Children make a family complete. They are the bundles of joy every family member wish to cuddle. The feeling of spending time with children is inexplicable and parents many times keep on wondering why they love their children so much.
There is no second thought that children bring loads of happiness and warmth in a family. But just think what if they fall ill? Of course, parents strive very hard to provide the best possible health care to their children and they leave no stone unturned when it comes to well being of their children.
Financial worries have no place in such scenarios. And in order to avoid this, you have to plan well. Health care costs in India are touching roof and even if you are financially well-off, you need to have a good health insurance plan in place.
How to cope up?
Insurance industry in India has come off age in the past few years. The kind of plans which are available at your disposal are designed in a well-thought manner.
Take family floater plans, for instance. Under such plans, you can insure your entire family. All you have to do is to buy one single insurance policy. Definitely, these plans cover children as well.
What if you end up consuming your coverage limits? No worries. You can top-up your family floater plan by paying an additional premium and that will reactivate your insurance coverage limit.
It is very useful option, recently introduced in the country, and many people are increasingly going for it.
What is you already have a family floater plan and your children is not covered under it? Contact the health insurance company as soon as possible, and get the name added. It is quite simple and you do not have to worry about any bureaucratic procedures at all.
The advantage with family floater plans is that you can get your newborn baby also covered under the plan. The minimum entry age could be as low as 3 months, and 1 month, in some plans.
So, just compare these family floater plans online and get the best deal (and peace, of course) for yourself.
What are the other options?
There are several health insurance plans under which you can insure your child. Insurance companies are offering plans for which the entry age is as low as 5 years.
These plans do not have any exceptions. Their features are as same as the plans which are taken by adults. For instance, there is a general condition of hospitalisation of over 1 day. But even this exclusion can be ruled out by taking a rider of Out Patient Department (OPD). That means, you can also claim expenditure incurred towards regular treatment undertaken without hospitalisation.
There are plans which cover doctor's consultation fees and even expenses incurred towards pathological test fees. Similarly, you can also get coverage of pre-existing diseases, if any.
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