Health insurance for new born babies covers medical expenses for the baby right from 90 days of birth. Bringing a child into the world is a joyous occasion, and expanding your family is always a happy event. But it is always good to be prepared for any health-related emergencies. Newborns often require immediate medical attention and care, and in such cases, treatments can be expensive and accessible only in limited healthcare facilities. Having newborn baby health insurance means you can access these treatments as early as possible without considering the cost.
Zero
Waiting period
10,500+
Cashless hospitals
100%
Bills covered
Health insurance for a newborn baby is a type of insurance that provides coverage for medical expenses for a newborn baby. This coverage typically starts from the moment of the baby's birth and continues throughout their infancy and childhood, as long as the policy is active. Here are some key points to understand about health insurance for a newborn baby in India:
This insurance typically covers a range of medical expenses, including hospitalisation costs, doctor's fees, vaccinations, and other healthcare services that the baby may require.
Health insurance for newborns can help parents manage the financial burden of medical bills associated with childbirth and postnatal care. It ensures that the baby receives proper medical attention without causing a significant financial strain on the family.
Coverage may include expenses related to pre- and post-natal care, congenital conditions, and any illnesses or injuries that the baby may develop during the policy period.
Parents may have the option to enhance the coverage by adding additional riders or benefits to the policy. These could include coverage for critical illnesses, special medical procedures, or higher coverage limits.
Premiums, the amount you pay for the insurance, will depend on various factors, such as the age of the baby, the sum insured, the duration of coverage, and the insurance provider. It's essential to pay the premiums regularly to keep the policy active.
Some health insurance policies may have a waiting period before certain benefits, such as coverage for specific illnesses or surgeries, become active. It's important to understand these waiting periods when purchasing a policy.
Health insurance policies for newborns typically require annual renewals. Parents must ensure that the policy remains in force to continue providing coverage for their child's medical needs.
Many insurance providers have a network of hospitals and healthcare providers where policyholders can receive cashless treatments. It's advisable to choose a policy that has a wide network to ensure convenient access to healthcare services.
In India, health insurance for newborns is an important consideration to safeguard the health and well-being of the child and to alleviate the financial burden of medical expenses. Parents should carefully review policy terms, compare different insurance providers, and select a plan that best suits their needs and budget to ensure their baby's health is well protected.
When it comes to securing health insurance for your newborn in India, understanding the process is essential. Here's a breakdown of how newborn baby health insurance works:
To enrol your newborn in a health insurance policy, you typically have a window of 30 days from the date of birth. Some insurers offer a grace period, but it's advisable to enrol your child as soon as possible to ensure uninterrupted coverage.
There are two main types of policies you can consider for your newborn:
Newborn baby health insurance plans in India typically cover a range of medical expenses, including hospitalisation, doctor's fees, medical tests, and surgeries. Additionally, some policies might include vaccination costs and pre-existing conditions after a waiting period.
Premiums for newborn health insurance policies vary based on factors such as the insurer, type of policy, coverage amount, and location. Premiums are generally lower for infants, but it's crucial to compare policies and choose one that provides adequate coverage.
In case of a medical emergency involving your newborn, follow these steps to file a claim:
Newborns are particularly vulnerable to health risks during their initial months of life. Health insurance for newborns provides a safety net, offering financial support to families in times of medical emergencies. Without adequate coverage, families may find themselves facing exorbitant medical bills that can place significant strain on their finances. Moreover, securing health insurance early ensures that newborns have access to timely medical care, preventive measures, and vaccinations, setting the foundation for a healthy life.
Here are the benefits of buying a health insurance plan with health insurance coverage for a newborn baby.
A dedicated health insurance plan with newborn coverage ensures that your child receives comprehensive medical care from the very beginning. This covers essential healthcare needs such as vaccinations, regular check-ups, and preventive measures.
Beyond newborn care, this plan often includes maternity benefits that encompass prenatal and postnatal expenses. From regular doctor visits to delivery-related costs, the plan supports expectant mothers throughout their journey.
In the unfortunate event of your newborn requiring hospitalisation, the insurance plan steps in to cover hospital expenses. This includes room charges, medical procedures, and other related costs, significantly easing the financial burden on parents.
Certain health conditions might necessitate NICU care for newborns. A specialised insurance plan offers coverage for NICU expenses, ensuring that your baby receives the best care without worrying about high medical bills.
One of the standout features of such insurance plans is the option for cashless hospitalisation. Parents can avail necessary medical services without upfront payments, as the insurance provider settles the bills directly with the hospital.
