You need health cover regardless of what you take two at a time - pills or stairs.
  • Health Insurance For Your Children

    Children are the apple of their parent's eyes and as a parent, you would move heaven and earth to make sure your children have the best of everything. Making sure they have everything they need for a happy, healthy childhood is what every parent aspires for, from a good education to the best money can buy. Besides taking care of your children’s material comforts, ensuring they are healthy is integral to their wellbeing. Children have a lower immunity compared to adults and are more susceptible to diseases, with some illnesses targeting children exclusively.

    Inoculations and regular check-ups are also vital as children are growing up, as these protect them from infectious diseases like diphtheria, mumps, measles and a host of other infections.

    Making frequent trips to doctors, while necessary, is also very expensive. With a number of children now being born with fatal allergies, parents have to pay for expensive treatment and medication right from childhood. To ensure you don’t spend all you earn inn keeping your children healthy, investing in a health insurance plan for them is a wise choice.

    Health insurance companies offer a number of plan for children, covering every stage of their growth, with the plans tailor-made for a particular stage. Child health insurance plans generally cover a broad range of illnesses, with some also including annual check-ups as part of the plan.

    Types of Child Health Plans:

    Depending on the type of cover you are looking for, there are a variety of child health insurance plans on the market.

    Individual Child Health Plans:

    Individual child health plans provide health coverage for your child with a slew of benefits such as cashless hospitalisations and comprehensive coverage. Besides hospitalisation, these plans cover medical check-ups, ambulance charges, specialist costs etc.

    Benefits of Individual Child Health Plans:

    Individual child health plans offer the following benefits:

    • Lower premiums- the premiums charged for these plans are low since the risk associated with the insured is minimal. Thus, parents can save on premium amounts and receive insurance coverage for the children. .
    • Added perks- these plans often include perks such as cashless hospitalisation, allowing the insured to be treated at partner hospitals without needing to pay as the insurer will cover the costs directly.
    • No Claim Bonus- some plans offer a No Claim Bonus, where the premium amount payable for the following term is reduced or the Sum Assured is raised without charge if there are no claims made during a particular period.

    Family Floater Health Plans:

    A family floater health plan is a health insurance plan that covers the entire family. These plans can cover the primary holder, spouse as well as up to 4 children in the case of most plans. These plans are generally long-term plans and new members can be added as early as birth. The advantage of such plans is your children are covered right from birth, with everything from hospital stay to infant vaccinations being covered.

    As the children grow, they will be included as separate entities under the plan and they will receive the benefits enjoyed by the parents. In some cases, family floater plans cover children 90 days after birth only, with the infant’s cover renewable annually after payment of a separate premium.

    While family floater plans cover your children as infants and teenagers, they have an upper limit of 25 years, after which they are not included under the policy.

    Benefits of Family Floater Health Plans:

    Family health plans offer the following benefits:

    • No-hassle plan tracking- with all the family covered under one plan, it is easier for the policyholder to keep track of the plan and cover associated with the plan. Filing a claim is also simpler as the process can be streamlined.
    • Discounts- there are special discounts associated with adding members to a plan, and the younger the added member, the lower the premium.
    • Fixed premium- premiums are fixed for the duration of the policy term, freezing premium payments for that duration.
    • Add-on covers- there are a number of add-on covers that can be linked to your plan as and when required.
    • Tax benefits- enjoy tax benefits of up to Rs.30,000 on plans for senior citizens and up to Rs.25,000 for others.

    Buying health insurance for your children is the best way to achieve peace of mind and also ensure your bank balance isn’t depleted courtesy doctor’s appointments. Buying a health insurance plan for your children at a young age also comes with the added incentive of lower premiums, allowing you to safeguard your children’s health without burning a hole in your savings.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    health insurance for children Reviews

