Health Insurance for a Down Syndrome Child in India

What is Down Syndrome?

Down Syndrome refers to a genetic disorder in which a baby is born with an extra copy of chromosome 21. It is caused due to abnormal cell division among unborn babies while they are still in their mother’s womb. The presence of this extra chromosome leads to physical abnormalities and delays in intellectual development in the baby.

Down Syndrome cannot be cured and thus, is a lifelong condition. Moreover, people with Down Syndrome have more chances of developing health issues like congenital heart defects, leukaemia, Alzheimer’s, sleep apnea, immune disorders, gastrointestinal defects, obesity, vision problems, etc.

Symptoms of Down Syndrome

Down Syndrome symptoms comprise of the following distinct physical features:

Flattened face
Short neck
Small head & ears
Poor muscle tone
Small hands & feet
Tiny white spots on the iris of the eyes
Short stature
Bulging/protruding tongue
Eyes that slant upward
Loose joints

Children suffering from Down Syndrome also suffer from a delay in learning and behavioural development, such as:

Poor judgement
Delay in speech & language development
Impulsive behaviour
Short attention span
Delayed toilet training
Sleep difficulties

Is Down Syndrome Covered by Health Insurance Plans in India?

Yes.

A couple of health insurance plans in India provide medical insurance for a Down Syndrome child in India. It covers the treatment cost of a baby born with Down Syndrome, provided the child survives for 30 days after diagnosis.

However, most health insurance plans in India do not provide coverage for Down Syndrome. This is because Down Syndrome is a type of external congenital disease and as per Insurance Regulatory & Development Authority of India (IRDAI) guidelines, external congenital diseases are a permanent exclusion.

Moreover, the cost of certain treatments and therapies required to treat the effects of Down Syndrome may also be covered under some health insurance plans. For example, if a Down Syndrome child is facing challenges in speaking, speech therapies can be provided. In such a case, the cost of speech therapies may be covered by a few health insurance plans in India.

Similarly, the treatment cost of leukaemia and Alzheimer’s resulting from Down Syndrome may be covered by some health plans in India. However, it is always better to check with your insurance company if they offer coverage for Down Syndrome or any treatment/therapies used to treat its symptoms.

In case your health insurance policy covers the treatment cost of Down Syndrome, make sure to check for any applicable waiting period before raising a claim. This is because Down Syndrome is present from birth and hence, can be considered as a pre-existing disease.

7 Facts About Down Syndrome that You Did Not Know

Take a look at seven facts about Down Syndrome that you must know:

1. 1 in every 830 children in India is born with Down Syndrome.

2. In India, Down Syndrome is fatal among children due to a lack of awareness.

3. The older is the age of the mother, the higher is the baby’s chances of suffering from Down Syndrome.

4. There is no certain way of preventing Down Syndrome.

5. People suffering from Down Syndrome are more prone to infections and diseases like Alzheimer’s.

6. Social awareness and early treatment can increase the life expectancy of a Down Syndrome child to 50-60 years and improve their quality of life.

7. Chances of developing Down Syndrome in a baby increase if the elder sibling already has it.

Summing It Up

Down Syndrome is a lifelong disease that can neither be prevented nor cured. However, the severity of the disorder varies from one child to another. The only thing that you can do is to provide the required treatment and therapy to the child as early as possible. Alternatively, you can also buy health plans to ensure medical insurance for a Down Syndrome child in India.

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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.

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*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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