The child's health and well being is one of the primary concerns of all the parents. The parents do anything and everything to ensure the good health of their child, but, children are very sensitive and fragile and they are highly susceptible to many diseases. So, you have to take your child to the doctor for consultation and keep them on medicine for the prescribed period. Children are also prone to serious illness as in adults, or they can be met with accidents, in such cases it would require a number of consultations and tests whereby the expenses can get really high. This can be a bit hard on you if your child is not insured.
Family insurance providers presents plan by which the health of the whole family is insured. The child's health insurance is also covered by this plan. The benefits from the family insurance are mostly limited to very small range of diseases and the premium are very high. Child only health insurance scheme are also provided by many private and public insurance companies. These are insurance coverage for your child's health. It covers the expenses due to accidents and many pre specified ailments.
The child health plan also includes preventive care through routine immunization and routine checkups. These insurance either pays the complete hospital bills or make it affordable. The coverage provided depends on the premium and plan opted. It is recommended to insure your child's health as children fall ill very often.
While choosing the insurance plan for your child, you should always be aware of your needs and the premium you can afford. The insurance plan quotes of different company and different plans should be carefully studied before choosing a plan. The diseases covered and the insurance amount would vary in each plans. The plan should be choose such that it suits you and your child the best both long term and short-term.
The Childs support health insurance is also available which see to the well being of the child and provides financial health at different stages of their life. The child life insurance policies are also available; here the life of the child is insured. The child is not benefited much from these policies as the insured amount is received after the child's death. And the insured amount can be used to aid in funeral proceedings.
Most financial advisors think it to be a waste of money to invest in child life insurance policies and they say it is better to invest the same account in the bank account for the child's future. But some child life insurance policies do cover diseases and inborn error and some may insure you even after the age of 18.
The child's oral health can also be insured. The child dental insurance provides free or affordable coverage on dental procedure expenses. Normal health insurance policy may cover some dental conditions but dental coverage on expensive procedure is not given. Tooth decay and other teeth related problem occur more in children. Thus, it is also included in child's diseases. So, it is wise to insure your child's oral health. The dental insurance provides preventive care which includes routine oral checkups and cleaning to reduce the chance of bigger problems. Some low premium does not cover cosmetic dental procedure. Some schools provide dental insurance for its students and its premium are collected along with the monthly school fee. Such dental insurance have relatively lower premium than the stand alone dental insurance policy.
The department of health otherwise free insurance for children with very low family income, such insurance provided to the needy are called Medicaid. It is a welfare program given to children below 19 years who does not own any other life insurance. To be eligible to get Medicaid insurance the child should be resident of the state. If the family income is higher than prescribed for Medicaid the child can get the child health plus insurance plan. The health care is made free or affordable in this plan taking into account the number of family members and the total house hold income. Either the parents or the grant parents can register their child in the child heath plus plan and almost all type of inpatient and outpatient services are provided.
Insuring your child's health is always a safe decision as you can never foresee the health related complications or accidents which may arise in the future. Seeing your child suffer is always heart breaking, insurance can never relieve their suffering. But it can always help you to give quality care at this time.