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Why Child Health Insurance Plan is Important?

When it comes to supporting your child’s healthcare needs, timely access to medical services is important. Child health insurance is designed to help families manage medical expenses that may arise due to illness or accident. With rising healthcare costs, having a good health insurance plan that provides medical coverage can be useful to handle unexpected financial pressure. It helps parents to focus on their child's recovery and wellbeing instead of worrying about treatment expenses. These plans offer coverage for hospital stays, doctor visits, medicines, and sometimes even preventive care like vaccinations. It ensures that your child has access to quality healthcare at the right time, without delays. Read More


In this blog, we discuss what child health insurance is, its key benefits, available types, and why choosing the right plan is important for every family's peace of mind and financial protection. Read Less

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Written ByShruti gujarathi
AboutShruti gujarathi
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Shruti gujarathi has 5 years of experience in the BFSI sector, and as Manager- Digital Marketing at Bajaj Allianz Life Insurance, manages digital and content marketing. She has had hands-on experience in content strategy, performance marketing and Strategic Alliances over a career spanning 10 years.
Reviewed ByRituraj Singh
AboutRituraj Singh
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Rituraj Singh,With over 6.5 years of experience in the insurance industry, Rituraj Singh, Manager- Product & Brand Marketing at Bajaj Allianz Life Insurance overlooks new product launches, compliance, and brand projects, leveraging artificial intelligence and technology to enhance outcomes.
Written on: 05th July 2025
Modified on: 08th July 2025
Reading Time: 15 Mins
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Children Health Insurance Eligibility Criteria


Parents or guardians looking to buy medical insurance for children need to meet certain conditions. Here are some common eligibility criteria:


  • The child must usually be between 90 days and 18 years old.
  • Some plans may allow newborns from 1 day old under maternity covers.
  • Either parent must have an active insurance policy to add a child.
  • The child must be an Indian citizen if buying a domestic health plan.
  • Health-related declarations must be accurate to avoid claim issues.

Each insurer may have slight differences, so checking specific conditions while buying a plan is important.


Benefits of Buying Children Health Insurance Plans


  • Child health insurance offers several important benefits for families:
  • Financial protection: Covers hospital stays, medicines, doctor consultations, tests, and other medical costs. This helps families avoid heavy expenses during emergencies.
  • Cashless hospitalization: Many plans allow treatments at network hospitals without paying cash first. The insurer settles the bill directly with the hospital.
  • Critical illness coverage: Some policies give a lump-sum payment if the child is diagnosed with a serious illness like cancer, helping manage treatment costs better.
  • Outpatient care (OPD) coverage: Doctor visits, medicines, and tests that do not require hospitalization can also be covered under certain plans.
  • Newborn and maternity care: Some plans cover the medical expenses of a newborn from day one if the mother is already insured.
  • Mental health coverage: Many new policies now cover psychiatric consultations for children, as guided by IRDAI regulations.
  • Ambulance charges: The cost of transporting your child in an ambulance for emergencies is often included.
  • Preventive healthcare: Some policies offer free checkups, vaccinations, and early health screenings.
  • Easy renewals: Policies can be renewed every year easily, without a break in coverage, ensuring long-term protection.
  • Tax benefits: Parents may also enjoy tax savings under Section 80D (only under the old tax regime) of the Income Tax Act, 1961, for premiums paid.

Types of Children Health Insurance Plans


There are different types of pediatric coverage available, based on the child's needs:


  • Family Floater Plans: A single sum insured covers the entire family, including children.
  • Individual Child Health Plans: Separate policy only for the child with a dedicated sum insured.
  • Critical Illness Plans: Provides lump-sum payouts if a child is diagnosed with serious diseases.
  • Maternity cum Child Cover: Health plans that start protection from birth through mother's policy.

Choosing the right type depends on your family's overall health needs and budget.


Why is it Important to Have a Health Insurance for Children?


A medical insurance for children is important because it protects both the child's health and the family's finances. Here’s why:


  • High medical costs: Hospital expenses, medicines, tests, and surgeries are becoming more expensive. Insurance makes sure you are ready to handle these costs without stress.
  • Better treatment access: With a good insurance plan, you can choose quality hospitals and skilled doctors without worrying too much about the fees.
  • Common childhood illnesses: Children often suffer from illnesses like dengue, viral fevers, asthma, and stomach infections. Some of these can become serious and need hospital care.
  • Emergency support: Accidents like falls, burns, or fractures can happen anytime. Insurance ensures your child gets quick and proper treatment without delay.
  • Preventive care and regular checkups: Some policies cover routine health checkups, which can help detect health problems early. Early detection often means better and faster recovery.
  • Mental wellness support: Many health insurance plans now cover mental health consultations, helping children who may face stress, anxiety, or learning difficulties.
  • Building a health history: Having continuous insurance coverage builds a medical record for your child. This helps doctors give better care in future treatments.
  • Peace of mind for parents: Knowing that your child’s health needs are covered gives parents confidence and lessens financial worry.

