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/Newborn Baby Cover
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What is Newborn Baby Cover in health insurance?
Automatically adds your newborn baby to the policy from the day of birth, covering any medical care the baby needs right away - including NICU admission. Without this, any immediate health issues for the baby would be out of pocket.
Also called: new-born cover · infant cover · newborn baby insurance
Every plan, ranked11 · 3 strong · 2 standard · 1 limited · 5 not covered
Star HealthStrongStar ComprehensiveUp to ₹1 Lakh per year
Strong
Your newborn is covered from the day of birth for any disease, illness or accidental injury, congenital disorders included, up to ₹1,00,000 - ₹2,00,000 if your cover is ₹50,00,000 or more. These claims do not reduce your Sum Insured. The cover starts only if the delivery claim itself is admitted, which needs 24 months of policy behind it.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Newborn waiting periodsStandard waiting periods waived for the newborn
Newborn expense limitUp to ₹1 Lakh per year
Coverage Starts from Day of Life1 day
Reduces Main Sum InsuredNo
Watch out
Vaccinations for the baby are paid up to ₹5,000, or ₹10,000 if your cover is above ₹25,00,000, until the baby turns one. On a policy longer than one year the newborn cover stops at the policy anniversary. To keep the baby covered after that you add it to the policy, and the baby's own waiting periods then run from the date it is added.
Star HealthStrongStar Health AssureUp to ₹2 Lakh per year
Strong
Your newborn is covered from Day 1 of birth, including congenital disorders, up to ₹2,00,000 on sum insured of ₹25,00,000 and below, and ₹4,00,000 above that. The pre-existing, specified-disease, 30-day and congenital-external waiting periods do not apply to the baby. Cover starts only if a delivery claim is paid or the mother has been covered for 12 continuous months.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Newborn waiting periodsStandard waiting periods waived for the newborn
Newborn expense limitUp to ₹2 Lakh per year
Coverage Starts from Day of Life1 day
Reduces Main Sum InsuredYes
Watch out
If no delivery claim is paid and the mother has been covered for less than 12 continuous months, the newborn gets no cover at all. A NICU admission in the first weeks is then paid entirely by you.
Star HealthStrongSuper StarOptional - Up to ₹2 Lakh per year
Strong
The baby is covered from Day 1 of birth to the end of the Policy Year, but only if you bought the Maternity Expenses cover and a delivery claim is paid, or the mother has been covered for 12 months without a break. The limit is Rs.2,00,000 a year up to a Rs.25,00,000 Sum Insured and Rs.5,00,000 above that, in addition to your Sum Insured.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Newborn waiting periodsStandard waiting periods waived for the newborn
Newborn expense limitUp to ₹2 Lakh per year
Coverage Starts from Day of Life1 day
Reduces Main Sum InsuredNo
Watch out
Without the Maternity Expenses cover or Women Care, a baby can only be added mid-term and the cover starts on the 91st day of birth. The first 90 days are when a newborn is most likely to need hospital care, and you pay those bills from your own pocket.
ICICI LombardStandardElevateOptional - Up to ₹2 Lakh per year
Standard
Your newborn gets its own cover for the first 90 days, but only if you bought a maternity optional cover and a maternity claim was paid. The amount is twice your maternity limit, capped at ₹2,00,000, and it is paid on top of your Sum Insured, not out of it. A separate optional cover pays first-year vaccinations up to ₹10,000.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Newborn expense limitUp to ₹2 Lakh per year
Coverage Starts from Day of Life1 day
Reduces Main Sum InsuredNo
What the baby's cover depends onOnly when this plan pays the delivery claim
Watch out
The 90 days count from birth, not from admission, so a NICU stay that begins late in that window stops being paid on day 91. The cover is switched on by an accepted maternity claim, so it depends entirely on the delivery claim going through.
Care HealthStandardCare SupremeOptional - Covered up to full Sum Insured
Standard
The base plan does not cover a newborn. You can buy the New Born cover optional benefit, which lets you add the baby to the policy from day 1 and share the family sum insured. Every waiting period still applies to the baby, so the 30-day initial wait and the longer named-ailment and pre-existing waits run for the newborn as well.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Newborn waiting periodsStandard waiting periods still apply to the newborn
Newborn expense limitCovered up to full Sum Insured
Coverage Starts from Day of Life1 day
Reduces Main Sum InsuredYes
Watch out
No waiting period is waived, so a baby admitted to NICU in the first 30 days of a new policy gets nothing paid. A week in NICU can cost ₹3,00,000 or more, and you pay it from your own pocket.
Star HealthLimitedFamily Health Optima10% of Sum Insured, up to ₹50,000
Limited
Your newborn is covered from the 16th day after birth until the policy expires, up to 10% of the Sum Insured or Rs.50,000, whichever is less - so Rs.50,000 at every Sum Insured this plan sells. The mother must have held the cover for 12 unbroken months, and the payout comes out of the family's Sum Insured.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Newborn waiting periodsStandard waiting periods still apply to the newborn
Newborn expense limit10% of Sum Insured, up to ₹50,000
Coverage Starts from Day of Life16 days
Reduces Main Sum InsuredYes
Watch out
The first 15 days of your baby's life carry no cover, and after that Rs.50,000 is the ceiling for anything that is not an internal congenital condition. You pay the rest of a newborn hospital bill from your own pocket.
HDFC ERGONot coveredOptima RestoreNot in this plan, and not sold as an add-on
Not covered
Optima Restore has no newborn cover. The policy defines a New Born Baby as a baby up to 90 days old but attaches no benefit to it, and a child can only be insured from 91 days. A baby's first 90 days, including any intensive care, are paid by you from your own pocket.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
A premature baby who needs intensive care in the first 90 days has no cover here. You pay the whole neonatal bill from your own pocket.
Care HealthNot coveredCare AdvantageNot in this plan, and not sold as an add-on
Not covered
Care Advantage has no newborn cover. The youngest age it insures is 91 days, and only on a family floater; on an individual policy the minimum entry age is 5 years. So a baby's first 90 days carry no cover, intensive care included.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
A baby who needs intensive care in the first 90 days has no cover under this policy, so you pay that hospital bill from your own pocket. Even after the baby is insured, treatment for an external congenital anomaly or an external birth defect stays permanently excluded.
Aditya BirlaNot coveredActiv One · VYTLNot in this plan, and not sold as an add-on
Not covered
This plan does not cover a newborn from birth. On a family floater a child can be added only after completing 90 days, and on an individual policy only from age 5. Any hospital care the baby needs before then, including a premature birth or an NICU stay, is paid from your own pocket.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
A baby cannot join the policy until it completes 90 days, so every hospital bill in those first three months is paid by you.
HDFC ERGONot coveredOptima Secure · Optima-SelectNot in this plan, and not sold as an add-on
Not covered
This product has no newborn baby cover. There is no benefit that puts your baby on the policy from the day of birth, and no cover for NICU care in the first weeks. A child can be added as an Insured Person only from 91 days of age, which is enrolment, not day-one cover.
Coverage detailstap any row to understand it
How it's coveredNot covered
Niva BupaNot coveredReAssure 3.0 · ClassicNot in this plan, and not sold as an add-on
Not covered
There is no newborn cover in ReAssure 3.0. A child can only join the policy from 91 days of age, so a baby's first three months are not insured, including a NICU admission straight after birth. Treatment for an external congenital anomaly is separately excluded at any age.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
A NICU stay in the first days of life is the biggest newborn cost, and this policy pays none of it because the baby cannot be covered before 91 days.
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