Children Health Insurance
Children’s medical plan is designed to cover children’s healthcare costs, including hospital admissions, OPD consultations, surgeries, critical illness diagnosis, and more. They are tailored to ensure your child’s health care needs are covered with options like newborn vaccine coverage.
Since children fall sick more frequently than adults, it is due to developing immunity, seasonal infections and environmental exposure. At the same time, medical costs in India continue to rise, leading to higher out-of-pocket expenses for parents. Without dedicated coverage, even routine treatments or short hospital stays can quickly strain household finances. Thus, it is crucial to ensure that a reliable child health insurance policy covers your out-of-pocket expenses.
This is where children’s health insurance becomes crucial. It ensures timely access to quality healthcare without financial stress and allows parents to focus on recovery rather than costs. It also builds a strong foundation of health protection for your child from an early age. At IndusInd General Insurance (formerly Reliance General Insurance), you get a wide range of coverage options, high SI of up to ₹5 crores*, global coverage and more.
Why Choose Our Health Insurance?
Our health insurance plans offer coverage against the rising cost of medical treatments and cover a wide range of medical services, ensuring healthcare remains accessible to you in times of need.
AYUSH & Modern Surgery
Get 100% SI coverage for both*
Up to 40% Discount*
More coverage and more savings!
Unlimited SI Restoration*
Coverage that never runs out*
20+ Add-On Covers*
Customise our plans to your needs
What is a Children's Health Insurance Plan?
Child's health insurance is a type of health insurance plan that provides coverage for children's healthcare needs. It is a policy designed to cover all the medical expenses incurred for vaccination, hospitalisation, doctor visits and more. 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. We cover a wide array of medical expenses such as hospitalisations, vaccinations, surgeries, injuries, doctor visits, and more. By including your child in our family floater plans, you provide them with a financial safety net against any unforeseen or emergency medical costs.
Why Should You Buy Health Insurance for Children?
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:
Early Coverage Builds Lifelong Health Security
Getting insurance early can protect against routine and serious health events, especially as children’s lungs and immune systems develop and are more affected by pollution and infections that require costly care.
Children Are Highly Vulnerable to Illnesses
Children under 10 accounted for 43% of all pollution-related health insurance claims in India, especially for respiratory and related conditions, showing how frequently young kids need medical care.
Rising Hospitalisation Costs Hit Families Hard
With pollution-linked ailments and other illnesses on the rise, average claims for child hospitalisation due to pollution-related causes are around ₹55,000, highlighting the financial burden of even short hospital stays.
Chronic Conditions Are Increasing Among Children
Large-scale health screenings in Karnataka found about 7.2 lakh children aged 6 weeks to 18 years diagnosed with hypertension, indicating growing chronic health concerns in kids that require ongoing care.
Frequent Visits Mean Higher Out-Of-Pocket Costs
Respiratory infections and other paediatric conditions like bronchitis or pneumonia are increasingly common in cities due to seasonal outbreaks and pollution, leading to more frequent doctor visits and treatments.
Health Coverage in India Remains Limited for Children
As of recent reports, only about 36% of children in India have health insurance coverage, leaving the majority at financial risk if unexpected medical needs arise. This also indicates that in case of an emergency, you will have to bear the expenses out of your pocket.
How Does Children's Health Insurance Work?
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.
IndusInd Health Insurance for Children - Key Benefits & Features
Here are some child-focused features across IndusInd health insurance plans that make them suitable for your child’s growing medical needs. From frequent doctor visits and hospitalisation to advanced treatments, our plans are designed to support children through every stage of growth. Coverage, limits and features may vary by plan, so always review the policy details before purchase.
