When Do I Add Baby to Health Insurance?

Health Insurance for Newborns: A Parent's Guide

There are many health insurance plans that provide all-round coverage for newborns since day one. However, their age has to be at least 16 days old to avail a suitable coverage under the existing healthcare policy. This rule can slightly vary based on the health insurer you select for a newborn health insurance policy. 

Health Insurance Coverage for Babies: What Parents Need to Know

Getting individual comprehensive healthcare insurance for babies from day one is not that easy. 

Nevertheless, you can rely on maternity plans to ensure adequate coverage in terms of neonatal care for up to the first 90 days. Under this, parents can claim reimbursement or cashless treatment for issues involving premature birth, low birth weight, and other similar problems at network neonatal units. 

Furthermore, you can avail health insurance for a newborn baby to cover costs associated with additional treatments, equipment, and 24/7 medical supervision. For the best deals, it is advised to consult an agent of your preferred health insurance company before finalising any plan. 

Finally, when considering the policy premium, you can use online premium calculators available on the websites of different insurers to assess an ideal premium against the benefits offered.

Documents Needed to Enrol Your Newborn in Your Existing Plan

The following documents are compulsory to add your baby as a beneficiary to an existing health coverage plan:

●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 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. Following this, the insurance provider will review the premium rate and provide you with a new quote. Once you approve it and finalize the payment, your baby will then be covered by the family health insurance plan.