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Health insurance for children by Reliance General Insurance - get comprehensive health coverage at premiums starting at just ₹243 per month*
Health insurance for kids is an essential safety net for safeguarding their well-being, enabling access to top-class medical care and providing financial protection for all healthcare expenses.
A children's medical plan helps parents manage unexpected medical expenditures for sudden hospitalisation, injuries, surgeries, chronic illnesses that require long-term treatment, and more. Therefore, purchasing health insurance for children is important as it helps combat rising medical expenses, provides access to top-class medical care and the best doctors, and covers doctor's consultation fees.
At Reliance General Insurance, we prioritise your child's health and overall well-being by offering you a wide range of comprehensive and affordable health insurance plans. Our health insurance plans offer pan-India cashless hospitalisation, making it easy for you to access high-quality medical care and healthcare services for your child when needed.
We provide customised healthcare coverage for your children that fits your budget and needs. As your friend in your time of need, we help you brave health emergencies.
Children's health insurance is a type of health insurance plan that provides coverage for all healthcare needs of children. It is a policy designed to cover all the medical expenses incurred for vaccination, hospitalisation, doctor visits and more.
At Reliance General Insurance, we understand the importance of safeguarding your child's health. This is the reason children's health insurance is seamlessly integrated into our family floater plans. By adding your child as an insured member, you can ensure comprehensive coverage for their healthcare needs.
Our family floater health insurance plans offer extensive protection for your entire family, including children. This policy covers a wide array of medical expenses such as hospitalisations, vaccinations, surgeries, injuries, doctor visits, and more. By including your child in a family floater plan, you provide them with a financial safety net against any unforeseen or emergency medical costs.
With Reliance General Insurance, your family is covered for various healthcare needs, including cashless treatments at network hospitals and coverage for accidents, chronic diseases, and other health issues that may arise as your child grows. This allows you to rest easy, knowing that your child is well-protected and receives the best health care possible.
When you buy a children's health insurance policy based on your child's specific needs and budget, you pay an annual premium to ensure continuous coverage.
So, when your child needs to visit a doctor or is hospitalised, a children's health insurance policy steps in to shoulder your financial burden. In short, your child's medical needs are taken care of. This means you can focus on your child's health and treatment without worrying about money.
Child health insurance plans can be a part of family floater health insurance plans. A family floater health insurance plan covers your entire family in a single plan. Coverage benefits like hospitalisation, doctor visits and more are split among the family members.
The best part is you enjoy tax benefits under Section 80D of the Income Tax Act, 1961, on the premium paid for your child's health insurance.
Affordable health insurance for children safeguards your children's health, covering all medical expenses. It also provides financial dependability in times of accidents, illnesses or injuries. Here are some key reasons to buy health insurance for kids:
With affordable health insurance for children, you remain worry free that your children are covered for healthcare costs.
A health insurance policy for children offers deeper coverage, such as pre and post-hospitalisation, expense coverage for vaccines, routine check-ups, lab tests, etc., ensuring your child receives immediate and necessary medical care.
You can access a vast network of quality hospitals and leading child specialists when you buy health insurance for kids.
Premium paid for your child's health insurance policy is eligible for tax deductions under Section 80D of the Income Tax Act, 1961. This makes investing in a children's health insurance policy a wise decision.
Knowing that your child is covered under a comprehensive health insurance plan gives you peace of mind. You can rest assured that you are now prepared to overcome any medical emergencies that may arise.
Reliance General Insurance offers many health insurance policies that offer comprehensive coverage for a range of healthcare needs, including various illnesses and hospitalisations.
Our medical insurance for children plan is designed to offer affordable premiums and benefits such as cashless treatment at network hospitals.
The table below provides key features and benefits of health insurance for children:
With over 5 crore+* satisfied policyholders, Reliance General Insurance is one of the leading children's health insurance providers in the country. Your child's well-being is our priority, and it is secured with our affordable health insurance for children.
