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It is mandatory for everyone to have a proper health insurance plan that takes care of all treatment and hospitalisation charges. More than adults, children need adequate health insurance in place, as they are more prone to fall sick often. By getting the best health insurance plan for your children, you can effectively bridge the medical bills and avoid a rundown on your savings. If you are looking for the best plans, you can definitely opt for Bajaj Allianz, Acko or Cigna health insurance, which are quite the best-selling in the Indian market.
Here is a brief guide on the benefits of the health insurance plan for children. Read to know more about it!
Benefits of health insurance plans for children
- It pays for the medical costs and other hospitalization charges of the insured child’s longer stay of more than 24 hours in the hospital.
- It covers expenses such as ICU fees, medication costs, diagnostic fees, lodging and board costs, nursing fees, ambulance charges etc.
- The best health insurance for children also covers the expense of the insured kid for outpatient consultations, dental care, or diagnostic services.
- It pays for any healthcare services or medical consultations that the insured kid uses after being released from the hospital. After hospitalization, it is typically covered for 60 to 180 days.
- It offers coverage for the costs spent when an insured kid has to be transported by ambulance to the closest hospital due to a medical emergency.
- Covers the medical costs related to a newborn child’s first year of immunizations. Along with the maternity benefit insurance chosen by the mother of the infant, this coverage is also offered.
- It offers coverage for the medical costs related to a newborn baby’s neonatal care. If the baby’s mother chooses it, this coverage is typically included in the maternity benefit.
- It covers the expense of providing daycare services for the covered child who needs a hospital stay of no more than 24 hours.
- All child health insurance plans include cashless hospitalization services if you have your child admitted to a hospital in the insurance company’s network for treatment. Cigna health insurance is a good option for your cashless services.
- There is a family discount available on the rate if you decide to cover your child under your health insurance policy on an individual basis.
By using Section 80D of the Income Tax Act, you can receive tax breaks on the health insurance premium you paid for your child’s policy.
It covers any medical costs the insured kid incurs prior to being admit to the hospital. It often lasts 30 to 90 days before being hospitalise.
Why do children need a health insurance plan?
Prone to injuries
Young children are especially vulnerable to injuries because they lack self-care skills, making them more prone to mishaps. Infants are vulnerable to injury when learning to run and walk. Kids frequently sustain injuries. You won’t have to worry about paying for your child’s medical care if you have health insurance for children since the insurance provider will handle it. If you are looking for the best health insurance plan, then you must keep this point in consideration.
Reduced Immunity
Kids’ immune systems are less developed than those of adults, making them more susceptible to infection or sickness. Your financial situation may be negatively impact by frequent hospital visits. However, if your child has the best health insurance coverage, the insurer will pay for the expenses of any unanticipated illness or infection that your child contracts. A proficient health plan like Cigna health insurance takes care of all your child’s medical requirements with ease. You can easily compare health insurance policies online to pick out the best one.
More Exposure to Risk
Children are typically more susceptible to illnesses, viruses, and infections since they play outside more frequently and are less aware of the need for safety measures. Children could consume something without washing their hands, for instance, and become ill. You may guarantee your children receive the greatest medical care possible without depleting your funds by purchasing child health insurance coverage. An insurance plan for children is the best health insurance you can have.
Poor personal habits
Over the past few decades, children’s lifestyles have got worse. In favour of watching TV and playing games on their phones, more kids are forgoing physical activity. As more children choose fast food over freshly prepared meals, eating habits have also declined. Children are now more susceptible to ailments brought on by a sedentary lifestyle. But if your child is protect by health insurance, it will cover the cost of treating a range of medical issues. Cigna health insurance is a good option for you in these cases.
Get the best health insurance for your child today!
