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Child Health Insurance
Every parent dream of giving their child a life filled with joy, comfort and endless happiness. But in those moments, when your child falls sick unexpectedly, you get to know how fragile their little world can be. That’s why having child health insurance is necessary.
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Child health insurance provides financial protection against unexpected illnesses, injuries, hospitalisations, and rising healthcare costs. Whether you are a new parent exploring policy options or looking to upgrade your child’s current coverage, understanding how children health insurance works can help you make confident, informed decisions.
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Health Insurance for Children
9000+
Cashless Hospitals
2.5 Crore+
Lives Insured
4.5 Lacs+
Claims Settled
0% GST
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Port Existing Policy
9000+
Cashless Hospitals
2.5 Crore+
Lives Insured
4.5 Lacs+
Claims Settled
What is Child Health Insurance?
Child health insurance is designed to protect children from newborns to teenagers against the high costs of medical emergencies, illnesses, injuries, and routine healthcare needs. It ensures that your child receives the best possible medical attention without adding financial stress to the family.
Under the children health insurance policy, the insurance company covers expenses such as doctor consultations, hospitalisation, surgeries, diagnostics, daycare treatments, vaccinations, and sometimes even critical illnesses. Most health insurance plan allow you to cover your child as an individual or add them to a family floater policy, depending on your family’s needs.
- Most child health insurance plans can be purchased once your baby is at least 90 days old.
- For coverage before this age, you can opt for maternity and newborn cover, which protects both mother and baby until the child becomes eligible for a full health insurance plan.
Why is Child Health Insurance Important?
A children health insurance plays a crucial role in today’s world, where healthcare costs are rising, and children are more vulnerable to infections, accidents, and seasonal illnesses:
Why Should You Buy Health Insurance for Children?
Buying a dedicated children health insurance plan is one of the most meaningful financial decisions a parent can make. Here’s why it matters:
Children fall sick more frequently due to developing immunity: In their growing years, children are naturally more prone to infections, seasonal illnesses, and viral fevers. A child medical insurance ensures these expenses don’t take parents by surprise.
Healthcare costs for children are rising every year: From diagnostic tests to paediatric specialist consultations, the cost of treating even common health conditions has increased. Health insurance for minors helps in managing these unpredictable medical expenses, so parents can focus on the child’s recovery, not the bills.
Lifestyle‑related diseases are increasing in children: Modern lifestyle changes have led to a noticeable rise in chronic conditions, such as Type 1 diabetes, asthma, obesity‑related complications, and allergies, in younger age groups. A child health plan ensures that you are covered for such illnesses.
Supports preventive care: Good health insurance for kids covers preventive healthcare, like routine check-ups, vaccinations, and early screening. Preventive care helps detect issues early and reduce long-term health risks.
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What are the Types of Child Health Insurance Plans?
When it comes to protecting your child’s health, you’ll find several types of health insurance plans designed to meet different needs. Here are the most common options parents can choose from:
Individual Child Health Insurance Plan
An individual health insurance policy is dedicated exclusively to your child. It offers a separate sum insured that is not shared with any other family member:
- Ideal For: Parents who want full coverage for their child or the child may require regular medical attention, doctor visits, etc.
- Benefits: It offers complete, unshared protection and wide-ranging coverage, including hospitalisation, daycare treatments, diagnostics, consultations, and sometimes even preventive care like vaccinations.
Family Floater Child Health Insurance Plans
A family floater health plan is a single health insurance policy that covers the child along with parents (and sometimes siblings), under one shared sum insured.
- Ideal For: It is ideal for families where medical needs are low and budget-friendly options are needed.
- Benefits: It is an affordable and budget-friendly option with a single plan covering the entire family.
Newborn Cover for Children (as a part of Family Plan)
This is not exclusively a child plan but a newborn cover provides coverage to your kids for the first 30 - 90 days.
- Ideal For: It is ideal for expecting parents or new parents who want financial protection right from the moment their baby arrives.
- Benefits: It offers protection during the baby’s initial days and covers expenses like delivery costs, congenital conditions, and vaccinations for the first few weeks.