If you are looking for affordable plans, explore our family floater health insurance plan to cover your entire family. Reliance child health insurance plans offer a wide range of health insurance solutions for your diverse needs.
We have an impressive 100%* claim settlement ratio. This clearly shows our focus on quickly settling your claims. We are committed to supporting you through challenging times.
With the highest claim settlement ratio, our claim settlement process is swift, easy and hassle-free. Opt for our cashless benefits across our network of 10,000 cashless hospitals for easy claim settlement without any delays.
You can enjoy the convenience of purchasing or renewing your child's health policy online with minimal paperwork. There is no need for medical check-ups to secure our policy.
Our plans offer a wide range of coverage. You can tailor your child's health insurance plan to get comprehensive coverage that suits your needs, such as hospitalisation, surgeries, medications, and preventive care.
If your child is at risk of diabetes or other co-morbidities, our children's health insurance covers pre-existing conditions. However, the mandatory waiting period for pre-existing diseases usually ranges from 1 year to 4 years of continuous policy coverage.
With our plans, you can get preventive care coverage, including OPD care, covering a broad spectrum of medical attention for your child.
Health begins at wellness, not illness. You can monitor your child's health with routine lab tests and doctor visits. Our plans cover preventive care.
Here are some of the key benefits of purchasing children's health insurance from Reliance General Insurance:
Reliance child health insurance covers treatments that require less than 24 hours of hospitalisation, ensuring your child gets necessary medical care without a longer hospital stay. This helps in saving healthcare costs.
Reliance General Insurance offers Cashless Anywhere, a feature that allows you to get cashless treatments at all registered hospitals - network and non-network. So, now you can choose the hospital that you need without worrying about expenses.
Health insurance for kids offers coverage for pre- and post-hospitalisation, as well as coverage for your child's medical needs. Therefore, all costs incurred before hospitalisation and post-op care costs are taken care of.
Health emergencies arise without warning at any time and anywhere. Therefore, with Reliance General Insurance's 24x7 customer service for health insurance for children, you are prepared to deal with unforeseen events and manage them financially.
Health insurance for children often includes coverage for alternative treatments like Ayurveda, Unani, Siddha and Homeopathy therapies. This means you can choose non-allopathic treatments as and when the need arises and will get coverage for them.
In addition to cashless treatments and emergency care, with your child's health insurance plan, you get tax benefits under Section 80D of the Income Tax Act of 1961. You get tax deductions on all the premiums paid, maximising your tax savings.
For every claim-free year of your health insurance policy, you can avail of cumulative bonuses. These are in the form of extra sum insured, lower health insurance premiums and more.
If your child is diagnosed with a critical illness, you get a premium waiver. So you can focus on your child's health and treatment and not worry about paying premiums.
Affordable health insurance for children ensures that families from different economic backgrounds can access quality healthcare for their children without spending their savings. At Reliance General Insurance, you can buy plans that suit your needs and your budget.
Every child is unique, and so are their health requirements. Therefore, at Reliance General Insurance, we offer different health insurance plans to cater to children's diverse needs. Before investing in Reliance child health insurance plans, check the features they offer:
Reliance Health Global Insurance
A comprehensive international health insurance for complete global coverage.
Individuals and families who need quality medical care for planned treatments abroad can benefit from this plan.
Please note: It does not cover sudden medical emergencies when you are travelling abroad.
Reliance Health Gain Insurance
A flexible health insurance plan that is comprehensive and cost-effective with multiple benefits.
Reliance Health Infinity Insurance
A plan that offers extensive health coverage with a high sum insured.
Reliance Health Super Top-Up Insurance
Top-up protection on your existing policy.
Covers hospitalisation expenses such as illness or injury, room rent, ICU charges, doctor fees and nursing expenses. Your child's hospital stay and every medical cost is covered in the children's medical plan.
Treatments such as rhinoplasty and plastic surgery are excluded from coverage.
Children's health requirements differ and evolve as they grow, so there are different types of child health insurance plans available today.
