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By clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.Health Insurance for Kids
Health insurance for kids is essential for securing their health and well-being. It covers a wide range of healthcare services, from routine check-ups and vaccinations to treatment for illnesses and emergencies. With the right coverage, you can ensure your child receives prompt medical attention, fostering healthy growth and development while protecting them from unexpected health risks.
Network of 10,000+ cashless Hospitalisation
30 Mins Cashless Claim Policy
1.5 Crore+ Happy customers
Why Choose Niva Bupa?
Trusted by over 1.5 crore+ happy customers, Niva Bupa (formerly known as Max Bupa Health Insurance) provides a wide range of health insurance plans to suit every need
30 min
Cashless Claim Processing 1
15 Lakh+
Claims paid since inception 2
1.5 Crore+
Happy customers served till date
Custom Health Insurance Plans designed for You
A plan that rewards you for starting young
Starts from
₹8,6321
Annual Premium
₹5,00,000
Sum Insured
- Lock the age, pay premiums as per entry age till you claim
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Maternity coverage including IVF, Adoption and more
- Use and get back your base coverage. Unlimited times and forever
Nothing Seems Impossible. The Most Comprehensive health insurance plan.
Starts from
₹7,8212
Annual Premium
₹5,00,000
Sum Insured
- Save as you age. Pay as per entry age, until you claim.
- Use and get back your base coverage. Unlimited times and forever.
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Up to 30% discount on renewal premium basis step count
A Health Insurance Plan that works your way
Starts from
₹4,8043
Annual Premium
₹5,00,000
Sum Insured
- Pay Apne Hisaab se! Flexible or One Time. Sooner the payment, higher the discount
- Get 50% of your premium back, accumulate it, and even get 10% bonus for life. No waiting periods or exclusions on this amount.
- Get ₹5,000, if treatment taken in any Govt. hospital and claim not paid under this policy
- Access unlimited digital consultations with general physicians through our mobile app.
A comprehensive health insurance plan,with coverage for you and your family according to your needs and lifestyle.
Starts from
₹11,5714
Annual Premium
₹5,00,000
Sum Insured
- Comprehensive coverage up to ₹3 Cr
- In-built travel insurance coverage for multiple trips in a year
- Modern Treatments coverage
- Maternity (worldwide) and new born baby cover
The Smart Health Insurance Plan with Smart Feature to keep your family protected
Starts from
₹11,7755
Annual Premium
₹5,00,000
Sum Insured
- No Room Rent Capping
- Modern Treatments Covered up to Sum Insured
- Hospitalisations of 2 hours or more covered
- One time refill of Base Sum Insured, even for same illness.
Quick Links
Network Hospital
Find hospitals near you that are covered under our insurance network for hassle-free cashless treatment
Family Health Insurance
Get comprehensive coverage for your entire family under a single health insurance plan.
Claim Settlement Ratio
Check our track record for successfully settled claims, ensuring peace of mind when you need it most.
Premium Calculator
Calculate your insurance premium easily to choose a plan that fits your budget.
Best Insurance Plans
Explore our top-rated insurance plans that offer extensive benefits for various healthcare needs.
How does Our Claim Process work?
Get to know the steps involved in the claim Process, Whether it is a planned or emergency hospitalisation. Filling a claim is made easy by choosing any of the following ways:
Hospital Admission:
Get admitted to a Niva Bupa network hospital.
Identification:
Present your Niva Bupa Health Card or policy number along with valid ID (Passport/PAN card/Voter’s ID) to the hospital staff.
Pre-authorisation:
The hospital will verify your details and submit a pre-authorisation request to Niva Bupa.
Niva Bupa Confirmation:
After verification, Niva Bupa will confirm coverage to the hospital via fax and email, and notify you by text and email, typically within 30 minutes of the request.
Final Settlement:
Upon completion of treatment and necessary formalities, the hospital will settle the claim with Niva Bupa according to your policy terms.
All you need to know about Health Insurance for kids In India
Health insurance for kids is a crucial component of ensuring their well-being and access to necessary medical care. It provides coverage for a range of healthcare services, including preventive care, check-ups, vaccinations, and treatment for illnesses or injuries. Access to health insurance ensures that children can receive timely medical attention, fostering their physical and mental development while safeguarding against potential health risks.
Types of Health Insurance for Children
Within your insurance plan, premiums are obligatory payments that facilitate investment in various securities by the insurance company. The returns yielded from these investments are subsequently shared with policyholders.
