3 Ways! You can Cover New Born Baby under Health Insurance


3 min read

Updated on Dec 26, 2022

Having a baby is a blessing. You become parents and take on new responsibilities. Your newborn brings you joy and is therefore called your bundle of joy. You do everything possible to ensure that your newborn is protected. You get proper vaccinations; ensure that your child gets proper nutrition and everything else that is required. What about health insurance for newborn? Isn’t that important for your baby too?

Health insurance is important for your new born given the high medical costs which incur in case of any unforeseen medical complication. Do you know how to get your newborn covered under your health insurance plan?

New born healthcare coverage is available in three options

Under your existing family floater plan

Under this option, if you have a family health insurance plan, you can include your new born in the coverage from the 91st day onwards. Family floater health plans cover dependent children if they are aged 3 months and above. Some plans also cover new born babies from the first day itself. You would have to inform the insurance company about the birth of your child. The company would then include your child under the coverage from the middle of the term. You have to pay the additional pro-rated premium for covering your baby. You can also wait till the policy renewal date to get coverage for your new born.

Under an existing family floater having new born baby coverage

If your family floater health plan already has existing new born baby coverage, you would get coverage for the baby from the first day of its birth. Usually, such plans have maternity coverage too which cover the costs of pregnancy and child birth. You wouldn’t have to inform the insurance company about including the baby in the coverage. Since the plan is also covering maternity related expenses, your baby would be covered automatically from the first day. If your plan only covers new born without covering maternity, the company should be informed about covering the new born. Coverage under this option is available free of cost till the child reaches 90 days of age or till the next renewal date, whichever is earlier. Thereafter an additional premium would be required for covering the baby.

Through a new born baby rider

Many health insurance plans allow an optional rider which allows you to cover your new born from the first day of its birth. You can choose this add-on to get your new born baby covered. An additional premium would be payable for choosing the add-on. If the add-on rider is selected, the new born is covered till 3 months without any additional premium.

If you want new born health insurance, you can choose from any of these three options.

Choose wisely!

Also read: Best Health Insurance Policy for New Born Baby in India

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Mar 18, 2021
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