In 2023, the newborn rate in India was 16.949 births per 1000 people where we can imagine how new parents seek newborn babies' insurance to secure their financial expenses including Pre and Post hospitalization. Ensuring the newborn baby is handled with care and proper medication from the hospital.
Having a new baby is super exciting, but it also means taking care of their health right from the beginning. That's where newborn health insurance comes in! Let's talk about why it's important and how it can help you and your little one.



What is Newborn Health Insurance?

It's a special kind of insurance that helps cover things like doctor visits, vaccinations, and other medical stuff for your newborn. This way, you can give your baby all the care they need right from the hospital. If you are a new parent and searching for the best health insurance policy for newborn infants in India. Let’s find the most suitable option for you!

Best 5 Health Insurance for Newborn 2024, India

1. Tata AIG Medicare Premier Plan



Age Range

91 days to 65 years

Coverage Duration

1,2, or 3 years

Coverage Type

Floater basis for Individuals/families

Family Coverage

Up to 7 members

Maternity Coverage

Up to INR 50,000

Newborn Baby Coverage

Up to INR 10,000


Comprehensive, No sub-limits

2. Max Bupa Heartbeat Platinum 



Maternity Coverage

INR 35,000 for caesarean deliveries

Newborn Babies

Medical Expenses and immunizations for 90 days

Waiting Period

72 months

Postnatal Complications

Covered under maternity benefits

Mandatory Vaccinations

Covered under newborn coverage


No unfair terms or hidden clauses

3. Niva Bupa Heartbeat Platinum



Coverage Extent



From delivery to end of policy year

Newborn Coverage

Individually insured up to policy amount

Maternity Coverage


Vaccination Coverage

Until the baby turns one-year-old

Premium Cost

Higher than other plans

4. Royal Sundaram Lifeline Policy



Coverage Type


Newborn Coverage

25% of Insurance Amount

Maternity Insurance


Vaccination Coverage

Up to INR 10,000

Duration of Coverage

Until the policy expiration

5. Manipal Cigna ProHealth Plus

Coverage Options



  • Comprehensive coverage for medical expenses
  • Coverage for newborn and first-year immunizations
  • Sum insured options ranging from INR 2.5 lakh to 1 crore.
  • Minimum age for admission: 91 days old.


  • Enhanced coverage includes additional benefits.
  • Coverage for essential healthcare needs for newborns and children
  • Flexible sum insured options tailored to your family's requirements.
  • Minimum age for admission: 91 days old.


  • Extensive coverage for all medical expenses
  • Comprehensive coverage for newborns, including immunizations during the first year of life.
  • High sum insured options ensure financial security for your family's healthcare needs.
  • Minimum age for admission: 91 days old.

Choosing the right health insurance plan for your baby, look for one that fits your family's needs and budget. Ensure it covers doctor visits, hospital stays, and any special care your baby might need.

Checklist For You Before Choosing the Right Health Insurance Plan for Newborn Babies

  • Coverage Options: Ensure the Newborn Baby's Health insurance plan covers essential medical expenses, including hospitalization, doctor visits, vaccinations, and specialised care such as neonatal intensive care unit (NICU) charges. Check if the plan offers coverage for pre and post-hospitalization expenses, as well as outpatient services.
  • Sum Insured: Determine the sum insured amount that best suits your family's financial situation and healthcare needs. To avoid unwanted situations. Consider factors such as inflation and potential medical costs when selecting the sum insured.
  • Network Hospitals: Check the list of network hospitals associated with the Newborn Baby Health insurance provider to ensure convenient access to quality healthcare facilities for the little one.
  • Premium Costs: Compare premium costs of medical insurance for newborn babies to find one that offers comprehensive coverage at an affordable price. Consider any additional costs such as deductibles, copayments, or coinsurance.
  • Waiting Periods: Understand the waiting periods associated with the insurance plan, including waiting periods for specific treatments or pre-existing conditions.
  • Add-On Benefits: Explore more optional add-on benefits offered by the various medical insurance providers, such as maternity coverage, wellness programs, or critical illness coverage for newborns.
  • Policy Renewal: Check the renewal terms and conditions of the chosen policy, including the process for renewing coverage, premium adjustments, and any changes in coverage or benefits.
  • Exclusions: Review the list of exclusions to understand what medical treatments or conditions are not covered by the insurance plan.
  • Claim Process: Understand the claim process, including documentation requirements, claim submission procedures, and turnaround time for claim settlement.
  • Customer Service: Let us know if you need customer service and support, You can connect with us or call your insurance provider company for further accessibility, you will receive responsive, and reliable services for sure.

By considering these factors and conducting thorough research, you can make an informed decision when purchasing newborn baby health insurance and ensure your little one receives the best possible care.


A healthy baby is a happy baby!

Getting health insurance for your newborn is one of the best things you can do for them. It helps keep them healthy and happy without stressing about finances. So, take the first step in giving your baby a strong start in life by comparing the best coverage options and buying the most suitable newborn baby medical health insurance they need. After all, we all live for our loved ones and we believe health insurance is the best way to express your love towards your family. 

FAQs - Frequently Asked Questions

Q1. Why is Newborn Health Insurance Important?

Newborn Health Insurance ensures that your baby receives timely medical care and treatment from birth, without worrying about financial expenses. It provides peace of mind to parents and ensures the best possible start in life for their little ones.

Q2. How Can I Choose the Best Health Insurance Plan for My Newborn?

You can connect with our customer service before choosing the best health insurance plan for your newborn baby or you can explore more options by visiting our website to compare the quotes and choose suitable Insurance.

Q3. When Should I Buy Newborn Baby Health Insurance?

It's recommended to buy newborn baby health insurance as early as possible, ideally before the baby is born or shortly after birth. This ensures that your baby is covered from the very beginning and can receive timely medical care if needed.

Q4. Is It Necessary to Buy Newborn Baby Health Insurance Immediately After Birth?

While it's not mandatory to buy newborn baby health insurance immediately after birth, it's advisable to do so to avoid any gaps in coverage. Early purchase ensures that your baby is protected from unexpected medical expenses right from the start.

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