Choosing the Right Health Insurance Policy for Your Child


Selecting the best child health insurance requires thorough planning and thought:


  • Coverage benefits: Check what hospital costs, OPD visits, critical illnesses, and vaccinations are covered.
  • Network hospitals: A large network ensures quick and cashless hospital admission.
  • Waiting period: Shorter waiting periods mean you can claim earlier if needed.
  • Premium cost: Choose an affordable plan without compromising coverage.
  • Sub-limits and caps: Know if there are any limits on room rent, ICU charges, etc.
  • Lifetime renewability: Prefer plans offering coverage renewal into adulthood without breaks.

Inclusions of Children's Health Insurance Plans


Most medical insurance for children includes the following:


  • Inpatient hospitalization
  • Daycare procedures
  • OPD consultations
  • Vaccinations
  • Ambulance charges
  • Critical illness coverage
  • Mental health consultations (where applicable)

These inclusions can vary slightly across insurance companies.


Exclusions of Children's Health Insurance Plans


It is important to know what is not covered:


  • Treatment of pre-existing diseases (until the waiting period is over)
  • Cosmetic surgeries, unless medically needed
  • Self-inflicted injuries
  • Non-medical expenses like registration fees
  • Injuries caused by illegal activities

Reading the policy documents carefully helps avoid confusion later.


Conclusion


Planning healthcare coverage for children is a step towards ensuring uninterrupted access to quality medical care. With rising medical expenses, having structured coverage can reduce the financial burden. You can easily select a plan that aligns with your long-term healthcare goals by reviewing policy terms, comparing benefits, and understanding coverage limits.


FAQs


Are pre-existing conditions covered under Child Health Insurance?


Most child health insurance plans cover pre-existing conditions, but only after a waiting period. This period is usually between 2 to 4 years. It means the insurance company will pay for treatments related to old illnesses only after this time. Always read the policy details carefully to know exactly when coverage will begin.


What is the waiting period for Child Health Insurance policies?


Some benefits start only after you complete the specified waiting period. The waiting time limits for new illnesses vary between 30 and 90 days. The waiting period for pre-existing diseases stretches between 2 and 4 years. The duration before particular benefits become available under specific conditions can be reduced by some health insurance plans. Free policy information should be available to let you verify your comprehension.


How much does Child Health Insurance cost?


The cost of medical insurance for children depends on many things, like the child’s age, what is covered, and the sum insured. On average, it costs between INR 2,000 to INR 5,000 per year for basic plans. If you want more coverage or special add-ons, the cost can be a little higher. The premiums may vary from insurer to insurer.


Can I add or remove dependents from my Child Health Insurance policy?


Yes, you can add newborns, adopted children, or even remove a dependent if needed. This usually happens during the renewal time of the policy. Inform the insurance company about any changes within the allowed time, usually 30 days from the date of birth, adoption, or any other qualifying event.


What are the eligibility criteria for Child Health Insurance?


Child health insurance policies usually cover beneficiaries who fit within an age range of 90 days up to 18 years old. The insurance requires parents or guardians to present proper documents which verify their identity and address. Child health plans provide insurance benefits to newborns when their parents link the maternity coverage. The policy requirements need to be checked before beginning an insurance application.


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~Individual Death Claim Settlement Ratio for FY 2023-2024

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%%Above illustration is for Bajaj Allianz Life eTouch- A Non Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N172V03) considering Male aged 25 years | Non-Smoker | Policy Term (PT)– 30 years | Premium Payment Term (PPT) – 30 years | Sum Assured opted is Rs. 1,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 6,238. 2nd Year onwards premium is Rs. 6,659. Total Premium Paid is Rs. 1,99,349 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly installments (Lumpsum Payout Percentage : 45, Income Payout Percentage : 55) | Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only. This is inclusive of all the discounts mentioned above.

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~Individual Death Claim Settlement Ratio for FY 2023-2024

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Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116


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Nifty 500 Multifactor 50 Index Fund is available Bajaj Allianz Life Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Allianz Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Allianz Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Allianz Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Allianz Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V02), Bajaj Allianz Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01), Bajaj Allianz Life Fortune Gain II- A Unit-linked Non Participating Individual Life Savings Insurance Plan (UIN- 116L196V02) and Bajaj Allianz Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V03)

 

In addition to the already existing funds, Nifty 500 Multifactor 50 Index Fund is now available with the above mentioned products. Customer has an option to choose from other available funds apart from Nifty 500 Multifactor 50 Index Fund

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