When buying a health insurance policy, you must explore to ensure complete healthcare coverage for your child.
This cost-effective and convenient plan covers the entire family, and you can extend coverage for your child under it. The sum insured is shared among all members.
The Reliance Health Gain Insurance Policy allows you to extend coverage for your family members, including children. Coverage can be modified based on your child's needs and your other family member's needs.
If you are looking for a complete healthcare package that offers global coverage, choose the Reliance Health Global plan. It is the premier international health insurance policy for planned treatments worldwide, including the US and Canada.
With a sum insured of up to USD 1 million and unlimited coverage for treatments in India, it is designed for individuals and families seeking top-quality medical care globally. This policy covers joint replacements, neurosurgery, heart surgeries, and gene therapy.
Additionally, you get benefits like coverage for travel and accommodation for family members or companions who will support you and organ donors in case of organ transplant. You also get assistance with visas and related documentation.
Your employer often provides this plan and offers health coverage for you and your family. You can include your children in this plan.
Also Read: Importance of Health Insurance for Children
It is advisable to buy health insurance for kids as early as possible. When your child is young, buying a health insurance policy for children ensures comprehensive health coverage from an early age, protecting against unforeseen medical expenses.
You can buy health insurance for your child at 91 days of age to ensure early coverage.
You can buy a child health insurance plan online. Buying a policy online is convenient and secures your child's complete health.
It is important to understand if your child fulfils the eligibility criteria for the child health insurance plan. You must also check if your child is well within the age limit.
Medical history may be required (on a case-by-case basis).
Pre-existing conditions have a waiting period
Buying a child health insurance plan online is very convenient. You can purchase the plan from the comfort of your home.
Reliance General Insurance's online platform is user-friendly and easy to use. You can navigate and explore plans at your comfort anytime and from anywhere.
On online platforms, you can easily compare health insurance policies for children, evaluate them and make an informed buying decision.
When you buy health insurance for your child online, the policy gets issued instantly as soon as the transaction is complete.
Reliance General Insurance ensures your online transaction details and personal details are safe.
The online process is straightforward and streamlined. Just follow the instructions. There is minimal paperwork involved, and it is hassle-free.
You may get discounts* on premiums up to 40% on online insurance and other additional benefits, making it cost-effective.
Additionally, when you buy a child health insurance plan online, you get up to 40%* off on your policy premium. To buy the best insurance policy for your child, follow the steps given below:
Navigate to the Health Insurance page on the Reliance General Insurance website and enter your name, mobile number and area pin code.
Click 'View Prices'. Choose who to cover – your child. You can insure your child under a family floater plan up to 25 years of age, if they are dependent and unmarried. Provide all details regarding your child.
Choose the type of coverage you need, such as daycare, hospitalisation, critical illness, OPD, etc.
Choose the sum insured, add-ons, policy tenure and other options.
Add your child's details and pay the premium amount.
At Reliance General Insurance, child health insurance plan renewal is simple and easy. Whether you want to renew the children's medical plan or health insurance for children, you can do it online on our website or the Reliance Self-i-app.
Step 1: Visit our homepage. Navigate to 'renewal' and select 'Renew Health Insurance'.
Step 2: Enter your child's insurance policy number and its expiry date
Step 3: Click 'Go' and follow the payment process
If you are an existing customer, you will have hassle-free and seamless access to all your policy details via our Reliance Self-i app.
Renew your child's health policy with a tap. Download the app today to streamline your policy requirements.
Also Read: Health Insurance Renewal
Today, you can find a wide range of children's medical plans. However, choosing the best child insurance policy available in the market is important.
