Health Insurance for Children

A child health insurance policy is a type of insurance plan that helps you manage the medical expenses of your children during the policy tenure. Depending on your child’s age and healthcare needs, you can choose between individual or family health insurance coverage for children.

Under a family floater health insurance policy, you can include your spouse, parents, and dependent children under a single policy. By doing so, you can ensure medical insurance coverage for your entire family without having to purchase multiple plans.

Children are particularly vulnerable to a host of infections and diseases, some of which are specific to newborns and toddlers. Imagine a situation where your infant needs surgery or has a medical condition that requires consistent medical assistance. In such cases, timely care and financial preparedness become crucial.

Explore TATA AIG MediCare Health Insurance Plans to secure medical insurance for your children and ensure the availability of sufficient funds for a wide variety of healthcare expenses.

Understand the age eligibility criteria, compare policy coverage features and benefits, and review the policy terms and conditions to choose the best health insurance plans for children in India.

Rising Health Concerns Among Children

The Children in India, 2025 report shows that 10.3% of children aged 5-9 and 10.4% of those aged 10-19 are pre-diabetic.

In addition, India sees over 50,000 new childhood cancer cases occur every year.

In Karnataka alone, between 2023 and 2026, more than 19.3 lakh cases of skin conditions and 18.8 lakh cases of dental problems were identified among school children.

Conditions once seen mostly in adults are now appearing in children. This compels the need for early medical attention and health insurance plans for children.

Protecting Children with Low Immunity

Since young children, particularly newborn and prematurely born children, have lower immunity than adults, they are vulnerable to a wide gamut of infections and diseases, from minor illnesses to serious health conditions. This higher risk to a child’s health makes health insurance for children an important consideration for parents.

Medical Inflation On The Rise

The cost of medical treatment is rising at a faster pace than the cost of retail products. Conditions like pneumonia and diarrhoeal diseases are common causes of hospitalisation in children. Therefore, it is prudent to opt for a health insurance policy for your child.

Protect Your Savings

If you do not have a health insurance policy, you may have to delve into your savings to manage your child’s medical expenses. This could affect your future financial plans. By buying health insurance for children, you can safeguard your savings and ensure timely medical care for your child.

Policy Purchase<

While purchasing a health insurance policy for your child, you will compare the different options available and choose a suitable policy. Once you pay the premium for the policy, the coverage becomes effective.

Need for Medical Treatment Arises<

When your child needs treatment for an illness or an injury, you will seek medical help. You can plan for the treatment and file a claim, provided it is not during the waiting period and is in line with the policy terms and conditions.

Claim Process<

As you submit the claim form and supporting documents, your claim will be reviewed. Once approved, the applicable claim amount will either be settled directly with the hospital or reimbursed to you.

Individual Health Insurance

With an individual health insurance policy, you can opt for a high sum insured of up to ₹3 Crores to cover medical expenses exclusively for one child.

If you are seeking comprehensive and affordable health insurance for children against a wide range of medical expenses, this policy is a suitable option. It covers hospitalisation, pre- and post-hospitalisation, day care procedures, AYUSH benefit, and more.

Family Health Insurance

Under a family health insurance policy, you can cover your entire family, including dependent children, under a single policy. The sum insured is shared among all covered members.

If you prefer one policy that covers you, your spouse, and your children, this is a practical and cost-effective choice.

Super Top-up Health Insurance

A super top-up health insurance policy provides an additional sum insured once your existing health insurance coverage is exhausted. The policy is based on a deductible threshold.

Once the medical expenses cross the deductible limit and are paid in a policy year, the policy covers the remaining expenses for the entire policy year. This option is useful if you expect multiple hospitalisations for your child due to an illness or injury.

Critical Illness Insurance

A critical illness insurance policy provides coverage for the treatment of specified illnesses, such as cancer.

If there is a family history of critical illnesses, this policy offers an added layer of financial protection and helps manage high treatment costs in the future.

The eligibility criteria for purchasing health insurance for children only vary depending on the specific health insurance policy.