Note: Currently, Digit does not provide individual child policy or separate newborn cover. You can add your child to your existing family health insurance policy only.
What’s Covered in Digit Health Insurance Plan for Kids?
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
All Hospitalisation - due to Accident, Illness, Critical Illness or COVID
This covers for all hospitalisation expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalisations, as long as the total expenses are up to your sum insured.
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Initial Waiting Period
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
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Wellness Program
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
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Sum Insured Back Up
We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .
Once in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.
Unlimited Reinstatement in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.
Once in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.
Cumulative Bonus
Digit Special
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
10% of Base Sum Insured for every claim free year, up to max 100%.
50% of Base Sum Insured for every claim free year, up to max 100%.
50% of Base Sum Insured for every claim free year, up to max 100%.
No Room Rent Capping
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..
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Day Care Procedures
Health insurance covers medical expenses only for hospitalisations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.
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Worldwide Coverage
Digit Special
Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!
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Health Check-up
We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.
0.25% of Base Sum Insured, Max up to ₹ 1,000 after every two years.
0.25% of Base Sum Insured, Max up to ₹ 1,500 after every year.
0.25% of SI up to ₹ 2,000 after every year.
Emergency Air Ambulance Expenses
There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.
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Age/Zone Based Co-payment
Digit Special
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.
No Co-payment
No Co-payment
No Co-payment
Road Ambulance Expenses
Get reimbursed for the expenses of road ambulance, in case you are hospitalised.
1% of Base Sum Insured, Max up to ₹ 10,000.
1% of Base Sum Insured, Max up to ₹ 15,000.
1% of Base Sum Insured, Max up to ₹ 10,000.
Pre/Post Hospitalisation
This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.
30/60 Days
60/180 Days
60/180 Days
Other Features
Pre-Existing Disease (PED) Waiting Period
The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.
3 Years
3 Years
3 Years
Specific Illness Waiting Period
This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 1-3 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
1-3 Years
1-3 Years
1-3 Years
Inbuilt Personal Accident Cover
If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.
₹ 50,000
₹ 1,00,000
₹ 1,00,000
Organ Donor Expenses
Digit Special
Your organ donor gets covered in your policy. We also take care the pre and post hospitalisation expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
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Domiciliary Hospitalisation
Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.
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Bariatric Surgery
Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalisation for this treatment is for cosmetic reasons.
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Psychiatric Illness
If due to a trauma, a member has to be hospitalised for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.
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Consumables Cover
Before, during & after hospitalisation, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
Available as an Add-On
Available as an Add-On
Available as an Add-On
What’s Not Covered in Digit Health Insurance Plan for Kids?
Pre-Natal & Post-Natal Expenses
Pre-natal and post-natal medical expenses are not covered unless they lead to hospitalisation.
PED Before Waiting Period
A claim for a pre-existing disease or illness cannot be made until the specified waiting period is over.
Hospitalisation without Doctor’s Recommendation
Hospitalisation for any condition that doesn’t match the doctor’s prescription is not covered.
What are the Eligibility Criteria for Children Health Insurance?
Eligibility for children’s health insurance is generally simple, but it varies slightly depending on the type of plan. Most insurers allow you to cover a child once they reach a certain minimum age, while newborns are covered under health insurance with maternity or newborn cover benefits before transitioning into a full health plan:
Note: The eligibility criteria mentioned above are general guidelines and may vary across insurers. Always check the latest policy documents or consult the insurer before purchasing a plan.
How to Add Your Child to Family Health Insurance at Digit?
Adding your child to your existing family health insurance plan is a simple process at Digit. Here is the step-by-step procedure to add your kid to your health insurance plan:
Step 1: Inform Digit About the Child’s Addition
As soon as your child is born or becomes eligible, contact Digit through mail or call to add your child to the policy during renewal.
Step 2: Submit the Required Documents
You will typically need to provide the child’s birth certificate, discharge summary (if applicable), and vaccination certificate. If your child is above 3 years old, provide KYC documents only (Aadhaar card).
Step 3: Pay the Additional Premium
Pay the additional premium after adding your child and receive the updated policy documents.
