A Guide for Your Newborn’s Health Insurance in India

A Guide for Your Newborn’s Health Insurance in India

Many health insurance policies offer comprehensive coverage for the newborn from day one, after the 16th day or 90 days of birth; the newborn baby coverage is available up to the sublime subject to the delivery claim being admissible / paid or the mother is covered under the policy (Based on the terms and conditions of the policy).

Neonatal Care 

Low birth weight, premature birth, and other problems may necessitate specialized care in neonatal units. Many health insurance policies for newborns cover expenses associated with specialized equipment, treatments, and round-the-clock medical supervision, subject to the claim for delivery being admissible. 

Factors to consider before buying the best health insurance for newborn baby

Decoding health plans may not be as exciting as pondering your child’s future personality, but it is an essential step. To select the appropriate health plan for your growing family, here’s how to navigate your company’s options. 

Policy Premium 

It is recommended to compare the premiums of various health insurance policies using premium calculators available on the official websites of insurers to ensure that you are paying the correct premium for the benefits offered. 

Adding your newborn child to a family floater health insurance is a cost-effective way to cover them under health insurance. 

To enroll your newborn in your health insurance plan, you must submit the following documentation: 

1.The birth certificate of the baby 
2.The maternity discharge card 
3.Health reports that outline the baby’s medical condition, if applicable 
4.Any additional documents required by your health insurance provider. 

How to Add a Newborn to Your Family Health Insurance? 

Adding a newborn to family health insurance is straightforward and ensures coverage for early vaccination and postnatal care expenses. 

To add your little one to the plan, you must complete an application/ Proposal form to include them as a new member. 

Additionally, submit the required documents to your insurance provider. 

Afterwards, the insurer will calculate the new premium rate, considering the addition of the newborn.