Few Points to Consider about Health Insurance for a Newborn

24-02-2015 / admin / 0

Today, new parents bank cord blood stem cells to secure the child as well as family from future diseases. However, majority of parents don’t recollect securing the newborn under online health insurance policies to cover medical costs of the child.
But, insurance companies in India may not provide an individual plan to a newborn. Hence, insurance experts suggest including the baby to current group mediclaim coverage of the parents or under the family floater plan.


Generally, most healthcare plans allow addition of a child to the parent’s policy when the child has completed 90 days. Also, few insurance companies in India provide the facility of health coverage from day one of birth as maternity benefit given under group health insurance India. Such plans may insure post-natal care or initial vaccination.


When applicant submitted the documents, then the insurer will recalculate the premium amount after addition of the child’s coverage and inform the revised amount. Once customer pay the revised premium, then the plan will be issued insuring the child also.


To add newborn in a policy at the time of annual policy renewal, applicant has to submit a copy of the child’s birth certificate, copies of medical records documents, and maternity charges to the insurer.


The insurance service provider must be informed within a week of birth if insured need coverage from day 1. Then, insurer may suggest the maximum coverage applicable for a child under the health insurance policy online. In case the insurer gives coverage when the baby is completed 90 days of period, then the process of additioncan be done at the time of annual policy renewal.
Facts to Remember
Usually, family floater plans cover a child till they turn 21 years of age.
Insurance companies in India may allow individual coverage for children over five years.
Submit a photo to the Third Party Administrator for issue of cashless card.

Meet Our Expert

Book an appointment with our Policy Expert to get competitive quotes


Get the latest updates on Insurance

-Registered By-

-Payment By-

-Secured By-

For more details on risk factors, terms and conditions please read sales brochure carefully before purchasing the insurance policy/concluding a sale.

Branch Offices:
Ahmedabad | Aurangabad | Bangalore | Bhopal | Chandigarh | Chennai | Cochin | Goa | Hyderabad | Indore | Jaipur
Kolkata | Lucknow | Ludhiana | Mumbai | Nagpur | Nasik | New Delhi | Pune | Raipur | Rajkot | Surat | Thiruvananthapuram | Vadodara

Landmark Insurance Brokers Pvt. Ltd.
CIN U66030PN2002PTC017009
IRDAI CoR No: 216 | Broker Code: DB 089/03 | Valid From 13/10/2018 till 12/10/2021 (originally licensed on 13/10/2003 and renewed thereafter) | Category: Direct (Life & General) | A member of IBAI
Regd. Off: Unit No. 402, 4th Floor, Business Avenue, Lane No. 6, Koregaon Park, Pune 411 001

Website: www.policyboss.com | Toll Free: 1800-419-419-9*

* Working hours: 9:30 a.m. to 6:30 p.m. (Monday to Saturday)