Having a health insurance policy helps ensure that children get quality treatment in times of need without having to worry about medical expenses. The policy covers expenses like surgeon’s fees, hospital room rent, treatment expenses and ambulance costs.
Along with celebrating Children’s Day on November, as parents we are most concerned about the safety of our children. However, despite our best efforts we are not able to protect them all the time. When they get injured or contract any disease, they need immediate treatment.
In such a situation, it is our duty to ensure that they get better treatment. This is possible only if the health insurance policy includes coverage for children. For this, family floater plan can prove to be a better option. In this you can include children along with your wife.
Coverage is therefore necessary
People believe that children have a stronger immune system. They have less health related problems. But, this assumption is not correct. In fact in the early years children do not have as strong an immune system as adults. They are easily vulnerable to infections or minor illnesses, which can quickly turn into serious health problems. Protecting them from any such possible harm is possible only when you have a health insurance policy for children.
Better treatment without burdening the pocket
Having a health insurance policy helps ensure that children get quality treatment in times of need without having to worry about medical expenses. The policy covers expenses like surgeon’s fees, hospital room rent, treatment expenses and ambulance costs. It helps in dealing with medical emergencies without putting a burden on the pocket.
Child gets cover till 25 years
In a family floater policy, children are covered up to the age of 25 years. After this the child is separated from this policy. After this, a separate policy has to be taken for them. It is worth noting that in a family floater policy, it largely depends on the age of the insured. The premium is determined on that basis.
Opportunity to make children financially literate
Bhaskar Nerurkar, Head, Health Administration, Bajaj Allianz General Insurance says insurance is not just a matter of financial security but also an opportunity to teach children about financial planning. You can make them financially literate from an early age by telling them about the benefits of health insurance.