Benefits of Buying Children Health Insurance Plans
Buying health insurance for kids is one of the best ways to protect your child’s well‑being. Here are the key benefits of having a health insurance plan for your children:
Access to Quality Healthcare
With insurance, parents can choose the best hospitals, paediatricians, and treatment options without hesitation.
Coverage for Chronic Conditions
As chronic conditions like asthma, viral infections, allergies, and congenital issues become more common among children, a child health plan provides complete medical support for these ongoing treatments.
Provides Financial Security
Children are more prone to infections, seasonal illnesses, and sudden health issues. Child medical insurance helps parents manage hospitalisation costs, treatments, diagnostics, and medicines without the worry of long medical bills.
Protection Right from the Early Years
Children’s immune systems are still developing, making them more vulnerable to diseases. Health insurance ensures that a child is protected from the infant stage for any medical needs.
Lower Premiums When You Buy Early
The younger the child, the lower the medical risks and therefore, the lower the premium. Buying a plan early helps parents get affordable health insurance premiums while ensuring continuous coverage for years.
Factors to Consider Before Choosing the Right Child Health Insurance Policy
Choosing the right children’s health insurance policy is a wise decision you have to make and understanding what factors you must really consider can help you select the right plan. Here are the key factors you should carefully check:
Entry Age & Eligibility Rules
Every insurer has specific age criteria. Some allow children to be added after 90 days, while others may have different minimum age requirements. Understanding this will help you get protection right from the early years.
Coverage & Benefits Offered
Start by reviewing what the policy actually covers. Whether it provides hospitalisation, daycare treatment and procedure, OPD visits, vaccinations, and critical illness benefits. Remember, the broader the coverage, the better prepared you’ll be for unexpected medical expenses.
Cashless Hospital Network
A large network of cashless hospitals ensures you can get immediate medical care during emergencies without worrying about payments. Look for insurers that have a large number of network hospitals near you. Currently, Digit has a 9000+ cashless network hospital.
Waiting Periods
Health insurance for minors comes with a waiting period in health insurance for certain treatments and pre-existing conditions. Make sure you understand this duration, so you're not caught off guard during the initial policy months.
Add-On Options
Look for add-on covers in health insurance like critical illness riders, wellness programs, consumable covers, etc. Add-ons can make your child’s policy comprehensive with better coverage.
Inclusions & Exclusions
Every policy has some limitations like getting certain treatments, or OPD services may not be covered. Reviewing these early helps avoid surprises during claims and ensures the policy fits your child’s health needs.
Premium Amount
A cheaper premium doesn’t always mean better. Check if the premium charge is up to the coverage provided. You can check multiple insurers with the same coverage to know the premium amount.
Claim Settlement Ratio & Process
Choose an insurer with a high claim settlement ratio and a simple, transparent claim process. The easier and quicker the claim procedure, the more easily your child will get the medical support they need without unnecessary stress.
Long-Term Renewability
Since children’s health needs change as they grow, ensure the policy allows lifetime renewability. This removed the risk of losing coverage later due to age limits or health issues.
Do’s and Don’ts for Parents When Buying/Adding Their Child to Health Insurance
Sometimes, selecting children health insurance can become a hectic task. Understanding what to do and what to avoid can make the process easier. Here are the do’s and don’ts parents must consider while buying Health Insurance for kids:
Child health insurance is a promise of protection, comfort, and security for your child’s future. With children being more vulnerable to illnesses, infections, and unexpected medical emergencies during their growing years, having a comprehensive health insurance plan ensures they always receive the best medical care without any financial stress.
By choosing the right plan early, you can lock in lower premiums, enjoy broader coverage, and build a long-term safety net that grows with your child.
After all, a healthy childhood builds the foundation for a fearless tomorrow.
FAQs about Child Health Insurance Plan
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Senior Marketing Associate
Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.
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Chief Marketing Officer
Vivek comes with over 15 years of experience across different industries like FMCG, e-commerce and insurance. His expertise in the online space and consumer behaviour understanding is bringing new insights to Digit in making insurance simple.