A healthy and happy child is all that a parent seeks. Besides taking care of the material aspects, ensuring your child’s physical well being is a major responsibility. Therefore, availing a health insurance plan for your child; is the best way to ensure your child receives quality medical attention whenever required.
Children have less immunity compared to adults and are more susceptible to ailments like viral fever, seasonal illnesses, chickenpox, jaundice, malaria, mumps and measles. Bringing your child under a health insurance plan is the best way to achieve peace of mind, as well as ensure finances are not depleted, when your children are growing up.
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The child health insurance plans cover your child from the age of 5 years. These plans help take care of the specific health care needs of your child. It helps children enjoy quality medical attention, without any compromise. A child health insurance plan saves you from spiraling medical costs.
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A good child health insurance plan comes with built-in as well as add-on riders, at a nominal premium. They can be availed to provide extra cover for child’s health.
These customized child insurance plans are specifically designed to insure your child and cater to the specific health needs of your child.
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There are health insurance plans for minors available in the market, which offer attractive features and benefits. However, health insurance for children can be categorized into two types:
As the name suggests, these are individual plans that can be availed to mitigate risk associated with your child’s health. These plans come with added features and benefits like cashless hospitalization and comprehensive health cover. Other than hospitalization, these plans also cover ambulance charges, cost of medical check-up and specialized consultation fees.
A family floater health insurance plan offers health insurance cover to the entire family. The primary holder, spouse along with children, are covered under family floater health insurance.
Some of the best health insurance plans offer added benefits like health risk assessment, primary consultation with experts, health information on nutrition and diet and so on. These are long-term health insurance plans and the key benefit is it covers your child from birth.
Some policies have a waiting period of 90 days after which the new member can be added to the existing family health insurance plan. These health insurance plans take care of the hospitalization expenses along with other necessary expenditure like vaccination of the infant and so on.
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