Top Health Insurance Plans For Children To Buy In 2021

With the growing risk of the spread of the third wave of coronavirus pandemic, the concerns of individuals to protect their families has increased and there exists health insurance policies offering them the financial support to shield their loved ones against the medical expenses incurred during hospitalization in case of an emergency. You can invest in a comprehensive family floater health insurance policy to cover all your family members under a single insurance plan at an affordable price. It offers enough coverage to look after you, your spouse, children, and dependent parents. However, if your parents are vulnerable to life-threatening diseases, it is advisable to buy them a separate senior citizen health insurance cover. 

Children must be protected against any health issues and for that it is necessary to ensure them quality treatment in private hospitals without worrying about the monetary issues. You can cover your children under a family floater plan along with the parents at a good price and shield them from any unforeseen events. You can compare the family floater plans by different insurance providers and choose the one that meets your demands at an affordable price. 

Top Health Insurance Plans For Children 

Following is the list of family floater health insurance plans which can cover the children along with their parents offering an extensive coverage: 

1. HDFC Ergo Health Suraksha Plus Regain 

This is a family floater plan offered by the HDFC Ergo Health Insurance firm and includes expenses like domiciliary expenses, hospitalization costs, daycare procedures, ambulance costs, room rents, AYUSH treatments, health checkups, and a lot more. The assured sum of amount under this plan ranges from Rs. 3 Lakh to Rs. 10 Lakh. There is no maximum age limit to avail the benefits of this policy cover and comes with a specified waiting period. 

2. TATA AIG Mediprime Health Insurance Cover 

This family floater cover has a maximum entry age of 65 years and comes with benefits like hospital cash benefit, AYUSH treatments, pre and post-hospitalization costs, domiciliary expenses, inpatient costs, etc. the assured sum ranges from Rs. 2 Lakh to Rs. 10 Lakh with a 4 years waiting period for pre-existing diseases. 

3. Bajaj Allianz Health Guard Family Floater Gold Health Insurance Plan 

This is a family floater plan offered by Bajaj Allianz health insurance to its policyholders and comes with an assured sum of Rs. 3 Lakh to Rs. 50 Lakh. Along with the standard benefits like domiciliary expenses, hospitalization costs, ambulance charges, room rents, etc. it also offers convalescence benefit, restore coverage benefit, hospital cash benefit, AYUSH treatment costs, and a lot more to its policyholders. The waiting period for this plan ranges from 2 to 6 years and the maximum entry age is 65 years for the customers. 

4. Oriental Happy Family Floater Plan 

This health insurance policy cover can include all the members of your family under an assured sum of amount ranging from Rs. 1 Lakh to Rs. 20 Lakh thus, providing enough money for each member insured within the policy. It offers features like pre and post-hospitalization costs, inpatient costs, ambulance charges, room rents, infertility benefits, restore coverage, life hardship survival features, and much more. With a maximum entry age of 65 years, it has a waiting period of 30 days for any claim and 1 to 4 years for a certain ailment. 

5. HDFC Ergo Optima Restore Plan

This is another beneficial and comprehensive family floater health insurance plan by HDFC Ergo Health Insurance and it offers stay active discount, AYUSH treatment costs, ambulance charges, room rents, hospitalization costs, etc. to its policyholders. The assured sum of amount under this plan is around Rs. 3 Lakh to Rs. 50 Lakh with maximum entry age of 65 years. Waiting period on certain ailments is also applicable according to the insurer. 

Conclusion 

The above-mentioned family floater plans are a great deal to include your children in a health insurance policy to ensure them quality treatment at the time of a medical emergency. You must go through the terms and conditions of the policy to make sure that there is enough coverage for all the members of your family included under the plan. 

Also Read: Importance of Health Insurance for Children

How To Claim Children Health Insurance?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.