Key Features |
Details |
|---|---|
Premiums |
Starts at ₹382 per month* |
Sum Insured |
Up to ₹5 Crores for hospitalisation and treatments |
Coverage for Children |
From 91 days onwards, as part of individual or family plans |
Day Care Procedures |
Covers treatments that don’t need 24-hour hospitalisation |
OPD Cover (Add-on) |
Doctor consultations, diagnostics and medicines for common childhood illnesses |
Pre- & Post-Hospitalisation |
Expenses covered up to 90 days before and 180 days after hospitalisation* |
Sum Insured Restoration |
Unlimited restoration for repeated claims in a policy year |
Ambulance Cover |
Up to ₹3,500 per hospitalisation |
Domiciliary Hospitalisation |
Home treatment covered when hospitalisation isn’t possible |
Modern Treatments |
Coverage for advanced procedures as per policy terms |
Network Hospitals |
Access to 10,000+ network hospitals across India* |
Cashless Claims |
Available at network hospitals and via Cashless Everywhere |
Quick & Digital Claims |
100% digital claims with fast processing* |
Renewability |
Lifelong renewability with no exit age |
Add-Ons & Riders |
20+ add-ons to customise your child’s coverage |
Benefits of Buying IndusInd Children Health Insurance
Here are some of the key benefits of purchasing children's health insurance from IndusInd General Insurance:
Wide and Flexible Coverage for Growing Needs
Children’s health insurance from IndusInd General offers extensive coverage that includes hospitalisation, day care procedures, ambulance charges, and specialist treatments, protecting your child across a wide range of medical situations.
Customisable Plans to Fit Your Child’s Health Needs
Plans like Health Infinity and Health Gain allow you to add relevant covers such as OPD (doctor visits and diagnostics), consumables and equipment. So you only pay for what your child is likely to need.
Protection for Modern and Home Care Treatments
With coverage for advanced treatments and specified homecare options, your child gets access to quality care beyond basic hospital stays. This includes relevant procedures that no longer require long admissions.
Extended Support Through Add-Ons
Optional benefits such as unlimited sum insured restoration, maternity/newborn cover (where applicable), and enhanced room benefits help you prepare for both everyday care and unexpected emergencies as your family grows.
Financial Safety Net Even for Major Illnesses
Features like restoration of sum insured after claims and access to higher coverage through add-ons mean your child’s treatment won’t be cut short just because one claim used up the base cover.
Digital Convenience and 24/7 Support
Buying, renewing and claiming can all be done online via the IndusInd Insurance app or website, making it easier for busy parents to manage their child’s health cover anytime, without paperwork delays.
Children’s Medical Plans at IndusInd General Insurance
IndusInd General Insurance offers flexible health insurance plans that can be tailored to meet a child’s medical needs, from everyday hospitalisation to long-term and high-value treatments. These plans allow parents to build comprehensive coverage for their child through built-in benefits and optional add-ons.
IndusInd Health Infinity Insurance
Health Infinity is designed for parents who want maximum medical coverage for their child without worrying about limits. It offers high sum insured options up to ₹5 Crores and advanced treatment coverage, making it suitable for serious illnesses or long-term care needs.
For children, this plan covers hospitalisation, day care procedures, modern treatments, and recovery expenses, helping parents manage rising treatment costs without financial stress.
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IndusInd Health Gain Insurance
Health Gain offers comprehensive and balanced coverage for a child’s everyday and emergency healthcare needs. You get a sum insured of up to ₹1 Crore, and it is suitable for managing common childhood illnesses, accidents, infections and planned treatments.
Parents can enhance this plan with add-ons to include OPD expenses, day care treatments, and other child-specific healthcare needs, making it a practical choice for growing families.
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IndusInd Health Super Top-Up
The Super Top-Up plan works as an additional safety net over an existing health insurance policy. Once your base policy limit is exhausted, this plan steps in to cover higher medical expenses.
With a sum insured of up to ₹1.3 Crore, this is especially useful during long hospital visits or costly treatments, ensuring
parents don’t face out-of-pocket expenses during critical times.
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IndusInd Health Global Insurance
Health Global provides international health coverage for children who travel abroad or require planned treatment outside India. It covers medical expenses incurred overseas, offering access to quality healthcare beyond borders.
This plan is ideal for families relocating temporarily, travelling frequently or seeking specialised treatment for their child internationally.
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Children's Health Insurance Coverage: Inclusions and Exclusions
When you consider IndusInd General Insurance's health insurance coverage for children, you must understand the various inclusions and exclusions.
What is covered?
