Health insurance plans are not only for the protection of adults in case of unforeseen emergencies. Newborn babies need good child health insurance plans which will help the parents to shoulder the burden of finances in case the baby requires medical attention.
Babies are delicate and therefore more prone to harmful bacteria and viruses. In these scary times when COVID-19 is rampant with new variants forming now and again, it is important for the parents to not only keep their children away from harm but to also consider the need for good child health insurance plans insurance which will help them through the tough times.
Many great baby health insurance policies offer great sum assured along with child health insurance plan coverage for babies right from the moment they are born or the day they turn 90 days old.
Factors to Consider Before Buying Health Insurance for Newborn Baby
Some factors need to be considered before buying health insurance for newborn baby. Baby health insurance plans in India will provide the security that is needed during times of need.
As babies are very susceptible to infections and allergies that can stay for prolonged periods, it is better to be safe than sorry with baby health insurance plans in India.
Let us look at the following factors that we need to pay heed to before buying child health insurance plans.
1. Age Factor – Babies need to be at least 90 days old before they can be eligible for baby health insurance plans in India. Before that, they can be covered in the policies bought by their parents as a family plan. There are a few child health insurance plans that allow newborn babies to be insured from the day they are born.
2. Available Options – It is important to take consultation from the insurance company and the company should be informed about the birth of the baby too. There are a lot of baby health insurance policies available according to the kind of insurance the parents decide to buy for their babies. Baby health insurance policy options also vary according to the age of the baby if the newborn is 1 day old or 90 days old.
3. Documents Required – Parents should be aware that to buy the best policy for child, the insurance company would require documents like the birth certificate of the child. Parents need to receive the certificate the same day the child is born if the insurance plan starts from day 1.
4. Premium to be Paid – Parents should check what kind of baby health insurance policies they are buying. After the parents have submitted all the documents that are required by the insurance company to issue health insurance for newborn baby, the premium that needs to be paid has to be calculated. On paying the premium, the baby can take the advantage of the benefits that are provided by the baby health insurance plans in India.
Best Health Insurance for Newborn Baby
When babies are born, they are very delicate and prone to infections and other diseases. Parents have to take utmost measures so that the baby remains safe and secure.
Some baby health insurance plans in India will help parents to keep their babies safe and healthy.
Check out the following health insurance for newborn baby which are the best baby insurance plans.
1. Activ Health Platinum-Enhanced Plan: This health insurance plan for newborn baby is an enhanced plan that Activ Health Platinum has issued that is specially created for newborn babies. Activ Health Platinum child health insurance plan has a sum assured of rupees 2 lakh to rupees 2 crores. In this baby health insurance plans in India, the coverage for the baby will also be included.
2. Bajaj Allianz Health Guard Gold Family Floater Baby Health Insurance Policy: This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this health insurance for newborn baby. These family and baby health insurance policies have sum assured of rupees 3 lakh to rupees 50 lakh. In this family and baby insurance plans, the coverage for the baby will be included after the baby turns 90 days old.
3. Care Health Joy Child Health Insurance Plan: This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this baby insurance plans. These family and baby health insurance policies have a sum assured of rupees 3 lakh to rupees 5 lakh. In this family and baby health insurance policy, the coverage for the baby can be included either after the baby turns 90 days old or from day 1 itself.
4. Cholamandalam Privilege Healthline Insurance Plan: This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this health insurance for newborn baby. This family and baby insurance plans have a sum assured of rupees 3 lakh to rupees 25 lakh. In this family and baby insurance plans, the coverage for the baby will be included.
5. Digital Health Insurance with Maternity Cover: This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this best policy for the child. This family and baby health insurance policy has a sum assured of rupees 2 lakh to rupees 25 lakh. In this family and baby health insurance policies, the coverage for the baby will be included either after the baby turns 90 days old or from day 1 itself.
6. Future Generali Comprehensive Health Insurance (Superior and Premier): This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this health insurance for newborn baby. This family and baby insurance plans have to sum assured of rupees 15 lakh, 20 lakh, and 25 lakh in Superior and sum assured of rupees 50 lakh to rupees 1 crore in Premier. In this family and baby health insurance policies, the coverage for the baby will be included.
7. Kotak Mahindra Premier Health Insurance Plan: This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this child health insurance plans. In this family and baby health insurance policy, the coverage for the baby will be included immediately after the baby is born.
8. Manipal Cigna ProHealth Preferred Plan: This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this baby health insurance policies. These family and baby insurance plans have a sum assured of rupees 15 lakh to rupees 50 lakh. In this family and baby insurance plans, the coverage for the baby will be included.
