Health Insurance For Children

Protect your children from medical emergencies with a secure child health insurance plan.

What is Health Insurance for Children?

Protecting children during medical emergencies is a concern for every parent. Health insurance for kids lets you deal with medical bills and protects your savings. A good health insurance plan serves as a safety net during emergency situations. There are two ways to go about medical insurance for children.

You can get a family insurance plan that will cover your family including your children. Alternatively, you can get special medical insurance for children. Although the Government offers public medical insurance, you can sign up for private medical insurance for children with NAVI healthcare. It comes with pre and post-hospitalisation benefits, discounts, cashless transactions, newborn baby benefits and more.

Features and Benefits of Health Insurance for Children

Features and Benefits of Health Insurance for Children

There are a host of benefits to purchasing a medical insurance plan for children. Here is what Navi’s health insurance for children provides to facilitate seamless medical care:
Navi has 10,000+ network hospitals. You can opt for cashless claims. You do not have to pay anything from your pocket.
From purchasing the health insurance plan to claims – the entire process is online. Just download the Navi app and purchase Navi Health Insurance.
Get rewarded with a cumulative or No Claim Bonus for every claim-free year. For example, if you don’t file any claims for any of your family members in a policy year, a percentage of the insured amount gets carried forward to the next policy year.
Get an additional sum insured in case of an accidental injury due to a road accident. Navi’s children’s medical health plan provides an additional sum of money for inpatient treatment.
Get automatic restoration of up to 100% of the base sum insured as specified in the policy document in a policy year.
Navi’s medical insurance for children offers insurance coverage starting from Rs.2 lakhs going as high as Rs.1 crore. EMIs start at just Rs. 235 per month.
Get a 5% discount on your premium upon renewal of your policy if you walk an average of 4000 steps each day for at least 250 days.
*Terms and Conditions Apply

Health Insurance Policy Inclusions

100% Hospital Bill Covered

100% Hospital Bill Covered

We cover your entire hospitalisation bill along with other related medical expenses from 90 days before to 180 days after hospitalisation

Pre and Post Hospitalisation

Pre and Post Hospitalisation

With Navi Health Insurance Plan, you get comprehensive medical coverage 90 days before hospitalization and 180 days after

Hospitalisation at Home

Hospitalisation at Home

Get medical treatment at home for 3 or more days due to patient’s adverse health condition or unavailability of hospital bed

Unlimited Online Consultations

Unlimited Online Consultations

You can get unlimited online doctor consultations with the top doctors of the country at to additional cost

Additional 100% Sum Insured for Accidental Injury

Additional 100% Sum Insured for Accidental Injury

For road accident injuries, we provide additional 100% sum insured once existing sum insured amount is exhausted

Organ Donor Expenses

Organ Donor Expenses

We cover organ donor’s hospitalisation cost

Air Ambulance

Air Ambulance

Get up to ₹5 Lakh for emergency transfer via air ambulance

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

New Born Baby Benefits

New Born Baby Benefits

Hospitalisation expenses of up to ₹10,000 for newborn baby within 90 days of birth

Health Insurance Policy Exclusions

Dental Treatment

Any planned dental treatment is not covered under the health insurance plan

Eye Treatment

Any planned eye-treatment is not covered under the health insurance plan

Alcoholism/Drug

Any health complications caused by alcoholism or drug abuse aren't covered under the health insurance policy.

Alcoholism/Drug

Why Do You Need Health Insurance for Children Policy?

It is imperative to have medical insurance for children to protect your child in any unforeseen medical emergency.
Here’s the list of benefits you can avail:

Gain Financial Protection

A medical emergency can take a toll on anyone’s finances. To avoid situations like these, you must have insurance for your children that helps you save money on any sort of medical expenses

Get Your Child The Medical Attention They Need

Private medical insurance for children guarantees every benefit and help your child may need during an unprecedented medical issue. Insurance becomes beneficial with saving money and helping your child get what they need.

Affordable Premiums

An insurance policy will make sure that you never have to pay anything out of your own pocket once you have registered for it. It also ensures that you don’t pay any extra amount and offers a lot of premiums and discounts on all sorts of insurance plans.

Tax Benefits

Under Section 80D of the Income Tax Act, you can claim a tax deduction of up to Rs.50,000 if you purchase health insurance.

Protection Against Lifestyle Diseases

We are exposed to diseases that can occur due to a change in our daily living- and a child is no exception to that. A health insurance plan for children will provide protection from such illnesses.

