Before buying a health insurance policy for children, keep these points in mind, otherwise there may be trouble later

As soon as the parents become parents, the new responsibility of the education and health of the newborn child falls on the people. In which you have 3 to 5 years to start the responsibility of education. But the responsibility of health has to be taken by the parents with the birth of the newborn child. In such a situation, if a newborn child has been born recently in your house, then you can easily fulfill your responsibility by getting his health insurance policy. Apart from this, you can also cover your newborn child in the existing family floater or group health insurance. Let us know what things you should keep in mind in a children's health insurance policy.

The insurance company gives a health policy after 90 days –

Insurance companies give a health policy to the child only 90 days after the birth of the newborn. The rationale behind this is that during the 90 days, the risk is greater with children. At the same time, there are many insurance companies that provide the facility of health policy along with the birth of the child. Therefore, whenever you choose a health policy for your newborn child, make sure to make it clear that the health policy will start with the birth itself or will be active after 90 days of birth.

A newborn can be included in the insurance cover –

If you have a health insurance policy, then for this, according to the insurance policy, you will have to pay a certain premium. Then renew it every year. You can include child health cover at the time of renewing your health insurance policy. To do this, you have to give all the information in the form prescribed by your insurance company. Remember, you also have to submit the relevant documents in this. Companies that provide cover as soon as the child is born, have to disclose it within seven days from the birth of the child.

These documents are required for health policy – ​​

When you include the child born in your health insurance policy. So for this, you have to make an application. In which you have to give the birth certificate of the child, leave card given to the mother from the hospital after birth, and other reports. After this, the insurance company calculates the premium by checking the relevant documents and this premium is slightly higher than your current premium.

Be sure to check the cover while taking the policy –

whenever you take a health policy for your child. Before that, definitely check the cover offered by the insurance company. Because many insurance companies only cover the cost of some vaccines for the child. While some companies cover congenital diseases. Therefore, experts say that while including health cover, the fee and conditions must be read carefully.