Health Insurance for Newborn baby in India – Insurance for Newborn


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Buying Health Insurance for Newborn Baby? Don’t forget to check the below listed points.  

If you are thinking about the various possibilities and options to cover your newborn baby with a health insurance cover, you must note a few important things as discussed in this post.

Parenthood is the most amazing time of a couple’s life as it brings upon unique joys to their lives. However, along with happiness, you also feel the weight of added responsibilities regarding bringing up a new born child.

Numerous concerns come to your mind regarding the upbringing of the little bundle of joy, especially pertaining to the health and wellbeing of the baby. Thus, to make sure that the new born baby receives the best healthcare facilities, you must consider buying health insurance for your child.

However, when it comes to buying health insurance for newborn baby, there are some notable things that the parents need to consider. We will discuss those points in this post. But first let’s understand why it is important to have a health insurance plan for a newborn baby and how much does a health insurance for a child cost?

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Importance of Health Insurance Plan for Newborn Baby 

Having a health insurance cover is a must for everyone in the current time of expensive healthcare treatments. Newborn babies also need equal or may be better health care facilities as compared to adults because they are so delicate and prone to infections. So, it is very important to cover your new born child with good healthcare coverage. This way you could easily mitigate the cost of rising healthcare inflations.

Below are some points to further prove the fact  why you need to buy health insurance for child or for your newborn baby:

  • Health insurances for newborn babies are available at a reasonable cost
  • Health insurance policy for your newborn would cut down on the medical expenses done from your pocket
  • A child health insurance plan secures the health of your newborn child
  • It reduces your worries regarding financial needs in the event of medical complications.

Read More: Benefits of Opting Child Health Insurance Plans

5 Points to Remember While Buying Medical Insurance for Newborn Baby

So, you already know the importance of buying a health insurance plan for your newborn child. Further, you must also know certain very important things based on which you can decide on the policy to buy for your child.  One such point to consider here is that a child cannot be covered by an individual health insurance plan, rather the newborn can be covered within a family floater plan.

Below are other points to consider while buying the best health insurance in India for newborn babies:

  1. Newborns cannot be covered through individual plans, rather they can either be covered through family floater insurance plans or maternity health insurance plans
  2. If you cover your child under maternity health insurance plan, it protects the newborn from the time of its birth with the necessary treatments as well as vaccinations. Thus, maternity cover is helpful for the newborn
  3. Also, if you have a family floater plan, you can add your newborn under the policy during the tenure of the existing family plan after 90 days of his/her birth
  4. You cannot cover newborns under individual health policies as it is meant to cover a single adult
  5. There are some insurers who offer coverage for newborns as extension of the family health insurance in which the parents of the child are covered. In this case, the insurer doesn’t charge any extra cost to the parents. But some insurers may levy an additional charge for adding your newborn to your existing family floater policy.

To Conclude 

If you are planning to start a family or you are blessed with a newly born child and are looking for options to cover your baby under a health insurance plan, you must take care of the above mentioned plans to seek the best coverage for your child.

You already know that there are some insurance providers who provide coverage for your newborn baby by adding the child to the already existing family floater cover without any extra payment. But some insurers may levy an extra cost of premium on your existing policy to add your newborn baby under the family floater plan.

So, if you are married and planning to start a family soon, you must consider this aspect while buying your family floater policy. Further, you must also compare different plans before choosing the best health insurance to suit your needs and requirements.

Bringing up a baby is a responsible job and despite how old your child may be, your love and concern for them can never diminish. You will always care for your child and his/her health and thus buying health insurance for the child is the best option to lessen your worries about the child’s health.

Also read: Health Insurance for Children

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Sep 26, 2022
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PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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