The table below compares the child health insurance plan from Reliance General Insurance with plans from other insurers:
A child health insurance plan can cover two to four children under 25 years of age, depending on the policy. Here are the key factors influencing health insurance coverage for children:
Age: Children aged 91 days up to 25 years are eligible for a child health insurance plan
Relationship: You can cover your dependent children - birth children as well as adopted children
Policy Terms: Read and review the policy document to understand the terms & conditions
Choosing the best child insurance plan can be stressful for parents. Consider the below factors before deciding on how to buy health insurance for children:
A child health insurance plan should cover hospitalisation, outpatient doctor visits, emergency room visits, paediatric care, and alternative treatments like physiotherapy and speech therapy.
When you select a health insurance plan for children, choose a premium that fits your budget without compromising on the coverage. You can use online health insurance premium calculators to calculate the premium and buy as per your budget.
Your child health insurance plan should have a vast network of renowned hospitals, including paediatric facilities and 24x7 emergency care. Preferably, go for policies that offer the 'Cashless Everywhere' feature.
This is the most important factor in health insurance for children. The claim process should be simple, quick and hassle-free. A dedicated helpline, 24x7 support and a user-friendly interface are a must to ease your stress during emergencies.
Health insurance for your child should have a reasonable waiting period for specific illnesses. This is the reason why you should insure your child early in life so they can reap the benefits faster.
Child health insurance plans should also offer coverage for pre-existing conditions like diabetes and critical illnesses, as well as early coverage for chronic diseases and conditions.
Your plan should offer options for wellness programmes, coverage for regular health check-ups, vaccines, and dental and eye care as needed for growing children.
Select a child health insurance plan that offers a cumulative bonus that increases or boosts the sum insured for claim-free years. It should also offer options to move on to higher coverage to cover your child's growing needs.
A lifetime renewal option is ideal. The renewal process should be simple and guarantee continuous coverage.
When you invest in a health insurance policy for children, it not only offers comprehensive coverage for your child's healthcare needs but also provides much-needed tax benefits.*
Premiums paid for children's medical plans are eligible for tax benefits* under Section 80D of the Income Tax Act, 1961.
If you buy a family-floater plan for you, your spouse and children:
Self and Family (Below 60 years): ₹25,000* deduction on premiums. - Parents (Below 60 years): ₹25,000* additional deduction.
Self and Family (Above 60 years): ₹50,000* deduction on premiums if both you and your spouse are above 60 years.
Preventive Health Check-ups: You can also claim a deduction of up to ₹5,000* for preventive health check-ups within your ₹25,000* or ₹50,000* limit, as applicable.
As per a report published by UNICEF (United Nations Children's Fund) as of 2023, approximately 36% of children in India have some kind of children's insurance plan. The national average, however, masks significant differences within different regions of the country.
Tamil Nadu and Kerala are two states with higher rates of coverage regarding the best child insurance plan for children, exceeding 40%. This is mainly due to effective public health initiatives and outreach programmes conducted to make people aware of the best health insurance options for children in India.
However, the states of Bihar and Uttar Pradesh are behind with about 20% coverage. This data reflects the regional inequalities in access to healthcare and health infrastructure.
These gaps indicate that customised plans are required to ensure every child in India gets equal healthcare benefits.
Investing in the best health insurance for children in India is the first step to ensuring your child gets timely and immediate access to high-quality healthcare.
When it comes to securing your child's health, the right amount of insurance coverage is essential. By including your child in a family floater plan, you provide them with comprehensive protection tailored to their specific needs. However, it's important to assess the extent of coverage required.
Children's healthcare needs vary with age. Younger children might require frequent doctor visits, vaccinations, and treatments for common childhood illnesses. As they grow older, their needs may shift toward coverage for sports-related injuries or specialized medical care. Therefore, when selecting a sum insured, consider the evolving needs.
In addition to general healthcare, consider any chronic conditions or ongoing medical concerns that your child may have. These conditions often require higher coverage limits due to frequent hospital visits, specialised treatments, or emergency care. It's recommended to opt for a higher sum insured rather than limiting coverage to ₹3 to ₹5 lakhs. The ideal coverage should comfortably encompass all potential medical expenses without straining your finances.
