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Children Health Insurance

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

AYUSH & Modern Surgery

Get 100% SI coverage for both*

discount

Up to 40% Discount*

More coverage and more savings!

unlimited SI

Unlimited SI Restoration*

Coverage that never runs out*

20+ Add on covers

20+ Add-On Covers* 

Customise our plans to your needs

What is a Children's Health Insurance Plan?

children health 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.

childrens health plan

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

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

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 super top up

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

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:

Ensure the plan covers hospitalisation, doctor visits, emergencies, paediatric care, and therapies your child may need as they grow, such as physiotherapy or speech therapy. With our wide range of coverage options of up to ₹5 crores and 20+ add-ons, you can customise the coverage according to your needs.
Pick a premium that fits your monthly budget without cutting down on essential coverage. The cheapest plan may not always offer adequate protection when your child needs care the most. Our plans start at just ₹382 per month*, making good health insurance coverage affordable.
Some plans include preventive check-ups, vaccinations, wellness support or dental and vision care. For example, our Health Global and Super Top-Up insurance plans offer preventive check-ups and other such benefits. These wellness benefits can be helpful for growing children and reduce your financial burden on such expenses even more.
A wide hospital network, especially with paediatric facilities and emergency care, ensures you don’t struggle to find treatment during sudden illnesses or accidents. With our wide network of 10,000+* quality care hospitals, you can ensure timely care and quick processes.
During a child’s hospitalisation, paperwork and delays add unnecessary stress. Look for plans with a simple, fast, and transparent claims process backed by reliable customer support. With our IndusInd Insurance app, the claims process has been further simplified for a seamless experience.
Check waiting periods for specific illnesses, as they may vary from one plan to another. For example, the waiting period for pre-existing conditions is 2-3 years. So, buying insurance early helps your child complete waiting periods sooner and access benefits when needed.
Select a child health insurance plan that offers a cumulative bonus that increases the sum insured for claim-free years. See if the plan also has options to move on to higher coverage to cover your child's growing needs. In addition, features like More Cover and More Time under our Health Infinity plan help you get more coverage for a longer time.
A lifetime renewal option is ideal. Our plans offer lifelong renewability and an easy renewal process, so you can enjoy continuous coverage without any interruption in the financial protection.

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:

1
Step
step 1

Go to Calculator: Use the calculator to get an estimated premium payable for your choices.

2
Step
step 2

Enter Details: Enter details, such as the number of adults and children, pin code, etc

3
Step
step 3

Select SI: Select the sum insured required and add the D.O.B of the eldest member.

4
Step
step 4

Get Price: Click 'Get Price', and you’ll get an instant estimate of the premium price.

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

1

Scroll Top: Scroll to the top of this page to buy a children’s health insurance plan.

2

Select SI: Select the preferred sum insured, policy tenure and enter the required details.

3

Accept T&C: Tick the checkbox to accept the terms and conditions.

4

Review Choices: Click on “Check Our Prices” to view the premium quote.

5

Pay & Receive: Complete the payment and receive the policy document instantly.

Renew Online

1

Go to the Form: Go to the form at the top of this page and select “Renewal”.

2

Enter Details: Enter your policy number or registered mobile number.

3

Verify with OTP: Click on “Send OTP” to verify your details.

4

Review Plan: Review your existing policy and make changes if required to the filled and signed Claim form

5

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,
basic hospitalisation,
limited additional coverage

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,
instant policy issuance

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:

extent of coverage

The Extent of Coverage

A child health insurance plan should cover hospitalisation, outpatient doctor visits, emergency room visits, paediatric care, and alternative treatments like physiotherapy and speech therapy.

premium amount

Premium Amount

When you select a health insurance plan for children, choose a premium that fits your budget without compromising on the coverage. You can use online health insurance premium calculators to calculate the premium and buy as per your budget.

network hospitals

Network Hospitals​

Your child health insurance plan should have a vast network of renowned hospitals, including paediatric facilities and 24x7 emergency care. Preferably, go for policies that offer the 'Cashless Everywhere' feature.

claim process

Claim Process

This is the most important factor in health insurance for children. The claim process should be simple, quick and hassle-free. A dedicated helpline, 24x7 support and a user-friendly interface are a must to ease your stress during emergencies.

waiting period

Waiting Period

Health insurance for your child should have a reasonable waiting period for specific illnesses. This is the reason why you should insure your child early in life so they can reap the benefits faster.