How to Buy Health Insurance for Children

If you are looking for the best health insurance policy for children, Navi’s Health Insurance should be your choice. With affordable premiums and cashless claims, Navi strives to offer you the best features. Just download the Navi app to sign up.

Follow the steps below to buy Navi Health Insurance:

Download the Navi app from Play Store or App Store
Our insurance advisor would ask you a few simple questions
Get an instant quote based on your personal and health details
You have the option to pay your insurance premium in EMIs starting at ₹235 per month
Get instant access to all policy-related documents

Features and Benefits of Health Insurance for Children

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Claim for Health Insurance for Children

How to File Claim for Health Insurance for Children

Listed below are the necessary steps you need to take to file both cashless claims and reimbursement claims for your desired insurance plan:
  1. Select your admittance date
  2. Visit your nearest Navi network hospital
  3. Look for the insurance help desk and give them the following details:
    • Insurer – Navi General Insurance
    • TPA – Medi Assist
  4. For reference, keep your policy documents and ID proof handy
  1. Select date of admittance and hospital
  2. Upload all the required medical documents on the Navi app
  3. Use the claims tracker to track your claim
  4. Get notified once your claim is approved

How to Choose the Right Insurance for Yourself?

Sum Insured

Considering the rising medical costs, try to buy a policy that provides adequate cover. A policy with a low coverage amount may not be sufficient for you and your family. Navi Health Insurance offers health cover up to Rs.1 crore*

Cashless Settlement

Insurance companies have tie-ups with hospitals, commonly known as network hospitals. Check if your insurer provider has a long list of network hospitals. You can get cashless claims in 10,000+ network hospitals with Navi Health Insurance

Claim Settlement Process

Every insurer looks forward to a hassle-free claim settlement process and every quality insurance company strives to maintain an excellent claim settlement ratio. With Navi Health Insurance, claim settlement is a breeze

Affordable Premium

There should be a balance between insurance cover and premium. Considering affordability as a major factor, we have introduced insurance premium payments in EMIs. Our insurance premium EMIs start at just Rs.235/month*

Know Your Requirement

Your requirements can include the sum insured, how many members you are planning to add, the ailments you want to be covered, etc. Understand your requirements and purchase a policy to maximise on policy benefits

Waiting Period

Waiting period is the time span during which you cannot claim some or all of the benefits of your policy. It is crucial to know the waiting period for various ailments mentioned in your policy to make an informed decision.

Top Hospitals In Cities

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Manipal Hospital

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Apollo Hospital

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Fortis Hospital

Max.8013c6e1

Max Healthcare

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What our customers say about us

My whole claim experience was hassle free & very good, both during admission and discharge time. I have already recommended Navi Health Insurance to many friends & will continue doing so.
The best thing about Navi Health insurance was completely paperless buying experience and great customer support. I found Navi health insurance to be most affordable policy with amazing benefits
I was happy with the overall claim experience. Most important part was it was cashless and I got quick response by Navi team. Will definitely recommend Navi Health Insurance to family and friends!

Frequently asked questions

Health Insurance policies differ according to the policy that you sign up for. At Navi, health insurance plans start with an EMI of Rs.235 per month. You can choose your desired policy based on your financial sustainability, and insurances at Navi can provide you coverage of as high as Rs.1 crore.
You can work your way around both. In a family plan, costs are lower since all members are covered in a single plan. But an individual plan focuses on the specific member and their medical issues. If your child suffers from frequent medical issues, an individual plan for your child will be a great choice.
The Navi child health policy allows you to enrol your 90-day-year-old child. The dependent child in the policy can be enrolled in the policy until they are 30 years old. You can renew your policy, cancel it and assign your child a new policy at any time without having to go through any difficult processes. For example, if you have an insurance policy that covers your child until 15 years of age you can sign up for a new, different policy after it expires.
The deductible is basically the amount of money you have to pay as the policyholder yourself before making an insurance claim. Only after you pay the deductible amount will your insurance company pay the claim directly to you or the concerned hospital. Thus, the insurance company will cover the claim only if it is over and above the deductible.
Before assigning health insurance for kids, you should always check with the company regarding the history of existing and pre-medical conditions. If your child has a medical condition present at birth or has had some previous medical condition. In that case, there are a lot of different benefits and offers your child can avail via insurance, both privately and publicly.
A single Navi health insurance policy doesn’t allow more than two adults in a single policy. In a family plan, however, you can insure yourself, your spouse, your parents or in-laws and your dependent child until they are 18 years of age. You can sign up for different policies for yourself and your wife, your parents, in-laws and your child since different policies will better suit the individual’s needs.

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