• Hospitalisation Cover: If your child gets hospitalised due to an illness, disease, or injury, the related hospitalisation expenses are covered. This includes room rent, nursing expenses, medicines, and other hospital medical bills.

• Pre- and Post-Hospitalisation Cover: Health insurance for children also covers medical expenses incurred before and after hospitalisation for a specified period. This includes follow-up visits and medications.

• Cover for Daycare Procedure: Our medical insurance plans include coverage for more than 540 daycare procedures. These are procedures that require your child to be in the hospital for a period not exceeding 24 hours.

• Maternity Cover: If you opt for maternity cover, you can also include the delivery complications cover and the vaccinations cover. This covers medical expenses of the newborn for complications related to delivery and vaccination expenses for up to one year.

• Ambulance Cover: Our child health policy comprises an ambulance cover, which means that the cost of ambulance expenses can be reimbursed to you.

• AYUSH Cover: With the TATA AIG Children's Health Insurance Plan, you can cover the expenses related to AYUSH treatment, which includes Ayurveda, Yoga and Naturopathy, Unani, Siddha, or Homeopathy.

• Organ Donor: Under this inclusion, the medical and surgical expenses of the organ donor are covered when the insured child receives the organ.

• High End Diagnostics: Under this benefit, the expenses incurred towards diagnostic tests such as Brain Perfusion Imaging, CT-guided Biopsy, PET CT, and PET MRI are covered.

Please note: These are some of the key inclusions. Kindly refer to your policy document for more coverage benefits.

• Diagnostic Tests: The expenses for diagnostic studies, for instance, X-ray and laboratory tests, at a hospital, unless they are a part of diagnosing a specific illness that requires hospitalisation.

• Out-of-Scope Medical Treatment: Medical treatment received from a Medical Practitioner that is outside the scope of their discipline is not covered.

• Stem Cell Therapy: Stem cell therapy is generally not covered. However, hematopoietic stem cells for bone marrow transplant for haematological conditions are covered.

• Preventive Care and Vaccination: All preventive care, vaccination, including immunisations, are not covered, except in case of post-bite treatment and other vaccines specifically covered.

• Supplements: Dietary supplements and substances that can be purchased without a prescription, unless prescribed by a doctor, are not covered.

• Other Items: Items of personal comfort and convenience needed at a hospital, such as the Internet, television, and telephone.

• Other Exclusions: Congenital external diseases, defects, or anomalies, growth hormone therapy, and any existing disease specifically mentioned as a permanent exclusion.

Please note: These are some of the key exclusions. Kindly refer to your policy document for detailed information

You Get Extensive Coverage

Health insurance plans for children provide extensive coverage for various health conditions, including critical illnesses.

Serious or life-threatening diseases often require repeated consultations, medical procedures, and hospitalisation to ensure quality care, all of which can be covered under a health insurance plan.

You Get Comprehensive Health Insurance Coverage for Children

By purchasing health insurance for children, you can cover a diverse range of expenses under a single policy. This includes hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, AYUSH treatment, day care procedures, ambulance expenses, and more.

You Get Access to Cashless Insurance

The advantage of cashless insurance allows you to get treatment for your children without paying for the expenses at the hospital. While this facility is available in both network and non-network hospitals, it is faster and more convenient in network hospitals. TATA AIG has 12,000+ hospitals across the country.

You Get Add-ons to Reduce Waiting Periods

With optional add-ons to reduce waiting periods, you can reduce the applicable waiting period to 24 months or 12 months, based on the type of coverage. This allows you to access the benefits sooner as required.

You Can Get Substantial Discounts

Including more members in your family insurance plans offers substantial savings in the form of discounts. For example, adding two members gives you a 22% discount on your premium. This discount increases to 28% for three family members with at least one child and 32% for more than three family members with at least two children.

You Get Tax Benefits

Yes, the premium paid for a health insurance policy that covers yourself, your spouse, and dependent children qualifies for a tax deduction under Section 80D of the Income Tax Act, 1961. The benefit is up to ₹25,000 if you are less than 60 years of age and ₹50,000 if you are above 60 years of age.

