Health Insurance for a New Born Baby

The birth of a child brings immense joy as well as a big responsibility. Given the widespread of various diseases, including COVID-19, shielding your newborn baby against all odds should be your top priority. One way to do that is to cover your baby under family health insurance or maternity insurance with a newborn baby cover.

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      Health Insurance Plans with New Born Baby Cover

      Check out the table below with maternity health insurance plans that provide Newborn baby cover:

      Health Insurance Plan Sum Insured Coverage for New Born
      Aditya Birla Activ Health Platinum- Enhanced Plan Rs 2 lakh- Rs 2 crore Included View Plan
      Bajaj Allianz Health Guard Gold Family Floater Health Insurance Policy Rs 3 lakh- Rs 50 lakh Up to 90 days View Plan
      Care Health Joy Health Insurance Plan Rs 3 lakh- Rs 5 lakh Day 1- 90 days View Plan
      Cholamandalam Privilege Healthline Insurance Plan Rs 5 lakh- Rs25 lakh Included View Plan
      Digit Health Insurance with Maternity Cover Rs 2 lakh- Rs 25 lakh Day 1- 90 days View Plan
      Future Generali Comprehensive Health Insurance (Superior & Premier) Superior: Rs 15 lakh, 20 lakh, & 25 lakh
      Premier: Rs 50 lakh - Rs 1 crore
      Included View Plan
      HDFC ERGO Easy Health Family Plan Rs 2 lakh- Rs 50 lakh Included View Plan
      ICICI Lombard Elevate Plan Rs 5 lakh- Unlimited Included View Plan
      IFFCO Tokio Essential Health Protector Rs 5 lakh- Rs 30 lakh Included View Plan
      Liberty HealthPrime Connect Plan Up to Rs 1 crore Included View Plan
      Magma HDI OneHealth Insurance Plan Rs 2 lakh- Rs 3 crore Up to 90 days View Plan
      Manipal Cigna ProHealth Preferred Plan Rs 15 lakh- Rs 50 lakh Included View Plan
      National Parivar Mediclaim Policy Rs 1 lakh- Rs 10 lakh Included View Plan
      New India Assurance Mediclaim Policy Up to Rs 15 lakh Included View Plan
      Niva Bupa Heartbeat Family Floater Plan 5 lakh-1 crore From Day 1 View Plan
      Oriental Happy Family Floater Diamond Plan Rs 12 lakh- Rs 20 lakh Included View Plan
      Reliance Health Infinity Insurance Policy Rs 5 lakh- Rs 5 crore Included View Plan
      Royal Sundaram Lifeline Elite Plan Rs 25 lakh- Rs 1.5 crore From Day 1 View Plan
      SBI Super Health Insurance Plan Rs 3 lakh- Rs 2 crore Included View Plan
      Star Comprehensive Insurance Policy Rs 5 lakh- Rs 1 crore Up to 1 Year View Plan
      Tata AIG Medicare Premier Plan Rs 5 lakh- Rs 50 lakh Included View Plan
      United India Family Medicare Policy Rs 3 lakh- Rs 25 lakh Up to 90 days View Plan
      Universal Sompo Complete Healthcare Insurance Rs 1 lakh- Rs 10 lakh Up to 91 days View Plan
      Zuno Health Insurance Gold and Platinum Plan Up to Rs 1 crore From Day 1 View Plan
      Zurich Kotak Premier Health Insurance Plan - From Day 1 View Plan
      See More Plans

      *Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

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      PS - The starting price is indicative and may vary basis additional details.

      Health Insurance for a New Born Baby

      The insurance policies that cover the child from their day of birth are rare. Once the baby completes 90 days, they become eligible for health insurance. Adding the child to the health policy of their family is also an available option like a family floater health insurance policy. Check the following when buying health insurance with maternity and child cover.

      Age: Children can be insured in their parent’s policy that covers early vaccinations and post-natal care. After completion of 90 days, the baby is eligible for insurance. However, some health insurance plans provide new-born baby cover from Day 1.

      Options: The insurance company must be made aware of the child’s birth, within the stipulated time. The plan advised offers insurance cover to the baby after 90 days or from Day 1, and more options can be added while renewing the policy.

      Required Documentation: While renewing the policy, a set of documents like a birth certificate and hospital discharge card may be required.

      Premium: Check the policy premium. After the submission of the required documents, the premium will be calculated. You can pay the premium and avail the policy benefits.

      If you are planning to buy maternity insurance cover, with new-born baby cover or a comprehensive health plan with new-born baby cover then you can speak to our health insurance experts at 1800-208-8787 or write to us at care@policybazaar.com

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      Important Points to Remember

        • Floater policy can only cover the child until they reach 21 years
        • For issuing cashless card, a photo must be submitted to TPA
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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