When Should I Add My Baby to Health Insurance?

Health Insurance for Newborns: A Complete Parent’s Guide

Many health insurance offer comprehensive coverage for newborns, but most require the baby to be at least 16 days old to be added to an existing policy. This requirement may vary depending on the insurer and the specific policy terms.

Health Insurance Coverage for Babies: What Parents Need to Know

Obtaining individual comprehensive health insurance for newborns from day one is possible with some of the health insurance plans.

Nevertheless, you can rely on maternity plans to ensure adequate coverage in terms of neonatal by ensuring new born is covered from day one.

These plans typically cover reimbursement or cashless treatment for conditions such as premature birth, low birth weight, and related complications at network hospitals

You can also opt for newborn health insurance to cover expenses for specialized treatments, medical equipment, and round-the-clock care.

For the best options, consult your preferred insurer or a licensed agent before finalizing a plan.
Use online premium calculators on insurer websites to estimate the ideal premium based on the benefits offered.

Documents Needed to Enrol Your Newborn in Your Existing Plan

To add your newborn to an existing health insurance plan, you will need the following documents

● Baby's birth certificate
● The maternity discharge card
● Medical reports that clarify the baby’s current health condition
● Additional documents (this can vary from one insurer to another)

For the complete list of documents, you can call Star Health at 1800 425 2255 and ask about your queries to get them resolved.

Process to Add Your Baby to Your Family Health Plan

Adding your baby to an existing family floater plan is very easy. This allows for financial protection against postnatal and early vaccination costs.

In order to include your newborn, you need to submit a new proposal form and include all required documents with it. The insurer will then review the premium and provide an updated quote. Once you approve it and finalise the payment, your baby will then be covered by the family health insurance plan.

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