Children Health Insurance

Every parent wants their child to grow up healthy and happy. But medical emergencies can strike at any time, leaving families stressed and financially unprepared. Children Health Insurance ensures your child receives the best medical care without putting your finances at risk.

OneAssure helps you choose the right plan, provides expert guidance, and supports you at every step of your child’s healthcare journey.

Children Health Insurance is a specialized policy that covers medical expenses for children, including hospitalization, surgeries, consultations, and sometimes vaccination and wellness benefits.

Unlike standard health insurance, these policies are designed keeping children’s specific medical needs in mind, providing coverage for childhood illnesses, accidents, and preventive care.

With Children Health Insurance, your child’s health is protected, and you avoid unexpected financial stress during emergencies.

As a parent, your child’s health is your top priority. But medical costs are rising, and even minor illnesses can lead to significant expenses.

Here’s why Children Health Insurance matters:

Most Children Health Insurance plans include:

1. Hospitalization due to illness or accident
2. Surgery expenses
3. ICU charges
4. Doctor consultations
5. Diagnostic tests
6. Vaccinations and preventive care (for some plans)
7. Day-care treatments
8. Ambulance charges
9. Daily cash allowance during hospitalization
10. Critical illness coverage, depending on the plan

It is important to know what is not covered. Common exclusions include:

1. Pre-existing illnesses not disclosed at the time of policy purchase
2. Cosmetic treatments or elective procedures
3. Self-inflicted injuries
4. Injuries due to extreme sports or adventure activities (unless specified)
5. War or riot-related injuries
6. Accidents under influence of alcohol or drugs

OneAssure clearly explains all exclusions so you can make an informed decision.

Premiums for Children Health Insurance are influenced by several factors:

1. Age of the child
2. Coverage amount (sum insured)
3. Type of plan (individual or family floater)
4. Health history of the child
5. Optional add-ons or riders
6. Network hospital facilities

OneAssure helps you balance coverage and premium for the best value.

When selecting a plan, consider:

1. Age of your child
2. Coverage for hospitalization and surgery
3. Preventive care benefits
4. Network hospitals in your city
5. Sum insured for future medical inflation
6. Optional riders like critical illness, dental, or wellness programs
7. Premium affordability
8. Reputation and claim settlement ratio of insurer
9. Coverage for multiple children if needed

OneAssure guides you through each factor to ensure the plan fits your child’s health and your budget.