coverage for conditions

Coverage for Pre-existing Conditions

Child health insurance plans should also offer coverage for pre-existing conditions like diabetes and critical illnesses, as well as early coverage for chronic diseases and conditions.

additional benefits

Additional Benefits

Your plan should offer options for wellness programmes, coverage for regular health check-ups, vaccines, and dental and eye care as needed for growing children.

cumalative bonus

Cumulative Bonus

Select a child health insurance plan that offers a cumulative bonus that increases or boosts the sum insured for claim-free years. It should also offer options to move on to higher coverage to cover your child's growing needs.

policy renewal

Policy Renewal

A lifetime renewal option is ideal. The renewal process should be simple and guarantee continuous coverage.

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

childrens health

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 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.

1
Step
step 1

Visit ​official website of IndusInd General Insurance and navigate to the Health Insurance page

2
Step
step 2

Enter your details such as age, phone number, etc

3
Step
step 3

Enter other requested information, such as the individuals you want to insure, coverage you need, add-ons you wish to include, etc., and click 'Get Price.'

Homepage Curated Plans Client Extension

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

1

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.

2

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.

3

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

1

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.

2

Undergo Treatment: After your claim is registered, you can get treatment at any hospital of your choice.

3

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.

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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.

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

One Place for All Your Insurance Needs

Smart Protection. Complete Peace of Mind.

Discover insurance solutions that help safeguard your health, assets, travel, and more. Compare plans, buy online in minutes, and stay protected with trusted assistance whenever required.
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Stories shared by our happy customers!

Total Average Rating

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4.8 (508)
Ritik

Ritik

Noida

star

5

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.
Srivathsav  Parthasarathi

Srivathsav Parthasarathi

West Midnapore

star

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.
Sateesh Kumarkuchipudi

Sateesh Kumarkuchipudi

West Godavari

star

5

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.
Vanga  Naveen

Vanga Naveen

West Godavari

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.
Sirraatchuta Ram Babua

Sirraatchuta Ram Babua

West Godavari

star

5

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.
Manoj Kumarmogha

Manoj Kumarmogha

New Delhi

star

5

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.
Vasantha

Vasantha

Wayanad

star

4

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.
Jasmin  K

Jasmin K

Wayanad

star

4

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.
Nazeer Salma Abdulla

Nazeer Salma Abdulla

Wayanad

star

5

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.
Sripal Reddymadhi Reddy

Sripal Reddymadhi Reddy

Warangal

star

5

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.
Veeraiah Kamatam

Veeraiah Kamatam

Wanaparthy

star

5

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.
Sivaganesh  Madamsetti

Sivaganesh Madamsetti

Visakhapatnam

star

5

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.
Sudha Ranimadabattula

Sudha Ranimadabattula

Visakhapatnam

star

5

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.
Yerususatya Prasad

Yerususatya Prasad

Visakhapatnam

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.
Karu Rama Rao

Karu Rama Rao

Visakhapatnam

star

5

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.
Ravi Teja Anem

Ravi Teja Anem

Visakhapatnam

star

5

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.
Bhimabattula Aruna Devi

Bhimabattula Aruna Devi

Visakhapatnam

star

5

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.
Kantimahanti Balakrishna

Kantimahanti Balakrishna

Visakhapatnam

star

5

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.
Prasad Rao Rayavarapu

Prasad Rao Rayavarapu

Visakhapatnam

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.
Ramachandran

Ramachandran

Villupuram

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.
Sanjit Kumar Tiwari

Sanjit Kumar Tiwari

Vaishali

star

4

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.
Vishanth  K

Vishanth K

Uttara Kannada

star

5

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.
Akk Amma Anand Kumarsiddanavar

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

star

5

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.
N Amitha Ramesh

N Amitha Ramesh

Tumakuru

star

5

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.
Ramakrishna Prasadvadala Setty

Ramakrishna Prasadvadala Setty

Trimulgherry

star

5

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.
Prasanna Lakshmi Kuruganti