Moreover, if both parents have separate health insurance policies, your child can be included under both, providing additional security and financial flexibility. This dual coverage can be especially beneficial in scenarios involving significant medical expenses.
The goal is to ensure your child receives the best possible care without financial constraints. By carefully evaluating your child's needs and choosing a comprehensive family floater plan with adequate coverage, you can provide them with the healthcare protection they deserve.
Calculating children's health insurance premiums is best done using a health insurance premium calculator. It considers factors like age, health conditions, parents' existing policy, add-ons, type of policy, sum insured and more.
Based on these details, the premium for health insurance for kids is calculated.
At Reliance General Insurance, you need to take below steps to calculate your payable premiums:
Step 1: Visit official website of Reliance General Insurance and navigate to the Health Insurance page.
Step 2: Enter your details such as age, phone number, etc.
Step 3: Enter other requested information, such as the individuals you want to insure, coverage you need, add-ons you wish to include, etc., and click 'Get Price.'
At Reliance General, we stand out for our quick and promising claims settlement process, with over ₹6,921 crores* paid in claims and a claims settlement ratio as high as 100%*.
Register Your Claim: Inform our health insurance claims team soon after your child has been advised for hospitalisation by calling (+91) 4890-3009, via e-mail or Reliance Self-i application.
You will need to submit a few documents for claims approval.
Visit Any Hospital for Cashless Treatment: Once your claim is approved, you can visit any hospital for cashless treatment.
Reliance health insurance offers cashless everywhere facility for worry-free cashless treatment at a hospital near you.
Settle Your Claims Via Hospital's TPA: After your treatment is complete, the TPA desk of your chosen hospital will contact us and send us your medical bills.
Our claims team will collaborate with the hospital to settle your invoices as per the policy terms.
Register Your Claim: Inform our health insurance claims team soon after you are prescribed hospitalisation by calling (+91) 4890-3009, via email or Reliance Self-i application.
Undergo Treatment: After your claim is registered, you can get treatment at any hospital of your choice.
Make the Payment: For a reimbursement claim, you have to pay for the treatment from your pocket. Therefore, make the necessary payment and request invoices.
Submit Your Documents for Reimbursement: Within 7 days of discharge, submit a scanned copy of all your health insurance documents and medical bills to our claims team.
Once the documents are received and verified, we will release your reimbursement amount as per the inclusions of your health insurance plan.
You need to ensure that when it comes to buying health insurance for a child, you do not make any mistakes. Here are some common mistakes to avoid when buying a child's health insurance plan:
Ensure you have read all the coverage details in your kid's policy. You need to check for essential medical care, such as hospitalisation, OPD, vaccines and child specialist visits.
You must completely read the policy documents when buying health insurance for kids. Some kid's policies may exclude pre-existing diseases, cosmetic procedures and alternative therapies.
You need to plan for your child's future. The coverage in your health insurance for kids plan should be sufficient to meet your child's future health needs.
Choose an insurer that has a vast network of hospitals, clinics, and paediatric doctors in and around your area. This will help you arrange immediate medical care for your child. You can avail of cashless treatments at network hospitals.
Please read and review the entire policy documents, including all the conditions, waiting period, claim process and terms of renewal.
You must consider your budget. Compare the benefits with the premium amount. You are advised to choose a plan with a premium you can afford.
You must choose health insurance for kids with a cumulative bonus. This will help increase your insured amount in claim-free years.
Your child's health insurance policy must include preventive care benefits.
Here are some practical tips for effectively managing the health insurance policy for children:
Read the child health insurance plan document completely. Read the fine print, the exclusions, and out-of-pocket expenses so that you don't miss out on any details.
Please update your personal information and contact details on your policy. If you have any changes, please notify your insurer immediately.
Take advantage of the wellness programmes, health check-ups, lab tests, and other services included in your children's medical plan.
Stay current on the health insurance for kids policy terms and conditions. Also, keep track of all communication from your insurer.
All medical bills, prescriptions, claim forms, etc., for your child's medical plan should be handy.
