Best Health Insurance Policy for New Born Baby in India

3 min read

Children are a bundle of joy for their parents. Every parent wishes to provide the best care to their new born babies. That is why they try to choose the best healthcare for their babies. However, healthcare expenses have gone through the roof. Affording such high expenses is a difficult task. That is why some Health insurance policies provide new born baby coverage either as an optional cover or as an inbuilt cover with maternity. If it is inbuilt no additional premium is required but if the new born baby cover is optional, the policyholder would have to pay an additional premium to opt for the cover.

If you are looking to buy the best insurance policy for new born baby, here is a list containing some of the best plans –

1- Bajaj Allianz Healthcare Supreme

Healthcare Supreme is a comprehensive health plan offered by Bajaj Allianz. The plan allows a wide range of both inbuilt benefits and add-on coverage features. So, you not only enjoy a good scope of coverage, you can customize the coverage based on your requirements. Some salient features are –

  • Physiotherapy expenses are also covered
  • Inbuilt maternity and new born baby cover. The new born cover provides coverage for medical treatments of the new born and vaccination expenses up to the first 90 days

2- Max Bupa Heartbeat Family First Plan

This plan comes in two variants of Silver and Gold with coverage going up to Rs.15 lakhs. Other features are as follows –

  • Insurance policy for new born baby cover is available till the sum insured limit
  • New born baby is covered till the end of the policy term even if it is more than 90 days
  • Coverage is also allowed for the vaccinations of the new born baby till the baby reaches one year of age

3- Apollo Munich Easy Health Insurance

Apollo Munich’s Easy Health plan comes in three variants and new born baby coverage is available in the last two variants of Exclusive and Premium. It is an optional cover that can be added at the payment of an additional premium. Features of the plan include the following –

  • Sum insured going up to Rs.50 lakhs
  • Daily cash benefit for choosing shared accommodation and for accompanying a minor child
  • Insurance policy for new born baby coverage limit ranges from Rs.2000 to Rs.5000

4- ICICI Lombard Complete Health Insurance

ICICI Lombard’s Complete Health Plan is a comprehensive Family health insurance plan which allows both inbuilt and optional coverage benefits. Its salient features include the following –

  • Reinstatement of sum insured by 100%
  • Specially designed wellness programs to promote healthy living
  • New born baby cover is available at an additional premium if maternity coverage is chosen
  • New born benefit covers the new born baby for up to 91 days from the date of birth

5- Religare Joy

Joy is a specially designed maternity-oriented health insurance plan. It comes in two versions of Today and Tomorrow and aims to provide Maternity cover with a short waiting period only. Features include the following –

  • A maternity waiting period of 9 months only under the Today variant
  • The new born baby cover is available up to Rs.50, 000
  • Birth defects of the baby are also covered under the Tomorrow variant
  • No limits on room rent

So, choose from these health plans for your new born baby’s coverage.

Choose wisely!

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Gayatri Prabhu, Head-Digital Business at Mahindra Insurance Brokers Limited (MIBL) is one those few digital leaders who has the width and depth that is required to execute an ROI driven holistic digital strategy. She cuts through the noise, identifies the critical levers and leads her team to successful execution of the defined strategy. Her core mantra to win new and retain existing customers is: understand the consumer behavior and craft experiences around it.

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