purchase for your child and aren’t in for a rude surprise.
With the internet, it is extremely easy to compare plans and even get quotes in a matter of minutes! For instance, insurance providers such as Niva Bupa have a variety of family floater plans for all your needs. All you need to do is visit their website and compare plans to find the right fit for you. Please visit https://www.nivabupa.com
Secure your Health with comprehensive insurance plans from Niva Bupa
Popular Searches - Health Insurance | Medical Insurance | Best Health Insurance Plans | Health Insurance Plans | Health Insurance Policy | Best Health Insurance Plans | Best Family Health Insurance | Best Mediclaim Policy | Best Health Insurance In India | Best Medical Insurance In India | Best Health Insurance Plans In India | Best Health Insurance Policy In India | Mediclaim | Best Health Insurance For Senior Citizens In India | Best Health Insurance | Health Insurance With Opd Cover | Mediclaim Insurance | Medical Insurance Plans | Best Health Insurance Company in India | Critical Illness Insurance | Personal Accident Insurance | Mediclaim Policy | Individual Health Insurance | Pregnancy Insurance | Maternity Insurance | | Best Family Health Insurance plans in India | Best Health Insurance company | Family Health Insurance | Best Health Insurance plans for Senior Citizens | Mediclaim Policy for Family
Health Insurance Schemes - Chief Ministers Comprehensive Health Insurance Scheme | Employee State Insurance Scheme | Swasthya Sathi Scheme | Pradhan Mantri Matru Vandana Yojna | Government Health Insurance Scheme | Dr. YSR Aarogyasri Scheme | Pradhan Mantri Suraksha Bima Yojna | Health Insurance Deductible | West Bengal Health Scheme | Third Party Administrator | Rashtriya Swasthya Bima Yojana | In Patient Vs Out Patient Hospitalization | Mukhyamantri Chiranjeevi Yojna | Arogya Sanjeevani Health Insurance | Copay Health Insurance | Cashless Health Insurance Scheme | Mukhyamantri Amrutum Yojna
Travel Insurance Plans - Travel Insurance | International Travel Insurance | Student Travel Insurance | Travel Insurance USA | Travel Insurance Canada | Travel Insurance Thailand | Travel Insurance UK | Travel Insurance Germany | Travel Insurance Bali | Travel Insurance Vietnam | Travel Insurance Dubai | Travel Insurance Singapore | Schengen Travel Insurance
Top Hospitals - Best Hospitals in Chennai | Top Hospitals in Delhi | Best Hospitals in Gurgaon | Best Hospitals in India | Top 10 Hospitals in India | Best Hospitals in Hyderabad | Best Hospitals in Kolkata | Best cancer hospitals in Bangalore | Best cancer hospitals in Hyderabad | Best cancer hospitals in Mumbai | Best cancer hospitals in India | Top 10 cancer hospitals in India | Top 10 cancer hospital in Delhi | Multi Speciality Hospitals in Mumbai | Multi Speciality Hospitals in Chennai | Multi Speciality Hospitals in Hyderabad | Super Speciality Hospitals in Delhi | Best Liver Hospitals in Delhi | Best Liver Hospitals in India | Best Kidney Hospitals in India | Best Heart hospitals in Bangalore | Best Heart hospitals in India | Best Heart hospitals in Kolkata | Best Heart hospitals in Delhi
Others - Top Up Health Insurance Policy | Corporate Health Insurance | Health Card | Section 80d of Income Tax Act | Ayushman Bharat | Health Insurance Portability | GoActive Family Floater Plan | Health Companion Family Floater Plan | Health Premia Family Floater Plan | Health Pulse Family Floater Plan | Health Recharge Family Floater Plan | Heartbeat Family Floater Plan | Money Saver Family Floater Plan | Saral Suraksha Bima Family Floater Plan | Senior Citizen Family Floater Plan | Super Saver Family Floater Plan | Corona Kavach Family Floater Plan | Hospital Cash Insurance | Cashless Health Insurance | Health Companion Price revision | Heartbeat Price revision | ReAssure Price revision
COVID - Omicron | Coronavirus Health Insurance | Covid XE Variant | Norovirus
www.nivabupa.com
+91 11 41743397
1860-500-8888
14th Floor, Capital Cyberscape, Sector 59, Gurgaon
- Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) under license. CIN: U66000DL2008PLC182918
- 1 Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.
- 2 Since Inception refers to claim data from 2010 till December 2023.
- 3 ReAssure 2.0 Premium: The premium is including taxes and for Bronze Variant, for a 25-year-old individual living in Delhi.
- 4 Aspire Premium: The premium is including taxes and for Gold+ Variant, for a 25-year-old individual living in Delhi.
- 5 Senior First Premium: The premium is including taxes and for Gold Variant, for a 65-year-old individual living in Delhi.
- 6 Health Premia Premium: The premium is including taxes and for Silver Variant, for a 25-year-old individual living in Delhi.
- 7 SmartHealth + Disease Management Premium: The premium is including taxes and for Disease Management Gold Variant rider when bought with ReAssure 2.0 Bronze variant with Base Sum Insured of 5 lacs, for a 25-year-old individual living in Delhi.
- Beware of spurious / fraud phone calls! Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone. Avoid clicking on attachments / payment link received in mails / message from unknown sources. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint. Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms. Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa. Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls, and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.