Prasanna Lakshmi Kuruganti

Trimulgherry

star

5

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.
Indumathi  Indumathi

Indumathi Indumathi

Tiruvannamalai

star

5

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.
Pandurangdah  M

Pandurangdah M

Tiruvallur

star

5

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs
C Jaikanth

C Jaikanth

Tiruvallur

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.
Ramesh L

Ramesh L

Tiruvallur

star

5

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.
Nirmala Chell Appa

Nirmala Chell Appa

Tirunelveli

star

5

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.
Ganesan  Aarathi

Ganesan Aarathi

Tiruchirappalli

star

5

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.
Saji  Chandran

Saji Chandran

Thrissur

star

5

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.
Grace Mathew

Grace Mathew

Thrissur

star

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.
Anoop T M

Anoop T M

Thrissur

star

5

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.
Kencysam Sr Kency Samsr

Kencysam Sr Kency Samsr

Thiruvananthapuram

star

5

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.
Wafa Mol R N

Wafa Mol R N

Thiruvananthapuram

star

5

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.
Vinoth  R

Vinoth R

Thanjavur

star

5

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.
Sampada Vijay Jagdale

Sampada Vijay Jagdale

Thane

star

5

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.
Geetanjali Ganpat Namaye

Geetanjali Ganpat Namaye

Thane

star

5

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.
Bibinagar Sureshchary

Bibinagar Sureshchary

Telangana

star

5

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.
Pawan Kumar

Pawan Kumar

Tarn Taran

star

5

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.
Modugusatish Reddy

Modugusatish Reddy

Suryapet

star

5

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.
Kanakai Ahgudipati

Kanakai Ahgudipati

Suryapet

star

5

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.
Hiralsagar Bhaisardhara

Hiralsagar Bhaisardhara

Surat

star

5

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.
Amit Bhaidurlabh Bhai Rajpara

Amit Bhaidurlabh Bhai Rajpara

Surat

star

5

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.
Ankur Kotnala

Ankur Kotnala

Surat

star

5

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.
Anil Kumar Ram Sringarsaroj

Anil Kumar Ram Sringarsaroj

Sultanpur

star

5

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.
Marxia Tamil Selvan

Marxia Tamil Selvan

Sivaganga

star

5

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.
Prasad  Nangunoori

Prasad Nangunoori

Siddipet

star

5

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

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Health Insurance - Disclaimer

Disclaimer: Health insurance coverage is subject to policy terms, conditions, exclusions, waiting periods, sub-limits, co-payments, deductibles and underwriting guidelines. Benefits, add-ons, discounts and eligibility criteria vary by product, plan, sum insured, age and family composition. Certain products provide fixed benefit payouts and are not indemnity-based reimbursement policies.

Applicable UINs:
Health Infinity – RELHLIP23120V042223 | Health Gain UIN: INIHLIP26040V042526 | Health Super Top-Up – RELHLIP21617V012021 | Health Global – IRDAN103RP0001V01202324 | Personal Accident 360Shield – RELPAIP25035V022425 | Hospi Care – RELHLIP20027V012021

For detailed disclosures, premium illustrations and coverage limitations, please refer to the Health Insurance Disclaimer page.

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Frequently Asked Questions (FAQs)

What is the minimum age for child insurance?

Most health insurance plans in India allow children to be covered from 91 days of age. Newborns are usually added under a family floater plan after birth, while some plans offer standalone child coverage once the child meets the minimum entry age.

Can you buy health insurance for a 5-year-old kid?

You can buy health insurance for a 5-year-old kid. As a parent, you can include them in your family floater plan. Ensure the plan offers coverage for your child, such as hospitalisation, vaccinations and OPD treatments.

How long can children stay on their parents’ health insurance?

Children up to the age of 25 can stay on their parents’ health insurance policy.

What is the best way to invest money for your child?

The best way to invest for your child is to combine health insurance for medical protection with long-term investment options such as child investment plans, mutual funds or fixed deposits. Health insurance protects savings from medical expenses, while investments help build funds for education and future goals.

Which health insurance is best for children?

The best health insurance for children is a plan that covers hospitalisation, daycare treatments, vaccinations, emergency care, and common childhood illnesses, with cashless access to a wide hospital network. Plans that allow add-ons for OPD care, wellness benefits, and higher sum insured are ideal as medical needs increase with age.

What types of insurance cover kids?

Children can be covered under family floater health insurance, individual child health insurance plans, super top-up health insurance, and critical illness insurance. Some parents also choose international health insurance if the child travels or studies abroad.

Can a child have two health insurance policies?

This is possible when both parents have separate health insurance plans and have included their children in their respective plans. One policy will act as the primary coverage plan and cover the majority of the expenses, while the secondary plan will bear additional costs.

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