9. Max Bupa Heartbeat Family Floater Plan – This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this health insurance for newborn baby. This family and baby health insurance policy has a sum assured of rupees 5 lakh to rupees 3 crores. In this family and baby health insurance policies, the coverage for the baby will be included immediately after the baby is born.
10. New India Assurance Mediclaim Policy – This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this baby health insurance policies. This family and baby insurance plans have sum assured up to rupees 15 lakh. In this family and baby insurance plans, the coverage for the baby will be included.
11. National Parivar Mediclaim Policy – This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this health insurance for newborn baby. This family and baby health insurance policy has a sum assured of rupees 1 lakh to rupees 10 lakh. In this family and baby health insurance policies, the coverage for the baby will be included.
12. Oriental Happy Family Floater Diamond Plan – This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this baby insurance plans. These family and baby insurance plans have a sum assured of rupees 12 lakh to rupees 20 lakh. In this family and baby insurance plans, the coverage for the baby will be included.
13. Royal Sundaram Lifeline Elite Plan – This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this health insurance for newborn baby. This family and baby health insurance policy has a sum assured of rupees 25 lakh to rupees 1.5 crores. In this family and baby health insurance policies, the coverage for the baby will be included after the baby will turn 90 days old.
14. Smart Super Health Insurance Policy – This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this health insurance for newborn baby. These family and baby insurance plans have a sum assured of rupees 5 lakh to rupees 100 lakh. In this family and baby health insurance policies, the coverage for the baby will be included after the baby will turn 90 days old.
15. Star Comprehensive Insurance Policy – This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this baby health insurance plans in India. This family and baby health insurance policy has a sum assured of rupees 5 lakh to rupees 1 crore. In this family and baby health insurance policies, the coverage for the baby will be included after the baby will turn 1 year old.
16. Tata AIG Medicare Premier Plan – This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this health insurance for newborn baby. This family and baby health insurance policy has a sum assured of rupees 5 lakh to rupees 1 crore. In this family and baby health insurance policies, the coverage for the baby will be included after the baby will turn 1 year old.
17. Universal Sompo Complete Health Insurance – This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this health insurance for newborn baby. This family and baby health insurance policy has a sum assured of rupees 1 lakh to rupees 10 lakh. In this family and baby health insurance polices, the coverage for the baby will be included after the baby turns 91 days old.
Frequently Asked Questions
Q1. Why do even newborn babies need health insurance coverage?
Ans. Babies are delicate and therefore more prone to harmful bacteria and viruses. In these scary times when COVID-19 is rampant with new variants forming now and again, it is important for the parents to not only keep their children away from harm but to also consider the need for good insurance which will help them through the tough times.
Q2. Is Care Health Insurance Plan got for the insurance coverage of my infant?
Ans. Care Health Joy Child Health Insurance Plan can be bought by the whole family. The parents, as well as the baby, will be covered in this health insurance for newborn baby. This family and baby health insurance policy has a sum assured of rupees 3 lakh to rupees 5 lakh. In this family and baby health insurance policy, the coverage for the baby can be included either after the baby turns 90 days old or from day 1 itself.
Q3. Is it sensible to buy Future Generali Comprehensive Health Insurance for my child?
Ans. This health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this health insurance for newborn baby. This family and baby health insurance policy has to sum assured of rupees 15 lakh, 20 lakh, and 25 lakh in Superior and sum assured of rupees 50 lakh to rupees 1 crore in Premier. In this family and baby health insurance policy, the coverage for the baby will be included.
Q4. What is the sum assured for Max Bupa Heartbeat Family Floater Plan?
Ans. This child health insurance plan can be bought by the whole family. The parents, as well as the baby, will be covered in this health insurance for newborn baby. This family and baby health insurance plans in India have a sum assured of rupees 5 lakh to rupees 3 crores. In this best policy for children, the coverage for the baby will be included immediately after the baby is born.
Q5. What is the sum assured for Tata AIG Premier Plan?
Ans. Tata AIG Premier Plan can be bought by the whole family. The parents, as well as the baby, will be covered in this health insurance for newborn baby. This family and baby health insurance policy has a sum assured of rupees 5 lakh to rupees 1 crore. In this family and baby health insurance policies, the coverage for the baby will be included after the baby will turn 1 year old.
Q6. What are the factors that need to be considered before buying a health insurance?
Ans. You must consider Age Factor, Available Options, Documents Required and Premium to be paid.
Q7. What is the sum assured for Star Comprehensive Insurance Policy?
Ans. Star Comprehensive Insurance Policy can be bought by the whole family. The parents, as well as the baby, will be covered in this baby health insurance plans in India. This family and baby health insurance policy has a sum assured of rupees 5 lakh to rupees 1 crore. In this family and baby health insurance policies, the coverage for the baby will be included after the baby will turn 1 year old.
