Children are the most precious part of our life. Their health is the priority of every parent. In such a situation, the question arises, “Which health insurance to buy for children?” Let us know in this article all the important things that are necessary for the better future of your child.
Why do children need health insurance?
Increasing health problems
Nowadays children are facing problems like allergies, asthma, viral infections at a young age. It is important to get them treated on time and properly.
Increase in medical expenses
Hospital fees, doctor’s fees, medicines – everything has become expensive. Health insurance can reduce the burden of these expenses.
Future security
Disease can come at any time. If you have health insurance, then you remain mentally calm.
Benefits of health insurance for children
Cashless hospital facility
If the child has to be admitted in an emergency, then under the insurance policy you do not have to spend cash immediately.
Vaccination and routine check-up cover
Some policies also cover the cost of vaccination and routine check-ups for children.
Quick help in case of emergency
Having health insurance can help you get hospitalised without any delay.
Things to keep in mind while choosing health insurance for children
What is the coverage limit?
There should be a minimum coverage of Rs 3-5 lakh so that treatment in big hospitals is possible.
Network hospitals
The hospitals you visit frequently should be in the network list of the insurance company.
Simplicity of claim process
Filling forms, submitting documents, claim approval – it is better if all this is easy.
Exclusions and waiting period
Some diseases are not covered initially. So it is important to read the terms and conditions.
Top Health Insurance Plans for Children (2025)
Star Health Family Optima
- Coverage up to ₹1 crore
- OPD and vaccination cover for children
HDFC ERGO My Health Medisure
- Regular check-ups cover
- 6500+ network hospitals
New India Assurance Child Care Plan
- Exclusively for children
- High coverage at low premiums
Apollo Munich Optima Restore
- Coverage restored every year
- Great cashless facility
Individual vs Family Floater Plan
Which is better for children?
If there is more than one member in the family, then a family floater plan is better.
Difference in premiums
The premium in floater plans may be slightly higher, but everyone gets coverage.
When to buy health insurance for children?
Most companies start offering insurance from the 91st day of birth. The sooner you buy it, the better.
Common mistakes made while buying health insurance
- Buying without reading terms and conditions
- Choosing only on the basis of low premium
- Not looking at network hospitals
How to choose online health insurance?
- Use comparison sites like Policybazaar, Coverfox
- Read reviews and ratings
- Check online claim facility
Government schemes for children
Ayushman Bharat Yojana
Provides medical facilities up to ₹5 lakh annually to children from poor families.
State government schemes
Like Madhya Pradesh’s ‘Bal Swasthya Yojana’, Rajasthan’s ‘Mukta Chikitsa Yojana’ etc.
Tax benefits on health insurance
Under Section 80D, if you buy a health plan for children, you get a deduction of up to ₹25,000.
Experts’ opinion
Experts believe that the sooner health insurance for children is bought, the better, so that you can avoid future expenses.
Parents’ Testimonials
“Our child suddenly got dengue, and Star Health Insurance provided cashless treatment immediately. It was a big relief.” – Rohit Verma, Delhi
Conclusion
Health insurance for children is not just a policy but a shield for their health. Choosing the right plan requires a bit of research, but when it comes to our children, there should be no compromise.
Frequently Asked Questions
Is there health insurance for newborns?
Yes, most policies start providing cover after 91 days of birth.
Which health plan is best for children?
Star Health and HDFC ERGO are considered better options for children.
Does health insurance cover vaccinations?
Some plans cover vaccinations, you must read the policy.
How to claim health insurance?
By getting cashless treatment at a network hospital or by claiming reimbursement.
How to claim health insurance?
By getting cashless treatment at a network hospital or by claiming reimbursement.
Is health insurance tax deductible?
Yes, up to ₹25,000 is eligible for deduction under section 80D.
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