In unfortunate cases of critical illnesses affecting the newborn, this type of insurance plan offers coverage for specialised treatments and procedures. This ensures that your child has access to the best available medical care.
These plans often extend their coverage to include family members, offering a comprehensive health safety net for everyone. This is particularly beneficial for parents who want a unified health insurance solution.
The emotional stress of having a sick newborn can be overwhelming. With a health insurance plan, parents can focus on their child's recovery without the added worry of managing medical expenses.
Many health insurance plans offer lifetime renewability, which means that your child can continue to be covered even as they grow into adulthood. This ensures consistent protection throughout their life.
Insurance plans often provide access to a network of medical professionals, allowing parents to seek expert opinions and second diagnoses. This can be incredibly valuable when making important medical decisions for your child.
Here are the types of health insurance plans with coverage for newborn babies.
Family health insurance plans often include maternity coverage, ensuring comprehensive care for both the mother and the newborn. These policies cover pre and post-natal expenses, including hospitalisation, doctor consultations, and medications. Such policies provide financial relief during childbirth and ensure that your newborn receives quality medical attention from the very beginning.
Standalone policies are specifically designed for newborns, addressing their unique medical needs. They cover expenses related to vaccinations, congenital disorders, and critical illnesses. These policies offer a dedicated coverage amount for the baby, ensuring that they receive the necessary medical interventions without any financial burden on the family.
Child health plans offer a wide scope of coverage that extends from infancy to adolescence. These policies are ideal for parents who want a long-term health insurance solution. They cover routine check-ups, vaccinations, and potential medical emergencies. By starting early, parents can secure their child's health for the years to come.
Many companies offer health insurance benefits that cover employees and their families, including newborns. These policies can provide extensive coverage for childbirth and neonatal care. It's essential to understand the extent of coverage offered by your employer and whether it meets your family's needs.
In India, various government initiatives aim to provide healthcare support to newborns and their mothers. Schemes like the Pradhan Mantri Surakshit Matritva Abhiyan (PMSMA) offer free health check-ups and care during pregnancy. Additionally, the Ayushman Bharat scheme provides coverage for families from economically vulnerable backgrounds, ensuring access to quality healthcare.
You can add newborn baby coverage to your health insurance plan. Here are a few ways in which you can do so.
Some insurance companies offer add-on riders that can be attached to existing policies to cover newborns. These riders enhance the coverage of the policy, encompassing the medical needs of the newborn. It's advisable to carefully read and understand the terms of these riders before opting for them.
Certain health insurance policies allow for the inclusion of maternity coverage as an upgrade. While not exclusively for newborns, this upgrade can prove beneficial for expectant mothers. It covers the expenses associated with childbirth and related medical care.
Some insurers provide family discount policies where the premium rates are reduced when covering multiple family members, including newborns. This can be a cost-effective option for ensuring the health of your entire family, including your precious newborn.
Here are the benefits of including your newborn baby in your ACKO health insurance policy.
Medical expenses can be exorbitant, especially in cases of unforeseen illnesses or emergencies. Health insurance ensures that you are financially prepared to handle such situations.
With health insurance, you can provide your child with prompt medical attention without worrying about the cost. This can significantly impact the outcome of their treatment.
Many insurance plans cover vaccinations and regular check-ups, promoting a healthy start for your baby's life.
Health insurance grants access to a network of reputable hospitals and healthcare providers, ensuring that your child receives the best possible care.
Opting for a health insurance plan early in your child's life can lead to lifelong coverage without the hassle of renewing or changing policies frequently.
To add your newborn to your health insurance coverage, you will need to provide the following documents:
You can usually submit these documents to your health insurance provider online, by mail, or in person. The exact process will vary depending on the provider.
Here are the general steps to buy health insurance for your newborn baby.
Learn about the different health insurance plans available for newborns in India. Compare their coverage, benefits, premiums, and network of hospitals. Choose a plan that best suits your family's needs.
If you already have a health insurance policy, contact your insurance provider to learn about their process for adding a newborn to the policy. This may involve submitting certain documents and paying an additional premium.
Some health insurance plans have waiting periods before certain benefits can be availed. Make sure you are aware of these waiting periods and choose a plan that aligns with your requirements
You will typically need to provide documents such as the baby's birth certificate, hospital records, and identity proofs for both parents. Gather these documents before proceeding.
Complete the application form for adding your newborn to the health insurance policy. Double-check all the information provided to avoid any discrepancies.
