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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
Star Health
Star Comprehensive
StandardKey for Families
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.
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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 Health
Super Star
StandardKey for Families
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.
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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.
Star Health
Star Health Assure
StandardKey for Families
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.
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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.
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