New parent’s guide to Zurich Kotak Health insurance: welcoming a newborn

A new baby brings immense joy and happiness to your family and quickly becomes the apple of everyone’s eye. And since she becomes the most precious member of the family, you want to do everything in your power to ensure she stays happy and healthy at all times. A good way to ensure this happens is by getting an infant health insurance coverage. You can opt for such coverage from Zurich Kotak General Insurance and keep your newborn safe. Read on to know more.

Health insurance options for newborn babies

As a parent, it is your duty to ensure your baby has health coverage from day 1 of her life. Here are some options you have in regard to insurance for newborn:

Comprehensive health plan

There is an option for maternity benefits under all leading comprehensive plans. If you opt for this benefit, you can get health insurance for newborn as well. However, these benefits start after a waiting period, so you have to get the plan in advance if you wish to have babies in a few years’ time.

Maternity insurance

There are standalone maternity benefit plans that also offer health insurance for newborn. These plans cover all the expenses related to pregnancy and childbirth, including newborn care. Everything from the delivery to the vaccines is covered under such special health insurance plans.

Corporate cover

Most employee-provided group health insurance plans also have a maternity coverage benefit. If you are enrolled in a corporate group health insurance policy, you may be able to make a claim for any pregnancy and childbirth-related expenses. However, these covers are temporary as you may lose the insurance as soon as you leave your job. To ensure your baby stays protected at all times, enrol her in the family floater health insurance plan as soon as she is born.

Benefits and covers available

You can expect to get the following covers when you opt for medical insurance for newborns:

Newborn care

All expenses related to the newborn baby and the mother are covered under these plans.

Pre/post-natal expenses

If your baby needs any special medical care after birth, such as an NICU stay, you can get coverage for it.

Vaccines

A set number of post-birth vaccines are covered under these health insurance plans. You can get reimbursed for the expenses incurred during the vaccination of the newborn.

Extended coverage

After the birth of the child, you can get her enrolled in your family floater comprehensive health insurance plan and she will become one of the active members under the policy. Apart from receiving immediate newborn health care benefits, your child will be eligible for all the standard covers available under the comprehensive plan for the entire duration of the coverage.

Conclusion

As you can see, there are many options when it comes to getting medical insurance for newborns. Opt for plans from a reliable insurer like Zurich Kotak Health insurance and keep your precious little one safe and healthy at all times.

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