Being a parent is one of the best feelings in the world. But having a new member in your family also comes with a host of responsibilities. One of the most important of them being their health. From medical treatments, regular check-ups, to vaccinations, a lot needs to be done to make sure that the initial few months and years of your child are healthy and joyful.

Frequent trips to doctors can get very expensive. A smart way to protect yourself from the expenses is to purchase health insurance. But do child health insurance policies cover new-born? Let us have a look:

Health Insurance for New-born

Individual health plans in India generally do not cover new-born babies from day one. But you can get health coverage for your new-born through a family floater plan. These plans cover all your family members under a single insured sum.

Recently, IRDA (Insurance Regulatory and Development Authority) defined a new-born as “a baby born within the policy tenure and is 90 days old”. So, if you have a family floater plan, you can add your new-born baby to the plan once he/she is 90 days old. Your baby can then use the sum insured just like all the other members of your family.

Maternity Cover for New-born

If you are looking for child health insurance plans to make sure your baby’s health is covered once he/she is born, maternity cover can be helpful too. Most of the maternity plans do cover expenses of the new-born, their medically necessary treatments, vaccinations, and more.

Apart from the expenses of your baby, the maternity benefit also covers the health expenses of the mother throughout the pregnancy. Many of the health plans have maternity cover as a built-in benefit. However, many insurers offer the same as an add-on with additional premium.

Benefits of Getting Health Cover for New-born

Here are some of the top benefits of getting health cover for your new-born
  • Protect yourself against high medical care or surgical expenses

  • Complete peace of mind knowing that your baby is covered under a health plan

  • Low premiums but a higher sum insured

  • Enjoy the birth of your baby without worrying about your finances

Selecting Health Plan for New-born

If you are looking for the best child health insurance plan, a family floater policy with cover for the new-born after 90 days and maternity coverage are your two options. Check the benefits and cost of both to select one that offers the most value for your money and covers the health of your baby in the best way possible.

Learn more about different Health Insurance Plans here.


The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.

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