Health insurance for infants has become an essential aspect of parental planning. It offers exclusive coverage to newborn babies to ensure their good health and timely care. It covers a wide range of expenses such as vaccinations, routine check-ups and emergency hospitalisations.
Newborn insurance also makes high-quality healthcare accessible by allowing easy access to network hospitals. Let's learn more about newborn health coverage and its benefits.
What is Newborn Health Insurance?
Health insurance for infants is designed to meet the healthcare needs of newborn babies. It covers a wide range of costs associated with medical care and treatment of children in the early phase of their life.
This type of insurance policy typically covers expenses such as consultation fees, vaccinations, hospitalisation, specialised infant care and other neonatal expenses.
Why Do You Need Insurance for Newborn Babies?
Rising Healthcare Cost
Healthcare costs are rising sharply all over the country. This is especially true for tier-1 and tier-2 cities. Frequent doctor visits under such inflation can lead to financial challenges. To protect your savings and to ensure timely care of your children, health insurance is a must.
Weak Immunity
Medical insurance for newborn children is needed as they are more vulnerable to diseases due to weaker immunity. A suitable health insurance plan with adequate coverage allows you to get the required treatment without worrying about expensive bills.
Risk Exposure
Newborn kids and infants are exposed to a variety of health risks and accidental injuries during the early phase of their lives. Having a suitable insurance policy ensures timely treatment and recovery from such incidents.
Benefits of Newborn Health Insurance
Financial Security
By offering necessary financial coverage for your infant, newborn health insurance offers financial security and peace of mind you deserve as a parent.
Comprehensive Coverage
Health insurance for newborns is curated to offer a broad coverage to related health issues. From hospitalisation to preventative care and vaccinations, you get all-round coverage under one policy.
Routine Check-up
Newborn health insurance plans include routine-check up in their coverage. This allows you to monitor the health of your newborn child and take preventative measures for serious health issues.
Cashless Hospitalisation
Cashless hospitalisation is another notable benefit of health insurance for infants. It allows you to receive cashless treatment for your baby without making any last-minute money arrangements.
No Claims Bonus
When you buy a health insurance policy for infants, it comes with No-Claim Bonus rewards. These rewards are offered for every claim-free year in the form of discounts or increased sum insured at the time of policy renewal.
This is a significant benefit of newborn insurance that helps you reduce your premiums and enjoy comprehensive coverage for your little one.
Types of Newborn Health Insurance Plans
Standalone Newborn Health Insurance
These plans are designed especially for infants or newborn babies. They cover unique healthcare needs of newborns such as congenital disorders, vaccinations, critical ailments and so on.
This type of health insurance plan is excellent for offering dedicated coverage for a baby, ensuring their good health and well-being.
Family Health Insurance
Many family floater health insurance plans offer an option to add newborn children as a new member to the plan. These plans cover a wide-range of healthcare expenses including hospitalisation, pre- and post-natal expenses, medications, doctor visits and more.
Employer-Sponsored Health Insurance
Some employer sponsored or group health insurance also allow the beneficiaries to extend their coverage to their spouses and children. However, the financial coverage offered by such plans is very limited.
Newborn Covers
Many insurance providers offer maternity and newborn covers as optional add-ons to existing health insurance policies.
These are paid riders that can be bundled with your policy to cover the healthcare expenses of newborns and their mothers. These cover scenarios like vaccinations, hospitalisation, childbirth, pre-and post-natal care and so on.
Reliance Newborn Health Insurance Plans
Reliance Health Infinity Insurance
It is one of our best-selling insurance for newborn. With a family floater policy, you can add a child with age of 91 days to 25 years as a new member to the policy.
Our
Reliance Health Infinity insurance offers multiple sum insured options ranging from ₹5 lakhs to ₹5 crores with comprehensive coverage. It covers daycare treatments, pre- and post-hospitalisation expenses, routine check-ups and many other health conditions.
Reliance Health Global
If you are a frequent traveller or are seeking global financial coverage for yourself or your baby, you can consider investing in
Reliance Health Global. This plan covers your healthcare expenses abroad with options for cashless hospitalisation and allows you to include dependent children from 91 days to 25 years of age.
Maternity Cover
Besides comprehensive health insurance plans, we also offer a Maternity Coverthat can be purchased with individual and standalone health insurance policies.
It covers your maternity and childbirth expenses including pre- and post-natal OPD expenses, vaccinations, emergency treatments, delivery, lawful termination of pregnancy and more. It is a must have add-on for expecting parents and those who are planning to extend their family.
Factors to Consider Before Buying Newborn Health Insurance
Neonatal Coverage
Make sure that the selected insurance policy offers the required coverage for your newborn baby from birth. Ensure that it covers various neonatal conditions such as premature birth, jaundice, congenital heart problems and more.
Sum Insured
Whether you are adding your newborn to an existing policy or seeking a standalone plan, choose your sum insured amount mindfully. Make sure that the chosen amount is enough to cover the potential healthcare expenses of the child, including vaccinations, routine check-ups, emergency hospitalisation and more.
Premiums
Health insurance premiums should also be taken into account when buying a policy for newborn babies. Consider factors like your income, location, type of coverage and medical condition of your newly born child.