Carefully review the application form to ensure accuracy. Once reviewed, submit the form along with the required documents to the insurance provider. Keep copies of all documents for your records
Not having health insurance for a newborn is a risky proposition. It can lead to financial instability, limited access to quality healthcare, and neglected preventive care. It can also make it difficult to get coverage for pre-existing conditions and pay for mounting healthcare costs. If you are considering having a baby, it is important to get health insurance as soon as possible to protect your child's health and your financial future. Some of the risks are:
Medical expenses can be very high, especially for newborns who are more likely to get sick or injured. Without health insurance, you could face financial issues.
Without health insurance, you may not be able to afford to take your newborn to the best doctors or hospitals. This could put your child's health at risk.
Emergencies can happen at any time, and without health insurance, you may not be able to afford to pay for the care your newborn needs. This could have serious consequences for your child's health.
Regular check-ups and preventive care are important for keeping your newborn healthy. Without health insurance, you may not be able to afford these essential services.
Some conditions are present at birth or develop shortly after. Without health insurance, it may be difficult or impossible to get coverage for these conditions. This could make it difficult to manage your child's health.
The cost of healthcare is rising, and newborns require a lot of medical care in their first year. Without health insurance, you could be on the hook for these expenses, which can quickly add up.
Here is a list of things you must consider while buying health insurance coverage for your newborn baby.
When exploring health insurance options for your newborn, it's vital to understand the coverage and benefits offered by different plans. Look for policies that cover hospitalisation, vaccinations, doctor consultations, and potential pre-existing conditions. Having comprehensive coverage ensures that your baby receives the best medical care without financial constraints.
Check whether the insurance provider has a network of reputable hospitals in your vicinity. Opting for a plan with a wide network ensures easy access to medical facilities, reducing travel time during emergencies.
Some insurance plans have waiting periods before specific benefits are applicable. Be aware of these waiting periods, especially for maternity-related expenses and pre-existing conditions, to avoid unexpected surprises.
The sum insured represents the maximum amount the insurance provider will pay for medical expenses. Consider inflation rates and potential healthcare costs when selecting the sum insured. It's wise to choose a higher sum insured to adequately cover any unforeseen medical expenses.
Compare premium rates of different insurance policies while keeping the coverage in mind. While it's essential to find an affordable plan, prioritise coverage over the lowest premium. A slightly higher premium might provide better coverage, ultimately saving you more in the long run.
Thoroughly read and understand the policy's exclusions. Certain treatments, conditions, or situations may not be covered. Knowing these exclusions helps you avoid misunderstandings during a medical crisis.
A smooth and hassle-free claim process is crucial during emergencies. Research the insurer's reputation for claim settlement. Online reviews and customer feedback can provide insights into the claim process's efficiency.
Ensure that the policy includes coverage for newborn babies from birth. Some policies might have a waiting period before newborns are covered, leaving them vulnerable during their initial days.
Look for policies that offer additional benefits such as wellness programs, preventive care, and tie-ups with paediatric specialists. These perks can enhance your baby's healthcare journey.
You can contact ACKO and request to add your newest member to the plan. However, there are certain criteria that you need to meet before you can add your baby to the plan:
Here are the steps on how to add your newborn baby to the ACKO Platinum Health Insurance Plan:
The birth of a child brings immense joy along with significant financial responsibilities. As first-time parents, estimating potential healthcare costs and buying adequate health insurance is essential to secure your child’s future. Here are some tips to make the right coverage decisions:
The first step is accounting for the costs around pregnancy and welcoming your little one to the world:
Once the baby arrives, plan for regular healthcare costs in the first year:
While you hope for a normal delivery and a healthy baby, it is crucial to be financially prepared for any complications:
Plans with no waiting period for maternity coverage ensure financial security right from birth. If choosing plans with a waiting period, pick 2-3 years for newborn coverage to start early.
Purchase add-on riders, as they would be extending benefits to newborn baby health insurance:
To get the best affordable plan with optimal coverage for your newborn baby, the following tips can be helpful:
While bringing a newborn into your family is a happy time, it also brings new responsibilities. Health insurance for your newborn will be one of the critical steps in protecting their health and setting financial stability for your family. The right plan will keep the unexpected costs away from you and open access to quality care for your child.
Act now! Learn about ACKO's newborn baby health insurance programs and begin your child's journey to a healthier tomorrow.
Here are common queries about health insurance for newborn babies.
Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.
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