Top Child Health Insurance Plans in India
Health insurance is very important as it offers cover in case of any health related contingency. But it becomes even more important when seen in the context of children. This is majorly because children have low immunity levels as compared to adults and are hence more prone to diseases. And as children are incapable of making decisions when it comes to their health, it is the responsibility of their parents to ensure that their needs are met, especially in difficult times.
So, here we present a list of top 5 health insurance policies for child that offer them significant cover in time as well as safeguard your finances.
|
Name of the Insurance Company |
Plan Name |
Minimum And Maximum Entry Age |
Sum Insured (in Rs.) |
Coverage Benefits |
|
New India Mediclaim Policy |
3 months - 65 years |
1 lakh - 15 lakh |
Pre-hospitalisation expenses, post-hospitalisation expenses, AYUSH treatment expenses, ambulance expenses, in-patient hospitalisation expenses, etc. |
|
|
Health Booster Policy |
3 months - no limit |
5 lakh - 50 lakh |
Daycare treatment, in-patient hospitalisation, AYUSH treatment, pre-hospitalisation, post-hospitalisation, reset benefit, wellness program, etc. |
|
|
Complete Healthcare Insurance Policy |
Day 1 - 70 years |
1 lakh - 10 lakh |
Pre-hospitalisation expenses, post-hospitalisation expenses, organ donor expenses, AYUSH treatment expenses, etc. |
|
|
Health Guard Family Floater Policy |
3 months - 65 years |
1.5 lakh - 50 lakh |
Ambulance expenses, pre-hospitalisation expenses, post-hospitalisation expenses, daycare procedures, convalescence benefit, etc. |
|
|
Smart Super Health Plan |
91 days - 65 years |
5 lakh - 1 crore |
Add-ons, restoration of sum insured, optional cover for maternity benefits, emergency surface ambulance expenses, etc. |
- New India Mediclaim Policy: New India Mediclaim Policy takes special care of your kids by offering them the much needed medical protection at all times. The policy covers children aged between 3 months and 18 years provided that either of the parents is covered concurrently. You can also cover dependent children aged between 18 years and 25 years. Apart from kids, you can get this policy for self, spouse, and parents for sum insured options ranging between Rs. 1 lakh and Rs. 15 lakh on individual as well as floater basis. The policy offers you many benefits such as cover for newborn baby since birth, pre-hospitalisation expenses, post-hospitalisation expenses, AYUSH treatment expenses, ambulance expenses, in-patient hospitalisation expenses, etc.
- ICICI Lombard Health Booster Policy: Family Floater Policy offered by ICICI Lombard provides extensive coverage to your children and yet comes at an affordable premium. It is a super top-up plan that covers people on individual as well as floater basis. On a floater basis, it covers up to 2 adults and 3 children, and on an individual basis, the policy covers children aged at least 6 years. Good news is that there is no maximum limit on the entry age. Major coverage benefits offered under the policy include expenses related to domestic road ambulance, domiciliary hospitalisation, daycare treatment, in-patient hospitalisation, AYUSH treatment, pre-hospitalisation, post-hospitalisation, reset benefit, wellness program, etc.
- Universal Sompo Complete Health Insurance: Complete Health Insurance policy is a comprehensive health insurance policy that covers your child from medical expenses in time of an emergency. The policy covers dependent children aged between 91 days and 1 day (floater basis) to 25 years and adults aged between 18 years and 70 years. Not only kids, but you can choose this policy for yourself, as well as your entire family on an individual or floater basis. The policy offers several benefits such as pre-hospitalisation expenses, post-hospitalisation expenses, organ donor expenses, AYUSH treatment expenses, expenses related to dental treatment in case of an accident, etc.
- Bajaj Allianz Health Guard Family Floater Policy: Health Guard Family Floater policy is an affordable policy that takes care of medical expenses arising due to an illness, sickness, accident, or disease. The policy covers up to 4 dependent children or grandchildren aged between 3 months and 30 years for sum insured options ranging between Rs. 1.5 lakh and Rs. 50 lakh. The policy offers the insured several coverage benefits such as ambulance expenses, pre-hospitalisation expenses, post-hospitalisation expenses, daycare procedures, convalescence benefit, etc.
- Bharti AXA Smart Super Health Insurance: Smart Super Health Insurance plan is another popular health insurance policy that offers wide coverage to children. Children aged between 91 days and 5 years can be covered under this policy provided their parents are insured in the first place. The policy offers cover for sum insured options ranging between Rs. 5 lakh and Rs. 1 crore and can be purchased for 1 year, 2 years, or 3 years. It covers you for in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, organ donor expenses, AYUSH treatment, domiciliary hospitalisation expenses, etc.
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To know more about health insurance plans for children or buy any of the ones explained above, you can get in touch with the customer care executives at InsuranceDekho. They will not only suggest the most suitable health insurance policy for your kid(s), but also help you buy one within a few minutes online.
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.
