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Updated on Feb 26, 2025 4 min read
Health insurance for your newborn in India is essential given the consistent threat of multiple illnesses. With the widespread of new illnesses, having the best health insurance for your newborn will make you worry-free.
With the best health insurance for a newborn baby, all the medical care expenses for your newborn and the mother will be covered, including comprehensive features like hospitalization coverage, ICU coverage, diagnostics, pre and post-natal coverage, and more. You can also cover your newborn baby under your family health insurance plan.
Let us explore more about newborn health insurance plans in India in the article given below
According to UNICEF, common causes of newborn deaths among babies less than 29 days old are—prematurity and low birth weight (48%), neonatal pneumonia (12%), and non-communicable diseases (7%). Most health insurance plans for newborns have a waiting period of 90 days. However, multiple newborn health insurance plans in India cover newborns from day 1.
Explore the best newborn health insurance plan for to-be-parents below:
Newborn Health Plans | Sum Insured | Waiting Periods |
Bajaj Allianz HERizon | INR 3 L - 2 Cr | 24 Months |
Ultimate Care | INR 3 L - 1 Cr | As per the current policy if the baby is added within 90 days of birth |
Niva Bupa Aspire | INR 3 L - 1 Cr | 9 Months |
Super Star | INR 5 L - 1 Cr | Covered from Day 1 |
ICICI Elevate | INR 5 L - 3 Cr | 24 Months |
A newborn health insurance plan plays an important role for both the child and parents:
Here are the best types of insurance policy for newborn babies in India:
A common health plan covering both mother and child. Maternity health plans cover the costs of normal, and C-section deliveries, doctor consultations, diagnostics, vaccinations, and congenital ailments (birth defects).
This category of health insurance plan covers all family members under a single sum insured including your newborn baby. Many family floater health plans offer the inclusion of newborns from day 1 of birth.
Some health insurance providers offer specific health plans for newborns in India. These plans cover, post-natal care, vaccinations, preventive check-ups, NICU cover, and other diverse healthcare services needed for newborns.
The key benefits of having health insurance for your newborn are mentioned below:
Consider the following factors when selecting the best insurance policy for newborn babies in India.
The medical care expenses for your newborn baby are different than yours. Select an adequate sum insured for your child. However, keep your overall budget in mind before selecting the sum insured for your newborn baby cover as a higher sum insured means higher premiums.
Check all the details of the health insurance for your newborn in India. Ensure that it covers all the necessary treatments, vaccinations, and treatments you deem necessary.
Consider the additional features mentioned in the health insurance for your newborn. Check if there is an option to add your newborn from day 1 in your family floater health insurance.
You must check if the health insurance for your newborn in India has any co-payment clauses mentioned. The co-payment clause means you will have to bear a certain percentage of the medical bill which will result in a decreased premium.
You must check the eligibility criteria before purchasing a newborn health plan in India. Consider the upper age limit for continued coverage for your child.
Your newborn baby brings a lot of joy for you as parents and for your family members. In today’s day and age, newborn health insurance in India is not an option but a necessity. Congenital diseases, vaccinations, regular health check-ups, and multiple such medical care expenses are covered by the best health insurance for your newborn. Adding your newborn to a family floater health plan, or simply investing in a stand-alone health insurance plan for your newborn is entirely your decision but ensure you select an adequate sum insured for stress-free childcare management.
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Yes, you can buy health insurance plans for newborns in India. The coverage is offered for medical expenses like regular health check-ups, vaccinations, emergency hospitalization, NICU, and more.
Most often family floater health plans in India cover your newborn after 90 days. However, some health plans cover babies from day 1.
The best newborn health insurance in India may be different for everyone. Multiple factors must be considered like sum insured, coverage features, add-ons, etc. Star Health Insurance’s Super Star is one of the best as it covers your newborn from Day 1.
Consider a maternity health insurance plan for your newborn health insurance as it not only covers the newborn but also provides medical care coverage for the mother. Pre and post-natal care, congenital ailments, vaccination expenses, regular check-ups, and NICU expenses are covered.
Most health insurance plans only cover newborns after 90 days of birth. However, multiple newborn health insurance in India covers your child from day 1.
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Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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