Day 1 Coverage: Provides immediate coverage from the policy start date for medical emergencies and accident-related hospitalisation.
In-Patient Hospitalisation: Covers hospital expenses such as room rent, ICU charges, doctor’s fees, surgeries, diagnostic tests, and prescribed medicines during admission.
Pre- & Post-Hospitalisation Expenses: Pays for medical costs incurred before admission and after discharge, as per policy limits.
AYUSH Treatments: Covers approved Ayurveda, Yoga, Unani, Siddha, and Homoeopathy treatments, as per policy terms.
Diagnostic Tests: Covers the cost of medical tests required to diagnose or monitor an illness or injury.
Emergency Ambulance Cover: Covers ambulance charges incurred during a medical emergency or hospital transfer
Day Care Procedures: Covers treatments that require hospital facilities but do not need an overnight stay.
Domiciliary Hospitalisation: Covers treatment taken at home when hospitalisation is not possible or medically advised.
Organ Donor Expenses: Covers medical expenses related to the organ donor during a transplant.
What is covered?
Non-Medical Expenses: Charges such as toiletries, food, attendant expenses, or administrative fees are not covered.
Waiting Period Exclusions: Claims made during the applicable waiting periods are not covered, except for accident-related emergencies.
Pre-Existing Conditions: Medical conditions diagnosed before policy purchase are covered only after the specified waiting period.
Cosmetic and Weight Management Treatments: Procedures done only to improve appearance and related to weight reduction or bariatric procedures are only covered when medically necessary.
Unproven or Experimental Treatments: Treatments not approved by regulatory authorities are excluded from coverage.
Self-Inflicted Injuries and Substance Abuse: Expenses arising from intentional self-harm or suicide attempts are not covered. Treatment required due to alcohol, drug, or substance abuse is also excluded.
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here.
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Factors to Consider Before Choosing Minor Medical Insurance
Choosing the best child insurance plan can be stressful for parents. Consider the following factors before deciding on how to buy health insurance for children:
When to Buy Health Insurance for Your Child?
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.
Medical Insurance for Minors: Eligibility Criteria
Our plans, like Health Infinity and Health Gain, offer comprehensive coverage for not just your children but your entire family. These plans offer wide coverage, including modern treatments and day 1 accidental coverage. To buy our plans easily using the IndusInd Insurance app, check and fulfil these eligibility requirements:
Criteria
Age Limit
Children aged 91 days up to 25 years (this is policy-specific)
Medical History
Medical history may be required (on a case-by-case basis)
Pre-existing conditions waiting period: 2-3 years
The waiting period can be reduced if opted for an add-on.
Policy Type
Family Floater
Pre-Policy Medical Check-up
Is required for parents purchasing the policy based on age (above 46 years) or SI.
Parents’ existing policy status
Some plans may allow you to include a child only at the time of purchasing a policy, without requiring you (the parent) to have an existing plan
Additional criteria
May need the parents to be within a specific age range and proof of relationship.
Why Buy Health Insurance for Children Online?
Convenience and Ease
Buying a child health insurance plan online is very convenient. You can purchase the plan from the comfort of your home.IndusInd 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.
Compare Plans
On online platforms, you can easily compare health insurance policies for children, evaluate them and make an informed buying decision.
Instant Issuance of Policy
When you buy health insurance for your child online, the policy gets issued instantly as soon as the transaction is complete.
Safe & Secure Transactions
IndusInd General Insurance ensures your online transaction details and personal details are safe.
Streamlined Process
The online process is straightforward and streamlined. Just follow the instructions. There is minimal paperwork involved, and it is hassle-free.
Online Discounts* & Additional Benefits
You may get discounts* on premiums up to 40% on online insurance and other additional benefits, making it cost-effective.
How to Calculate Premium for Medical Insurance for Minors
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. All you need to do is follow these simple steps to get an estimate:
How to Buy and Renew Children’s Health Insurance?
At IndusInd 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 IndusInd app.
Buy Online
Scroll Top: Scroll to the top of this page to buy a children’s health insurance plan.
Select SI: Select the preferred sum insured, policy tenure and enter the required details.
