Written By: Simran Kaur Vij

Simran Kaur Vij

Health and Term Insurance

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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Reviewed By: Anchita Bhattacharyya

Anchita Bhattacharyya

Health, Term & Life Insurance

Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.

Updated on Apr 08, 2025 4 min read

Health Insurance for Newborns

Health insurance for your newborn in India is essential given the consistent threat of multiple illnesses. With the widespread of new illnesses, having the best health insurance for your newborn will make you worry-free.

With the best health insurance for a newborn baby, all the medical care expenses for your newborn and the mother will be covered, including comprehensive features like hospitalization coverage, ICU coverage, diagnostics, pre and post-natal coverage, and more. You can also cover your newborn baby under your family health insurance plan.

Let us explore more about newborn health insurance plans in India in the article given below

traordinary Facts

According to UNICEF, common causes of newborn deaths among babies less than 29 days old are—prematurity and low birth weight (48%), neonatal pneumonia (12%), and non-communicable diseases (7%). Most health insurance plans for newborns have a waiting period of 90 days. However, multiple newborn health insurance plans in India cover newborns from day 1.

Best Newborn Health Insurance Plans 2025

Explore the best newborn health insurance plan for to-be-parents below:

Why Do You Need Newborn Health Coverage?

A newborn health insurance plan plays an important role for both the child and parents:

• The weaker immunity of your newborn might develop into health concerns requiring immediate medical attention. Newborn health insurance in India covers all emergency care expenses.
• Congenital diseases (birth defects) are expensive to treat, which is why it is important to invest in the best insurance policy for newborn babies in India.
• As your child grows he/she will be more physically active making them prone to many injuries. Treatments for minor injuries like fractures, are also a medical expense. Such major and minor medical care expenses are all covered by your health insurer.

Types Of Health Insurance for Your Newborn In India

Here are the best types of insurance policy for newborn babies in India:

1. Maternity Health Insurance

   A common health plan covering both mother and child. Maternity health plans cover the costs of normal, and C-section deliveries, doctor consultations, diagnostics, vaccinations, and congenital ailments (birth defects).

2. Family floater Health Insurance

   This category of health insurance plan covers all family members under a single sum insured including your newborn baby. Many family floater health plans offer the inclusion of newborns from day 1 of birth.

3. Newborn Health Insurance Plans

   Some health insurance providers offer specific health plans for newborns in India. These plans cover, post-natal care, vaccinations, preventive check-ups, NICU cover, and other diverse healthcare services needed for newborns.

Benefits Of Health Insurance for Newborn Baby In India

The key benefits of having health insurance for your newborn are mentioned below:

• Financial protection is a key benefit, as newborns may incur high medical expenses for emergency hospitalizations, regular health check-ups, and vaccinations.
• Avail comprehensive coverage with the best health insurance for your newborn, from cashless hospitalization to emergency care ensuring your child gets the best healthcare.
• Stress-free parenting comes with the best newborn health insurance in India. As new parents, your focus must be on making new memories with your baby. Enjoy your time with your newborn worry-free by covering all the medical care expenses.
• You have access to quality health care with newborn health insurance plans in India. You can avail of the best medical care for your baby in any network hospital anytime, anywhere.

Best Newborn Health Insurance In India: A Checklist

Consider the following factors when selecting the best insurance policy for newborn babies in India.

1. Selecting Adequate Sum Insured

   The medical care expenses for your newborn baby are different than yours. Select an adequate sum insured for your child. However, keep your overall budget in mind before selecting the sum insured for your newborn baby cover as a higher sum insured means higher premiums.

2. Appropriate Coverage Features

   Check all the details of the health insurance for your newborn in India. Ensure that it covers all the necessary treatments, vaccinations, and treatments you deem necessary.

3. Add-ons

   Consider the additional features mentioned in the health insurance for your newborn. Check if there is an option to add your newborn from day 1 in your family floater health insurance.

4. Co-payment

   You must check if the health insurance for your newborn in India has any co-payment clauses mentioned. The co-payment clause means you will have to bear a certain percentage of the medical bill which will result in a decreased premium.

5. Eligibility Criteria

   You must check the eligibility criteria before purchasing a newborn health plan in India. Consider the upper age limit for continued coverage for your child.

Wrapping It Up

Your newborn baby brings a lot of joy for you as parents and for your family members. In today’s day and age, newborn health insurance in India is not an option but a necessity. Congenital diseases, vaccinations, regular health check-ups, and multiple such medical care expenses are covered by the best health insurance for your newborn. Adding your newborn to a family floater health plan, or simply investing in a stand-alone health insurance plan for your newborn is entirely your decision but ensure you select an adequate sum insured for stress-free childcare management.

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