Hence, child insurance plans not only serve as a protective measure but also emerge as a viable investment avenue. There exist two primary categories of child insurance plans contingent upon the investment securities and the associated risk-return dynamics:
Traditional Child Insurance Plans: These plans offer a guaranteed return on investment and are considered low-risk ventures. Premiums paid by policyholders are allocated to conservative investment avenues such as bonds and fixed deposits. Upon maturity, the policyholder receives a predetermined sum assured amount.
Unit-Linked Insurance Plans (ULIPs): Representing a market-linked investment alternative, ULIPs typically yield higher returns compared to traditional plans. A fraction of the premium is directed towards equity or debt funds, while the remainder is allocated to insurance coverage. ULIPs provide flexibility regarding investment choices and policy terms. Policyholders can adjust their fund allocations based on their risk tolerance and prevailing market conditions.
How to Find the Right Child Insurance Plan?
When searching for the right child insurance plan, it's essential to consider several factors to ensure comprehensive coverage and financial security for your child's future. Here are seven key points to guide your decision-making process. Below is a table summarizing the key points to consider when finding the right child insurance plan:
Points to Consider | Description |
|---|---|
Assess Healthcare Needs | Evaluate your child's medical requirements, including routine care and potential pre-existing conditions. |
Research Insurance Providers | Look for reputable companies with a strong financial standing and reliable customer service. |
Understand Plan Options | Learn about traditional plans and ULIPs, considering their features and investment options. |
Compare Plan Features | Compare premiums, benefits, and riders offered by different insurance providers. |
Consider Coverage Flexibility | Opt for plans that offer flexibility to adjust coverage as your child's needs change over time. |
Review Policy Exclusions | Thoroughly examine policy exclusions and limitations to understand what is not covered. |
Seek Professional Advice | Consult with financial advisors for personalised guidance and recommendations. |
Inclusions & Exclusions Under Health Insurance Plans for Kids
Health insurance for kids is a crucial aspect of ensuring their well-being and safeguarding against unexpected medical expenses. Understanding the inclusions and exclusions of such insurance policies is essential for parents to make informed decisions regarding their children's healthcare coverage.
Inclusions:
Hospitalisation Costs: Most health insurance plans for kids cover hospitalisation expenses, including room charges, nursing care, and medical procedures necessitated by illnesses or accidents.
Prescription Medications: Coverage often extends to prescription medications prescribed by healthcare providers for treating various health conditions or managing chronic illnesses.
Vaccinations and Immunisations: A very few health insurance policies include coverage for recommended vaccinations and immunisations, ensuring that children receive essential preventive care to safeguard against infectious diseases.
Emergency Care: Coverage for emergency room visits and urgent medical care is a critical inclusion in best health insurance for kids, providing financial protection during unforeseen medical emergencies.
Exclusions:
Cosmetic Procedures: Health insurance policies typically do not cover cosmetic procedures or treatments that are not deemed medically necessary for a child's health and well-being.
Experimental Treatments: Experimental or investigational treatments that have not been proven effective or approved by regulatory authorities are often excluded from coverage.
Certain Pre-existing Conditions: Some health insurance plans may have exclusions for pre-existing conditions, depending on the policy terms and regulations in the respective jurisdiction.
Dental and Vision Care: Basic dental and vision care, such as routine dental check-ups, eyeglasses, and contact lenses, may not be covered under standard health insurance plans and may require separate dental and vision insurance.
Injuries Resulting from Hazardous Activities: Injuries sustained while engaging in hazardous activities such as extreme sports or high-risk recreational pursuits may not be covered under health insurance policies without additional riders or endorsements.
Make the Right Choice
When selecting the most affordable health insurance for children, it's crucial to consider both cost and coverage to make the right decision. Look for plans that offer comprehensive coverage for essential medical needs while fitting within your budget. Niva Bupa provides affordable health insurance options tailored to meet the needs of families, ensuring access to quality healthcare for children without breaking the bank. Take the first step towards securing your child's health today by exploring Niva Bupa's range of insurance plans.
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Watch what our customers are saying. REAL STORIES with REAL IMPACT!
Vippan Kapur
It is unbelievable how Niva Bupa claim team came to my aid, Monday to Sunday no day off.
Meenakshi Khanna
Within few hours we got the claim number and in the next three days the amount was reflected in our bank account.
Vijay Kapoor
With the help of Niva Bupa Health Insurance, I was able to get my son treated without worrying about the high medical cost.
Diviay Chadha
Whenever we have filed for a claim with Niva Bupa, the process was very smooth and people were very helpful.
Parveen Singh
The Niva Bupa team was extremely helpful, be it day or night, someone was always available.
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