Timely renewal of policy ensures your child gets access to the best healthcare options available.
Consult insurance advisors to understand your policy details. Make an informed decision regarding the health insurance policy for children.
Know the trends, policy wordings and more to get the maximum benefits for your child. Keep track of the policy changes, additions, new programmes, etc.
You can buy health insurance for a 5-year-old kid. As a parent, you can include them in your family floater plan. Ensure the plan offers coverage for your child, such as hospitalisation, vaccinations and OPD treatments.
Children up to the age of 25 can stay on their parent's health insurance policy.
This is possible when both parents have separate health insurance plans and have included their children in their respective plans.
One policy will act as the primary coverage plan and cover the majority of the expenses, while the secondary plan will bear additional costs.
A children's health insurance plans offer several benefits, including:
Financial surety
Preventive care
Access to quality healthcare
Peace of mind
Alternative treatment coverage like Homeopathy or Ayurveda depends on your insurer and the plan you buy for your child. Fortunately, Reliance General Insurance does cover AYUSH, i.e., Ayurveda, Unani, Siddha and Homeopathy treatments.
A pre-existing condition or condition is a health issue that was diagnosed before the purchase of the insurance plan. Due to these conditions, you will have to pay higher premiums and have to adhere to specific terms for coverage.
When your child falls ill or is diagnosed with an illness or a condition, they may need some medical procedures, as well as doctor visits, before they are hospitalised. Also, post-hospitalisation, they may need doctor visits. These are known as pre- and post-hospitalisation costs.
Health insurance for children may cost depending on the child's age, type of coverage, insurer, and their parent's policy.
A child is typically covered under health insurance until they reach the age of 25.
In children's health insurance plans, various coverage options are available:
Hospitalisation for in-patient department treatments, surgeries and hospital stays.
OPD treatments for doctor visits, lab tests, and daycare procedures.
Vaccinations for immunisation and preventive care.
Emergency visits to the doctor and urgent care.
Consulting specialists.
You cannot modify an existing child health insurance plan and coverage limits.
If you exhaust your sum insured amount in a policy year due to a serious illness or an accident, the entire sum insured is reinstated or restored so that you can continue with treatment.
You can select any hospital room under your Reliance General Insurance children's health insurance policy, as the room rent is not capped.
Many factors affect the premium for children's health insurance, such as:
Age of your child
Any pre-existing conditions will increase premiums
Coverage type is important as extensive coverage options will cost more
Location is important as healthcare costs vary by region, affecting premiums
Family medical history of hereditary conditions can impact costs
No. If you have added your family members to a single health insurance plan, then you will pay only one single premium.
You can pay your insurance premium via your credit card, debit card, net banking, wallet, EMI and UPI.
To file a claim under a child's health insurance policy, follow the below measures:
Inform your insurer after hospitalisation or treatment.
Fill out the claim form provided by the insurer with all the necessary details.
Submit all the documents, such as medical bills, prescriptions, and policy details.
Claim settlement happens on approval.
If you admit your child to one of our network hospitals, you can get a cashless claim. However, if the hospital is not on our network list, you will have to claim a reimbursement.
If you get treatment at a non-network hospital, you will have to pay the hospital bills from your pocket. You can then make a reimbursement claim so that the claims team can repay you for the bill amount.
Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. The details mentioned above are for multiple products such as Reliance Health Gain Insurance Policy UIN -RELHLIP21514V022021, Reliance Health Infinity Insurance UIN -RELHLIP21521V032021, Reliance Health Super Top Up UIN- RELHLIP21617V012021, Reliance Health Global UIN: IRDAN103RP0001V01202324.Premium: The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).Discounts: Applicable for the Reliance Health Gain Policy. Maximum applicable discount is 40% excluding long term healthy discount (aggregate).Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.Sum Insured: The mentioned sum insured are for Reliance Health Infinity and Reliance Health Global policies.Tax Benefits: Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.Claim settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
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