Want to get your new born covered under health insurance?

In the present age, normal births are increasingly becoming rare and most of the new born we know are getting admitted to the hospital for some complication or the other. And I am sure most of you would be aware that neo natal and pediatric treatments are sky rocketing.

When you are covered under a corporate mediclaim policy cost of the new born baby gets covered under it. However, if you don’t have such a cover what can you do to ensure day one cover for your baby? Don’t worry, there are few policies why you can take to ensure day one coverage for your baby.

Max Bupa Heartbeat:  Under the Heartbeat policy offered by Max Bupa, new born baby can be covered as a separate insured person till the expiry of the policy period in which the baby is born without additional payment of premium. For this benefit to be availed, the maternity claim has to be payable.  New born baby cover is offered only in conjunction with maternity claims. Maternity claims are payable under this policy when the policy has been in continuous force for 24months.  Certain first year vaccinations are payable to the baby till the baby reaches 1 year. In case the policy expires before the baby becomes 1 year old, then the cost of the vaccinations will be paid till the baby completes 1year provided the policy has been renewed and the baby is covered under the renewed policy by payment of additional premium.

Apollo Munich Easy Health: The individual mediclaim of Apollo Munich also has the facility of new born baby cover.  Medical Expenses for any medically necessary treatment described while the Insured Person (the Newborn baby) is hospitalised during the Policy Period as an inpatient provided a proposal form is submitted for the insurance of the newborn baby within 90 days after the birth, the premium is paid. Under this benefit, coverage for newborn baby will incept from the date, the premium has been received. The coverage is subject to the policy exclusions, terms and conditions. This Benefit is applicable if only Maternity benefit is opted and a maternity claim is payable under this Policy. Depending upon the sum insured you have selected the maternity waiting period may vary between 4yrs to 6 yrs.

Star Comprehensive Health Policy: Automatic coverage for the New Born would be given including for internal and external congenital problems up to the expiry of the current policy. On renewal this new born baby should be covered specifically by paying additional premium. Star also offers the cost of vaccinations under this policy. New born baby cover would be offered only after 3 years of continuous policy. The minimum sum insured offered under this policy is Rs 5lakhs.

Whatever decision you make, make it on the waiting period, the terms and conditions of coverage rather than on the premium. When it comes to protecting your family, there is no cost that is too much.