Child Health
  • Importance of Child Health Insurance
  • Coverage Starts From Day 90
  • Top 5 Health Plans For Children
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NewBorn Child Health Insurance

Parenthood comes with a lot of new things which makes a couple happy and nervous at the same time. We know that the anxiety related to parenthood will take many days to settle, but you don't have to worry about the associated hospitalization expenses if you have an adequate insurance cover for your newborn.

One cannot overlook the cost involved during maternity along with several factors that a couple should keep in mind to make sure about a healthy pregnancy. The expenses related to normal delivery in a decent hospital in any metro city might cost between Rs 60,000 to Rs 2 lakh as high-end hospitals spreading their web across the country. Such sky-touching figures only suggest a need for proper planning of finances towards the expenses that will be incurred. Therefore, a cover for the newborn offered by several health insurance companies is the best solution to deal with the same.

What It Means To Insure a Newborn

As we already said, along with the fact that parenthood is the time to experience a whole new world, parenthood is also the time to be extra responsible and careful about your newborn child. From attending to the newborn's needs and making adjustments in the work-life, to taking care of its health, there is nothing that is as fulfilling as the role of a parent.

health insurance for newborn

When it comes to the well being of a newborn, health insurance should be at the top of the list. The reason for this is the rising medical issues that can easily drain off one's funds, leaving him/her in a debt. Hence, make sure the baby is protected during any medical emergency, purchasing a comprehensive health cover is the right way to go, to the health of your newborn baby. One can always benefit from multiple family floater policies or maternity insurance coverages to get your newborn insured, even though there are only a handful of health insurance policies created specifically for newborn babies.

What is New Born Baby Health Insurance?

New Born Baby health insurance is designed to look after the healthcare needs of the mother and their newborn babies. These plans offer complete financial safety to the newborn baby by covering their pre & post-natal needs related to hospitalisation and other expenses including pre-hospitalisation, post-hospitalisation, modern daycare procedures, ambulance charges, etc.

Many Health Insurance companies provide newborn baby coverage either as an optional cover or as an inbuilt cover with maternity.

Health Insurance Companies

Best Health Insurance Plans with New Born Baby Cover in 2022

Below mentioned are some of the health insurance plans that provide coverage for your newborn baby. Check them out to find your best insurance policy for newborn baby in India.

Activ Health Platinum is a comprehensive health insurance plan that offers comprehensive coverage against medical bills. The plan comes with access to Chronic Management Program.

Unique Benefits

  • Chronic illnesses covered from Day1
  • Modern treatments covered
  • Double coverage after 2 claim-free years

A comprehensive plan with 3 different variants and up to 1 Cr sum assured covering medical treatment expenses incurred during hospitalization resulting from serious illness or accident.

Unique Features

  • Avail Discounts
  • Maternity cover available
  • Organ Donor expenses covered

A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.

Unique Benefits

  • 100% increase in SI as NCB
  • Newborn Cover
  • 541 day care treatments covered

Chola Healthline Plan

This particular plan is an ideal option if you are looking for coverage for yourself, your spouse, and your children. The plan offers four smart health insurance solutions.

Unique Benefits

  • Lifelong renewal available
  • One-time premium payment
  • Maternity cover available

Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

  • Free health checkup
  • 2X multiplier benefit
  • 100% SI restoration

Future Generali Health Total Policy

A comprehensive health insurance plan that provides coverage against medical expenses. Moreover, the plan also looks after your overall well-being.

Unique Features

  • Coverage for Mental Illness
  • E-opinion for illness or injury
  • Maternity Expenses covered

A comprehensive health insurance policy that covers you and your family with SI of up to 50 lakhs. Provides additional benefits as well.

Unique Features

  • Available in 4 different variants
  • 100% Automatic Restoration of SI
  • Riders for enhanced coverage

Kotak Health Care

Kotak Health Care protects you and your family financially against medical emergencies. The plan comes in three variants- Excel, Platinum and Prime.