  • Page 1 of 4 1 2 3 4
    • Religare Health Insurance
      "Normal Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the health insurance policy from the Religare. I am paying of 12000, there hasn't been any claim experience with the policy. The policy is offering a coverage of 5 lacs for me me my wife and children.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Aug 24, 2018
    • Cigna TTK Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health Insurance policy from the Cigna TTK insurance company. I am paying a premium of 15 000 yearly, This policy is for the entire family, me, Wife and children. I do not have claim experience. The features are good for the premium I pay. So far it has been a good experience with the policy.
      Was this review helpful? 2
      , kolkata
      Reviewed on Jul 26, 2018
    • HDFC Ergo Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken this insurance almost one year and the services which they had been providing so far had been good. There has been some cashless treatment which i had been getting as well. I had taken this for my whole family, me and my wife and children. Their customer support and their staff responses also had been good as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 25, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 8 years, i am not aware of the premium amount as the company pays it. I have a coverage value of Rs 1 lakh and that covers spouse and children. I have no claim experience so far from this insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 08, 2018
    • HDFC Ergo Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have my health insured with HDFC ERGO from last 2 years, i am happy with the coverage value of this insurance policy as they cover Rs 10 lakh for self, Rs 5 lakhs for spouse and Rs 2.5 lakhs for child. I have not claimed anything so far from this insurance and i pay a premium of Rs 1000 every month.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 30, 2018
    • New India Health Insurance
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      It has been a good experience with New Assurance and the process was easy to get my heath insurance. The medical coverage is for three lakhs for me and easy of my family members, my spouse and child too. The premium is of 7800 per year. There are good benefits.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 10, 2018
    • Star Health Health Insurance
      "Good Family protection Plan"
      0.5 4.0/5 "Great!"
      They provide more benefit than other insurance company, I took family optima plan. I made the premium around Rs. 15k per year, it covers totally 2 children, 2 adults with good medical coverage. I can use for emergency pre and post medical can be provided. They have free medical check up on yearly basis including 40% of no claim bonus.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 27, 2018
    • United India Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with United India Insurance from last 3 years and it is a good policy to use. This policy has to be renewed every year and i pay a premium of Rs 7000 on annual basis. I do not have claim experience so far with this insurance. I have a coverage of Rs 3 lakhs, only spouse and children are covered in this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 26, 2018
    • United India Health Insurance
      "Better service"
      0.5 4.0/5 "Great!"
      I hold the health insurance policy with the United India insurance for past 3 years. The customer support is good with the Untied India. This policy covers 4members in the family. Which is myself , my spouse and my children. I pay Rs,6000 to renew the policy every year. The policy has the coverage of Rs,3lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 28, 2017
    • Star Health Health Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have my health insurance with Star Health & Allied Insurance. I have been using this health insurance for the past years and renewing it regularly without any fail. Annually I pay Rs. 12000. This insurance covers me, my wife and my children. The total coverage is 10 lakhs. Till now I didn't have any claim experience with them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 04, 2017
    • Bajaj Allianz Health Insurance
      "Good Health protection for family"
      0.5 4.5/5 "Excellent!"
      Last month I bought Health insurance with Bajaj Allianz, I am an ex employee of Bajaj, hence I know their the benefit of policy. I paid the premium of Rs.9430 its covers my entire family, me, spouse and child it has the medical cover of Rs. 30 lakhs, they have good network of hospitals. I could download the E card for the cash less treatment.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 28, 2017
    • Bajaj Allianz Health Insurance
      "Good policy to hold"
      0.5 4.0/5 "Great!"
      I have a health insurance with BAJAJ ALLIANZ GENERAL INSURANCE. My company pays for the insurance for me alone and I pay a small amount around Rs. 275 to Rs. 300 approximately per month for my wife and children. The total sum assured per year is 3 lakhs. I have no claim experience so far.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Nov 21, 2017
    • Apollo Munich Health Insurance
      "Better policy to use"
      0.5 5.0/5 "Blown Away!"
      Using Health insurance policy with Apollo Munich for past 3years .I have paid Rs,14,000 to renew the policy last year. This policy covers 3members in the family, which is myself, my spouse and my child. Got the medical coverage up to Rs,5laksh with this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 20, 2017
    • Star Health Health Insurance
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      The policy covers me and for my one child. I pay premium of 15k year. I am using the service for last 8 months. The customer service is good. They are sending the statements regularly. I don't have any claim experience. The medical coverage is good. It was a satisfactory service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2017
    • Max Bupa Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My health insurance was taken with Max Bupa. It was taken 3 years back. It was a good service with Max Bupa. I make the payment of 13000 rupees per annum, its covers my wife and children. The customer service is good. The claim experience is very good. They provide cashless facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2017
    • Cigna TTK Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have taken the health insurance service with CIGNA TTK the payments where usually through online the customer service was good I have taken for four persons totally two adults and two child also they provide good offers it was a good experience with CIGNA TTK for my health insurance service.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 15, 2017
    • National Insurance Health Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I got health insurance policy with national insurance for past 3 years. The service is very good with national insurance. This policy covers 3 members which is myself ,my spouse and my child. This policy has the coverage up to 5lakhs. The cashless treatment option is good with this policy . I paid Rs, 4700 to renew the policy last year.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 31, 2017
    • Star Health Health Insurance
      "Below average service"
      0.5 3.0/5 "Satisfactory"
      I have the Star health insurance policy for more than 8years. This policy covers 4memebers which is myself my spouse and 2 children. This policy has the claim amount of Rs,4lakhs The customer service is average with Star health insurance. The Medical claim is available only for 40% with Star health insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 23, 2017
    • New India Health Insurance
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      I have health insurance with Nation India Assurance, I make the premium around Rs.7000 on yearly, but depend upon the age premium may be vary. It has the different tenure, they gave me the medical coverage of Rs. 5 lakhs, it gives protection for me, spouse, children. Almost they tie up with all hospital.
      Was this review helpful? 0
      , indore
      Reviewed on Oct 17, 2017
    • United India Health Insurance
      "Good policy"
      0.5 4.5/5 "Excellent!"
      I got the MD India health insurance policy with United India fro past 6 years. The customer support is good with United India. I got the claim from this policy , I have received the claim within 45days of time. This policy covers whole around 4members. Myself , my spouse and my 2 children. I can able to claim up to 10lakhs.
      Was this review helpful? 0
      , greater noida
      Reviewed on Oct 15, 2017
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