Reasons Why Child Health Insurance Should Be on Top Priority

Health Insurance

Family planning is not a strategy but a measure of your responsibility and dedication towards your family. The health of the children is the priority of any family. Thus, people go for different child health insurance plans to safeguard the future of the young ones.

There are different reasons that parents invest in their children's health plans.

Need of Buying Child Health Insurance Plan

We all are aware that young kids have a weak immune system and are prone to different medical issues. The slower reflexes of the young kids further worsen the situation as they’re not able to showcase their issues at the beginning. Thus, it stresses the requirement to go for all kids health insurance.

Secondly, kids are exposed to different diseases and infections more than adults due to different reasons. The unhealthy eating habits with exaggerated physical activities start taking a toll on their health. Thus, it becomes more than important to gift your child a health insurance that doesn’t only keep them well but eliminates all possible challenges in getting the best treatment PAN India.

Benefits of Child Health Insurance Plan

The top advantages of buying health insurance for the child include :

  • Low premiums : Generally, the premiums on the health insurance for the child are relatively low.
  • Additional perks : All affordable health insurance for kids offer benefits like expert consultations, ambulance expenses etc.
  • No claim bonus : If no claims are made during the policy period, the no claim bonus offer concession on the health insurance premium. It further increases the insured sum amount for great coverage. However, not all the insurers provide no claim bonus.
  • Comprehensive coverage features : There are no limitations on the coverage features as the best health insurance for children offer comprehensive coverage.
  • Different types : Parents can choose from the different child health insurance plans like family floater plans, individual child health plans, etc. The family floater plan covers the entire family that includes the spouse and dependent children. The individual child health plan covers an individual child only. It covers other medical expenses as well.

Child Health Insurance Plan- Eligibility

So, are you or your kid eligible for the child health insurance plan? Let us have a look at the eligibility plan of the best health insurance for kids :

  • The floater family plan covers up to four dependent children only.
  • The entry age to the child health insurance plan depends on the type of the policy.
  • The policy term depends on the age of the child and individual requirements and the annual premium amount depends on age, term, PPT, and the cover.
  • It is mandatory to have the original birth certificate and other required documents according to the policy.
  • It is advised to go through the specific eligibility details of different child health insurance plans online before applying.

Child Health Insurance Plan- How to Apply?

It is easy and quick to apply online for any child health insurance policy. First, you can select from the options of the different insurance providers and compare their plans. Once you’ve made your choice, it is time to go to their official website and look for the policy details and necessary documents.

Fill in the required details and submit all necessary documents of your child along with your details. Once the details and documents are verified, you can fill the children's health plan premium and safeguard your child’s health. Thus, it is an effective way to apply online to protect your child from potential health issues in the forthcoming life.

Wrapping Up

You want the best when it comes to the security and well-being of your children. Thus, securing your family's future with the leading child health insurance plan is a responsible and wise decision.


*Tax benefits are as per the Income Tax Act, 1961, and are subject to any amendments made thereto from time to time
The article is meant to be general and informative in nature and should not be construed as solicitation material. Please read the related product brochures for exclusions, terms and conditions, warranties, etc. carefully before concluding a sale.
Make responsible financial decisions. Consult with your financial advisor before making any decisions on insurance purchase.

Suggested Plans

Bharti AXA Life Guaranteed Wealth Pro

  • A non-linked, non-participating individual savings life insurance plan
  • Flexibility to choose the payout structure
  • Multiple income options
  • Option to receive tax free income beginning from the second policy year itself
  • Option to get lifelong income along with life cover till 100 years of age

Bharti AXA Life Shining Stars

  • Non-linked, non-participating limited pay endowment Life Insurance plan
  • Designed to take care of the financial needs of your child.
  • Flexibility to opt between 2 Maturity Payout Options
  • Flexibility in Policy Term/Premium Payment Terms
  • A great short-term investment option for a child insurance policy.

Bharti AXA Life Child Advantage

  • A Non-Linked Participating Individual Life Insurance Savings Plan
  • Protect Your Child’s Future in Your Absence!