Unique Features

  • Enhanced coverage
  • Free Annual Health Check-ups
  • Lifetime Renewability

ManipalCigna ProHealth Prime

A comprehensive plan with SI up to 1Cr and 3 different variants. It is a versatile health insurance plan for your medical needs.

Unique Features

  • Unlimited Tele-consultation
  • Switch off your cover feature
  • Wellness program available

An affordable health plan, that offers 140+ day care procedures and covers pre-existing conditions like diabetes and hypertension.

Unique Features

  • Infertility treatment cover
  • Vaccination for children
  • Cataract Treatment Covered

Available in Individual as well as Family Floater Plans, Reliance Health Gain Plan is a comprehensive plan that covers in-patient treatment, Day Care benefits and numerous add-on features.

Unique Features

  • Waiver of premium on critical illness
  • Consumables Covered
  • Cumulative Bonus of 33.33%

SBI Arogya Supreme

A comprehensive health insurance plan that offers a 15% increase in cumulative bonus for every claim-free year and comes with 8 optional coverage options.

Unique Features

  • Bariatric Surgery cover
  • 573 Day Care procedures covered
  • Domestic Air Ambulance cover

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health check-ups for claim-free years
  • Hospital Cash Benefit
  • 100% Automatic Restoration

A comprehensive health plan that supports you in times of medical emergencies. This health insurance can be classified into three types: Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.

Unique Benefits

  • Global Coverage
  • 540+Day care treatments
  • Compassionate Travel up to 20K

United Family Medicare Policy

A family floater health insurance plan offering coverage of up to 25 Lacs to you, your spouse and 2 dependent children either on an Individual Sum Insured basis or on a floater basis.

Unique Features

  • Midterm Inclusion available
  • Modern Treatment Methods
  • Maternity & New Born Baby cover

Salient Features of Maternity Health Insurance Plans

1 Comprehensive Coverage

It covers pre and post hospitalization, ambulance services, medicines, hospital room rent and doctor’s consultation fees.

2 Pre and Post-Natal Care for The Newborn

Most maternity health insurance financially protects the newborn, along with the new mommy, in case she is diagnosed with critical illnesses.

3 Hospitalization Coverage

As mentioned in the maternity health insurance policy document, pre and post hospitalization expenses related to pregnancy will get the required cover.

4 Cashless Facility

At the cashless facility at the network of authorized hospitals across India, maternity health insurance plans of leading insurance companies offer the cashless facility.

5 Claim-free Bonus

The maternity insurance plan comes out with no claim bonus as well on completion of every claimless year.

6 Fast and Systematic, Streamlined Online Application

Just at the click of a few buttons, maternity health insurance plans offer individuals the convenience of online application.

7 Tax Savings

As per section 80(d) of the Income Tax Act, 1961, tax benefits apply to maternity health insurance policies.

8 Waiting Period

After nine months to six consecutive policy years, expenses related to maternity will be liable to get the required cover.

9 Flexibility to Select The Insured Sum

The applicants can choose the adequate sum assured as per his/her needs.

Insurance for Your Newborn

As we already discussed, becoming parents is, indeed, one of the most wonderful feelings, but however, that signals too of time to be more responsible. And to help with this, in recent years one more step that is taken by various families to ensure they remain shielded from a lot of diseases in the future, is preserving the stem cells of a newborn is also a major step. Another vital that parents can take to easily handle the medical expenses and at the same time secure the health of the newborn, is taking a health insurance cover for him/her. The new parents can take advantage of various family floater policies or maternity plans to insure the healthcare needs of the newborn.

Checklist While Choosing a Plan For The Newborn

Here are a few factors that are vital to analyzing these factors before finalizing the health care plan that matches your needs:

  1. Premium

    Insurance for a newborn baby as a part of family health cover, without any additional charges, are some of the top beneficial offers by insurance companies. However, an additional premium for covering the medical expenses for the newborn and insuring the infant under the existing health insurance plan may be levied by others.