The best time to buy health insurance for children is as early as possible. You can buy health insurance from the day of birth or once the child is 91 days old, depending on the policy.

In addition, health insurance premiums are generally lower at a younger age when there are no existing health issues. This makes early purchase more affordable initially and helps maintain continuous coverage as your child grows.

Just as it is important to choose the right health insurance policy for yourself, it is equally pivotal to select the optimal child health insurance plan. Here are some factors you must consider when selecting a child health policy.

Coverage

The most important aspect of any health insurance plan is its coverage. While assessing and comparing various children's insurance plans in India, ensure that you carefully evaluate the scope and limits of coverage.

Option to Enhance Coverage

Flexibility to enhance the coverage is also a key requirement. If, at a later stage in life, you wish to increase the sum insured or add additional covers, it provides you with better control over your child’s health insurance choices.

Inclusions and Exclusions

Before buying health insurance for children, study the policy wordings thoroughly. Check whether your children are eligible to be covered under the selected policy, what covers are available for them, and exclusions that apply.

Renewability

You can consider opting for a health insurance policy that has lifetime renewability to avoid the hassle of buying a new policy after a certain age.

Waiting Period for Various Covers

Health insurance plans may have waiting periods before certain covers become active. Check these waiting periods to ensure that the selected policy is in line with your child’s health insurance requirements.

If you are looking to buy the best health insurance for children, you can follow these simple steps:

Assess your Child’s Healthcare Needs

Analyse your child’s healthcare requirements. Consider factors such as age, existing health conditions, family medical history, and local medical costs to determine the required sum insured.

Determine the Required Sum Insured

Based on the health conditions you have evaluated, determine the coverage amount. Your child’s health policy should provide financial protection in case of hospitalisation, illness, infection, or accidents, among other potential health-related situations.

Compare Health Insurance Plans

You can find various health insurance plan options available with different features and benefits. Take the time to compare health insurance plans and choose the best health insurance for children.

Cover for Newborns

If you have opted for maternity cover, you can include delivery complication cover and vaccination cover to protect against medical expenses related to childbirth complications and vaccinations.

Include Optional Add-ons

Explore the optional add-ons available and select the ones that provide additional protection based on your child’s specific healthcare needs. This allows you to customise your policy and pay only for what is required.

Determine the Premium

Review your coverage and add-ons, revise them if necessary, and choose affordable health insurance for children to suit your budget.

You can calculate the premium for your child’s health insurance policy using the TATA AIG health insurance premium calculator online.

Factors that Affect the Cost of Health Insurance for Children

• Age: The health insurance premium increases as your children grow older. Premiums for infants and toddlers are generally lower.

• Pre-existing Health Conditions: If your child is suffering from an illness or disease, the premium is likely to be higher.

• Location: Health insurance premiums for children can vary based on your location, as healthcare expenses are usually higher in cities compared to rural areas.

• Type of Policy and Sum Insured: The type of policy you choose and the extent of coverage selected will impact the premium for your child’s health insurance.

• Optional add-ons: Choosing optional add-ons, such as for OPD care and a reduction in waiting period, can also increase the premium.

• Policy Tenure: If you have opted for a longer policy tenure, then the health insurance premium is likely to increase.

• Claim History: The premium will also increase if you have raised multiple claims for your children in previous years.

• No Claim Discount: The premium will decrease if you have earned a cumulative bonus in the form of a no-claim discount for every claim-free year.

• Easy and Convenient: Buying health insurance plans for children online is easy and convenient. You just need to follow a few simple steps. You can also buy health insurance online from the comfort of your home.

• Compare Health Insurance: You can compare health insurance online based on the features and benefits to choose the most suitable and affordable policy online.

• Instant Issuance: By purchasing a health insurance policy online, you can receive the policy instantly.

• Avoid Unnecessary Costs: You can buy health insurance directly and avoid unnecessary intermediary expenses like paying for an insurance agent.

• Understand Policy Terms and Conditions Better: The policy documents, brochures, and prospectuses are available online. You can easily read through them and understand the policy conditions clearly.