Accept T&C: Tick the checkbox to accept the terms and conditions.
Review Choices: Click on “Check Our Prices” to view the premium quote.
Pay & Receive: Complete the payment and receive the policy document instantly.
Renew Online
Go to the Form: Go to the form at the top of this page and select “Renewal”.
Enter Details: Enter your policy number or registered mobile number.
Verify with OTP: Click on “Send OTP” to verify your details.
Review Plan: Review your existing policy and make changes if required to the filled and signed Claim form
Check and Pay: View the updated premium and pay online to renew instantly.filled and signed Claim form
Comparing Children's Health Insurance Plans Online
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. 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.
| Features | IGI - Child Insurance |
Other Competitors |
|---|---|---|
Coverage options |
Offers comprehensive coverage, hospitalisation cover, daycare procedures, vaccination cover, critical illness cover |
Coverage may vary, |
Premium |
Affordable premiums starting at Rs 382 per month* and flexible payment options |
Affordable premiums starting at Rs 382 per month* and flexible payment options |
Network of healthcare providers |
10,000+ Cashless hospitals & 'Cashless Everywhere' feature |
Around 5000 to 7000 network hospitals |
Benefits |
Premium Waiver for critical illness, preventive healthcare - doctor visits and routine lab tests cover |
Basic benefits and limited perks |
Ease of online enrolment |
Easy-to-use interface, quick policy purchase and renewal, hassle-free claims filing, |
Complex enrolment process, delayed policy issuance |
How Many Children Can Be Covered Under One Health Insurance Plan?
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
Factors to Consider Before Choosing Minor Medical Insurance
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:
Tax Advantages of a Child Health Insurance Plan
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 (Below 60 years): ₹25,000* deduction on premiums. - Parents (Below 60 years): ₹25,000* additional deduction.
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.
Children's Health Insurance Statistics in India
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.
How Much Children's Health Insurance Coverage Should You Have?
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.
How to Calculate Children's Health Insurance Premium?
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.Based on these details, the premium for health insurance for kids is calculated.
Medical Insurance claims Processing Steps For Cash Reimbursement Claim
At IndusInd General, we stand out for our quick and promising claims settlement process, with over ₹6,921 crores* paid in claims.
Cashless
Register Your Claim: Inform our health insurance claims team soon after your child has been advised for hospitalisation by calling (+91) 22-4890-3009, via e-mail or IndusInd Insurance 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.IndusInd 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.
Reimbursement
Register Your Claim: Inform our health insurance claims team soon after you are prescribed hospitalisation by calling (+91) 22-4890-3009, via email or IndusInd Insurance application.You will need to submit a few documents for claims approval.
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.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.
Common Mistakes to Avoid While Buying Health Insurance for Kids
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:
Ignoring Coverage Details
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.
Ignoring Exclusions
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.
Opting for Insufficient Coverage
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.
Ignoring Network Hospitals
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.
Ignoring the Fine Print
Please read and review the entire policy documents, including all the conditions, waiting period, claim process and terms of renewal.
Not Considering Affordability
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.
Neglecting Cumulative Bonus
You must choose health insurance for kids with a cumulative bonus. This will help increase your insured amount in claim-free years.
No Preventive Care Benefits
Your child's health insurance policy must include preventive care benefits.
Tips for Managing Your Children's Health Insurance Policy
Here are some practical tips for effectively managing the health insurance policy for children:
Understand the Coverage
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.
Keep Information Updated
Please update your personal information and contact details on your policy. If you have any changes, please notify your insurer immediately.
Utilise Benefits
Take advantage of the wellness programmes, health check-ups, lab tests, and other services included in your children's medical plan.
Monitor Policy Changes
Stay current on the health insurance for kids policy terms and conditions. Also, keep track of all communication from your insurer.
Maintain All Documents
All medical bills, prescriptions, claim forms, etc., for your child's medical plan should be handy.
Renew on Time
Timely renewal of policy ensures your child gets access to the best healthcare options available.
Get Professional Advice
Consult insurance advisors to understand your policy details. Make an informed decision regarding the health insurance policy for children.
Read More About Insurance
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.
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