  2. Coverage

    The coverage is a feature that varies from insurer to insurer. Some companies may include cover related to illnesses or congenital disorders, whereas others may cover only vaccination-related expenses.

  3. Upgrades After 90 Days

    This is a basic feature of a health cover that most of the companies allow the individuals to include their children into floater policy after they attain the age of 90 days. It is advised to make sure that to choose a company that offers the newborn to be included at the earliest as insured under the health plan.

  4. Customization

    It is advisable to select a company that allows a policyholder to customize the plan as per his/her budget and needs, in case anyone is planning to include multiple members of the family for a health insurance cover.

  5. Check Health Insurance Premium
    Check Health Insurance Premium
  6. The Terms And Conditions

    Under some health insurance policies by several insurance companies, it is a compulsion to inform the insurer about the birth of their child immediately for availing the benefits. Hence, it is necessary to go through terms like these in a detailed manner.

Benefits of a Health Insurance Policy for The Newborn

  • Secure Health of The Newborn: We have to agree that the health of a newborn is a very sensitive thing. As because of weak immune, they get it very quickly. Hence, it becomes a worrisome thing for new parents. Here, having health insurance for the newborn acts as a support system and secure the Lil baby's health.
  • Minimized Medical Expenses: If someone purchases a health insurance policy for his/her newborn, it benefits the policyholder with an overall minimized medical expense.
  • Premiums, if Applicable, are Reasonable: Though the health of a newborn is the main thing of concern for the parents, this is to keep in mind that the premiums must be justified as well. So, when a new parent buys a health insurance policy for his/her newborn, it benefits him/her with a reasonable premium with maximum benefits.

How Can I Add a New Born Baby to my Existing Health Insurance Policy?

There are several health plans launched by health insurance companies for newly born babies. A newly born baby can easily be added into a family floater health insurance plan or group health insurance plan. The policyholder can add the baby when the annual renewal of the policy is initiated. The insurance company should be informed as early as possible if you want to get your baby included in the plan. Generally, the minimum age bar set by the insurance companies is 91 days, however, there are insurance companies that provide coverage from day one of the birth of the child.

Process of Adding NewBorn Baby to your Health Insurance Plan:

  • Inform the Insurance company as soon as possible
  • Fill out the application form with all the documents and details attached to it.
  • At the time of renewal, by paying the additional premium you can add a new member of your family to your health plan.
  • Once the premium is received, the revised policy document will be shared with you over your registered email address.

Documents Required

The following documents are to be attached with the application form:

  • Birth certificate
  • Medical report in case of any medical condition or complication in the baby
  • Maternity discharge card

The medical coverage provided by the health insurance company may include all the routined vaccination for the baby subjected to the terms and conditions.

To Sum Up

Every parent wishes to provide the best care, which also includes health insurance to their new born baby. However there are not any health plans specially designed for newborn babies, hence the best way to protect the healthcare needs of your child is to rely on family floater plans and maternity plans. One can get rid of the worries related to the health of his/her child, by selecting the appropriate plan. By following this, a policyholder enhances the focus on the betterment of his/her newborn's future.

Health Insurance Articles

Child Health Insurance: FAQs

1. How much extra do I need to pay if I want to add my newborn baby to my existing family floater health plan?

The premium payable solely depends on your insurance provider. To get an insight into the amount payable, you can also use the company premium calculator tool to get an idea of the same.

2. What is the eligibility criteria for a newborn baby's health cover?

Most of the health insurance companies available offer coverage to a newborn baby after 3 months. However, there are some health insurance providers that offer coverage for newborn babies from the 1st day of their birth.

3. How can I find the best insurance for a newborn baby?

Buying a health insurance policy for a newborn baby can become complicated if you do not know what you are looking for. Do thorough research, compare all the available options and then choose the best insurance for your new born baby.

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.