• Dependable Financial Protection: Backed by 25 years of experience in the insurance industry, TATA AIG offers a reliable insurance experience.

• Buy Health Insurance Online: You can buy health insurance online in a few simple steps. The platform is user-friendly and secure for transactions.

• Multiple Plan Options: TATA AIG offers various plan options that allow you to choose a suitable policy based on your specific healthcare needs.

• Personalised Support: We help you make the right decision for your child with personalised assistance.

• 24/7 Customer Support: You can reach out to us by calling 022-6489-8282 for any specific concerns.

Step 1: Open the official TATA AIG website. Under the ‘Personal’ tab, click on ‘Health Insurance’.

Step 2: Click on ‘Get my plan’ and proceed to give details about your children.

Step 3: Compare the recommended list of health insurance plans for your children and choose a suitable policy.

Step 4: Include the necessary optional add-ons.

Step 5: Pay the applicable premium. The health insurance policy document will be sent to your registered email address.

Step 1 - Open the official TATA AIG website. Under the ‘Personal’ tab, click on ‘Health Insurance’.

Step 2 - Click on ‘Renew your TATA AIG policy’ and proceed.

Step 3 - Enter your ‘Policy Number’ and click on ‘Renew’.

Step 4 - Review your existing policy coverage and make the necessary changes, like increasing the coverage and including optional add-ons.

Step 5 - Pay the applicable premium. The health insurance policy for your children will be renewed instantly.

Inform TATA AIG about the claim within 24 hours in case of an emergency and at least 48 hours before a planned hospitalisation.

Cashless Claims

Step 1: Initiate the claim online or contact us to register the claim. You can reach out to us on our 24/7 customer support number:** 022-6489-8282.

Step 2: Visit the hospital and reach out to the TPA for pre-authorisation.

Step 3: Upon approval, receive the treatment.

Step 4: Submit the medical bills and reports to the hospital.

Step 5: We will settle the bills directly with the hospital.

Reimbursement Claims

Step 1: Initiate the claim online or contact us to register the claim.

Step 2: Visit any authorised hospital and receive the treatment.

Step 3: Pay the applicable bills and collect the payment receipts.

Step 4: Submit the claim form, medical records, bills, and payment receipts to TATA AIG.

Step 5: We will reimburse the applicable expenses to you.

• Policy document

• Duly filled claim form

• KYC Documents - Proof of Identity and Proof of Address

• Medical reports

• Original medical bills

• Payment receipts

• First Information Report (FIR), in case of accidents.

• Any other specific document based on individual circumstances.

• Not Choosing the Right Insurance Policy: Comparing available options and choosing the best health insurance for children is essential. While opting for a lower sum insured can reduce the premium, inadequate coverage can increase your financial burden.

• Ignoring Waiting Periods: If your child is suffering from a pre-existing health condition, your child must complete the applicable waiting period before availing the benefits.

• Ignoring Policy Inclusions and Exclusions: Health insurance coverage and claim payouts depend on the defined inclusions and exclusions. It is important to review this carefully. For example, congenital external diseases, defects, or anomalies are not covered under a health insurance policy.

• Ignoring Sub-limits and Deductibles: Some health insurance plans have sub-limits and deductibles that apply. Coverage will not extend beyond these sub-limits, and any deductibles must be borne by you.

• Ignoring Cumulative Bonus: Claim-free years can help increase your sum insured or provide a discount on the renewal premium. Make sure to file a claim only when necessary and avoid claiming for smaller amounts unnecessarily.

• Make sure you clearly mention your child’s pre-existing health conditions when purchasing the health insurance policy.

• Manage your child’s health insurance online and keep all details updated.

• Stay informed about all policy notifications and updates.

• Renew your child’s health insurance policy on time to ensure continuous coverage.

• Seek personalised support if you need assistance in choosing the best health insurance for children.

• Keep all medical reports of your child safe for a smooth claim settlement process.

• Make sure you are aware of all policy benefits, including cumulative bonuses, to make the most of your plan.