Essential Health Insurance Plans for Newborn Babies in Bangalore
Bangalore is one of the top metropolitan cities in India. Its population has grown rapidly over the last few decades, and as a result, there has been an increasing demand for quality healthcare services in Bangalore. Having the right health insurance plan in Bangalore is essential to meet the rising medical costs and ensure that your family, especially your newborn baby, gets the best treatment.
Health Insurance Plans for Newborn Babies in Bangalore
Bangalore is home to some of India's best paediatric hospitals and childcare specialists. However, quality healthcare these days comes at a steep price. Hence, buying a dedicated health insurance plan for your newborn within 90 days of birth is essential.
You can look for top insurers like ACKO that offer tailored plans for babies with ample coverage of around INR 3-5 lakhs. You could also opt for family floater plans covering your entire family for economic premiums. The key benefits to look out for in the plan include child vaccinations, regular check-ups, and hospitalisation bills covering illnesses and injuries. You could also look for features such as pre-and post-natal care of the mother and the baby, ICU charges, and other related critical care requirements.
Importantly, you should only pick insurers with a strong hospital network in Bangalore. Moreover, check if the hospitals are equipped with advanced neonatal ICUs. Selecting an insurer that offers fast claim processing, lifetime renewability, and income tax rebates is always advisable. Investing in a comprehensive, feature-rich health insurance plan for your baby in the early days ensures a complete financial security net for your family and peace of mind in the event of any medical emergencies.
Factors to Consider
When looking for health insurance in Bangalore for your newborn, consider the following important factors.
Coverage Amount: Opt for a health insurance plan with sufficiently high coverage. INR 3-5 lakhs should be the ideal amount to cover hospitalisation charges and other expenses for your baby. Consider family floater plans that cover your entire family under one sum insured. These plans can be more economical.
Add-On Benefits: You should look for insurance plans that cover child vaccination expenses and hospitalisation bills in the event of illnesses or accidents. Top insurers such as ACKO also offer other benefits such as pre-and post-hospitalization coverage.
Network Hospitals: Ensure the insurer has empanelled a good list of hospitals in Bangalore. neonatal ICUs and child specialists to provide quality care for babies and children.
Claim Settlement: Check insurers' claim settlement ratios and the process followed. Opt for insurers like ACKO, which is known for having smooth and faster claim settlements.
Key Benefits
Some key reasons why you need dedicated health insurance for newborn baby are:
Low Premium: The premium for health insurance plans for babies is the lowest, making payments very affordable.
Comprehensive Coverage: Comprehensive health insurance for your baby covers regular checkups, vaccinations, hospitalisation, and ICU requirements.
Hassle-free Claims: Insurers like ACKO settle claims faster which is vital when your baby needs urgent care.
Lifelong Cover: Purchasing health insurance at birth ensures that your baby is covered throughout his/her childhood and youth.
Tax Benefits: The premium that you pay is eligible for tax exemption under Sec 80D of the Income Tax Act, 1961.
Conclusion
In summary, health insurance is absolutely essential for newborn babies in a city like Bangalore. You should opt for a comprehensive health insurance plan from a trusted insurer like ACKO. Get the best coverage for your bundle of joy with ACKO.
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