Best Child Investment Plans 2025 in India: Top 10 investment plans that are best for children

10 Best Child Investment Plans in India – Sum Assured, Entry Age, Maturity Age and Premiums

Plan Name	Entry Age	Maturity Age	Minimum Annualized Premium	Sum Assured
Aditya Birla Sun Life Vision Star Child Plan	18/55 years	75 years	Premium depends on the chosen sum assured amount	Min- INR 1,00,000 Max- No upper limit
Aegon Life Rising Star Child Insurance Plan	Parent (Life Assured)- 18/48 years   Child(Nominee)- 1day, 5 years, 10 years/ 15 years	65 years	Annual mode- INR 20,000 p.a   Other modes- INR 30,000 p.a	Min-< 45 years- Higher of 10x A.P or 0.5 x Policy Term x A.P >or equal to 45 years- Higher of 7x A.P or 0.5 x Policy Term x A.PMax- < 45 years- 18x A.P >or equal to 45 years- 10x A.P
Bajaj Allianz Young Assurance Child Plan	18/50 years	60 years	N/A	10 times the annualized premium
Bharti AXA Life Child Advantage Plan	Regular Pay- 18/50 years   Limited Pay- 18/55 years	Regular Pay- 71 years Limited   Pay- 76 years	N/A	Min-INR 25,000 Max- No upper limit
HDFC SL Youngstar Super Premium Child Plan	Life option- 18/65 years Life   & Health Option-18/55 years	Life option-75 years Life   & Health Option- 65 years	N/A	Min-< 45 years- 10x A.P >or equal to 45 years- Higher of 7x A.P Max- 40xA.P
ICICI Pru Smart Kid’s Regular Premium	20/54 years	64 years	INR 45,000 p.a	Min-Higher of 10x A.P or 0.5x policy term x A.P   Max-No upper limit
Kotak Head start Child Assure Plan	18/60 years	70 years	Regular pay- INR 20,000 p.e   Limited pay- 5 years PT- INR 50,000 p.a 10 years PT- INR 20,000 p.a.	Min-< 45 years- Higher of 10x A.P or 0.5 x Policy Term x A.P >or equal to 45 years- Higher of 7x A.P or 0.5 x Policy Term x A.P   Max- 25xA.P
LIC – New Children’s Money Back Plan	0/12 years	25 years	INR 24,000 p.a	Min-Rs.1,00,00 Max-no limit
Future Generali Assured Child Education Plan	21/50 years	50 years	INR 20,000 p.a	As per policy term
Max Life Shiksha Plus Super	21/50 years	60/65 years	5 pay- INR 50,000 p.a.   Regular Pay- INR 25,000 p.a	Min- 5 Pay- 10x A.P   Regular Pay-10x A.P Max- No upper limit

Top 5 Child Investment Plans that are Best for Children – An Overview

Investing in plans for children is a smart move that can set them up for financial success in the future. There are several child investment plans available that are specifically designed for children, and each has its own set of benefits. Below are the top 5 child investment plans –

1. Aditya Birla Sun Life Vision Star Child Plan

Aditya Birla Sun Life Vision Star Child Plan is a money-back plan that is also considered one of the best investment plans for a child’s future. During the policy term, you can make periodic payments under this plan. The minimum and maximum entry age of the parents for this plan are 18 years and 55 years, and the maturity age is 75 years. As the plan matures, a terminal bonus and reversionary bonus are paid to the policyholder.

2. Aegon Life Rising Star Child Insurance Plan

If you are considering this plan, you do not need to think twice. In case you pass away during the policy term, the premiums are waived off and the sum assured is offered to the nominee. On surviving through, 20% of the maturity sum assured is offered by the insurer. This is offered at the end of the 12th, and 13th, and 60% of the maturity sum assured are offered at the end of the 14th year. The minimum entry age for this plan is 21 years to 50 years. The maturity age is between 31 years and 72 years.

3. Bajaj Allianz Young Assurance Child Plan

The main reason why you should consider this plan is the inbuilt Accidental Permanent total disability benefit. Under this plan, the minimum entry age is 18 years and the maximum is 50 years. The minimum maturity age is 28 years and the maximum maturity age is 60 years. The terms that are available under this plan are 10, 15, and 20 years.

4. Bharti AXA Life Child Advantage Plan

This plan comes with two options, such as an endowment benefit and a money-back benefit. The policyholder can avail of the inbuilt waiver of premium benefit option. If you pass away within the term of the plan, the insurer will continue to pay the premiums. The parents’ minimum entry age is 18 years and the maximum is 50 years if they choose the Regular Pay option, and for the Limited Pay option, the maximum entry age is 55 years. The premium payment frequency options under this plan are monthly, quarterly, half-yearly, and annually.

5. HDFC SL Youngstar Super Premium Child Plan

This is a united-linked insurance plan and can be considered financial protection for your children. With this plan, you will get two flexible benefit payment choices as Save-n-Gain Benefit and Save Benefit. The four funds offered under this plan are Balanced Fund, Income Fund, Opportunities Fund, and Blue Chip Fund.

Apart from these, there are several other investment plans that you must consider for children. These plans will enable the children to have the kind of financial support that they need for their higher education. You can check out the details of each of the plans and choose the one that suits you the best.