Waiting Period
The waiting period is another crucial factor to consider when choosing health insurance for newborns. It is the initial duration for which you have to wait before claiming your insurance policy. In the case of newborn insurance, make sure that the policy covers your baby from the first day.
Network Hospitals
Ensure that the chosen provider has an extensive network of hospitals where you can receive cashless treatment for your newborn. At Reliance General Insurance, we have a vast network of more than 7,500 trusted hospitals where you can get the best treatment for little ones without worrying about upfront payments.
Vaccinations
Vaccinations are not only crucial for newborns, but they are also quite expensive. Make sure that your newborn insurance plan covers the cost of vaccinations and related expenses. This will allow you to get timely care without any financial struggle.
Claims Process
Smooth claims settlement is necessary for seamless financial coverage. Hence, it is important to check the claims settlement process provided by the insurer. At Reliance General Insurance, we offer easy and quick claims settlement with a facility to file your claims online.
Can You Add a Newborn to an Existing Family Health Insurance Plan?
Yes. It is possible to add your little one to an existing family health insurance plan. You can do this by requesting your insurer to add them as a new family member to the plan. To do this, you may need to fill out an application/proposal and provide the required documents.
Based on the information, your plan will be revised with the new sum insured and premium details. Further, if you want to add your newborn child to an individual plan, you can do so by purchasing maternity coverage during your pregnancy.
Not only does it cover your post-childbirth expenses, but it also offers coverage for pre-natal care, offering you the maximum financial protection for family planning.
Frequently Asked Questions
Can I buy health insurance for a newborn baby in India?
Yes. You can easily buy health insurance for a newborn baby in India. The majority of insurance companies allow you to add your newborn to an existing plan within a specific duration after their birth. You can also purchase a family insurance plan or individual plan with a suitable newborn add-on.
How does health insurance work for a newborn?
The newborn health insurance works by offering specialised coverage for medical expenses of the newborn child resulting from hospitalisation, vaccinations, pre and post natal care and more. Contact our team for more information.
How do you cover a newborn baby?
There are mainly two options to cover your newborn child:
Add to Your Existing Plan: You can add the child to your existing health plan by providing the necessary documents, such as their birth certificate, health report and so on.
Buy a Separate Plan: You can buy a separate plan or add-on, such as Maternity Cover, with your underlying policy to offer dedicated coverage to your newborn. This add-on covers expenses resulting from childbirth, neonatal care, vaccinations and more.
What is the right age to buy health insurance for a newborn baby?
There is no right or wrong age to buy health insurance for your newborn child. Ideally, you should buy a plan right after the birth of your child.
In fact, you can consider buying a suitable newborn insurance policy when you are an expecting parent or planning to extend your family. The sooner you buy, the more comprehensive coverage you get.
How can you find the best health insurance for a newborn in India?
Finding the best newborn health insurance requires a strategic approach that includes considering the following factors:
Coverage for newborn-related health issues.
Cashless hospitalisation in network hospitals
Quick claims processing
Affordable premiums
Minimum waiting period
Coverage for pre-existing conditions
Etc.
What is newborn health insurance cost?
The newborn insurance cost is determined on the basis of multiple factors such as type of policy, selected sum insured, location, risk exposure and more. You can use our
health insurance premium calculator to learn about the potential cost of your selected health insurance plan.
Which is the best health insurance company for a newborn baby?
Reliance General Insurance is the best health insurance company for a newborn. We offer excellent newborn health insurance plans with benefits like cost-effective premiums, 100% claims settlement, extensive network of hospitals, quick claims processing and more. Reach out for more information!
Does newborn health insurance cover vaccination costs?
Yes. Most newborn health insurance plans cover the vaccination cost of the child. However, it may vary from one insurance company to another.
Some plans offer it as a part of standard coverage while others may offer it through an add-on. Thus, it is recommended to get in touch with your insurance company for clarity on the same.
Which is the best health insurance for infants?
The Reliance Health Infinity Insurance is the best health insurance policy for a newborn. You can purchase it as an individual policy or family floater plan to cover the children from 91 days to 25 years.
How do I add my newborn to an existing health insurance plan?
To add your newborn to an existing health insurance plan, you can either upgrade to a family floater policy or purchase Maternity Cover with your individual plan. You can contact our team to learn about the detailed process.
You may also need to provide a few documents, including the birth certificate for your newborn baby.
Does group health insurance cover newborns?
Most group health insurance plans offer coverage to the primary policyholders with an option to extend coverage to their dependents, including children.
However, the coverage offered by group health insurance is very limited. Hence, it is recommended to purchase an individual or family health insurance with a suitable maternity cover.
Does health insurance for newborn children cover international healthcare expenses?
Whether or not a newborn health insurance policy covers international health expenses depends on the type of policy and insurance company. Our Reliance Health Global plan offers coverage for both health expenses in India and abroad.
You can buy this policy to cover yourself and your family, including the newborn, for comprehensive coverage. For more information, it is advisable to enquire about such inclusions with your existing or potential health insurance provider.
Disclaimers:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Health Infinity UIN: The details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223
Health Global: Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324