How can I get health insurance for my child
There are many health insurance plans that will include coverage for a child or dependent of the policy holder. Health insurance provided by employers will typically afford coverage to the employee's dependents; this can include the employee's spouse and dependent children. Health insurance plans purchased by individuals can also include coverage of dependents, however the policy holder will need to register each of these dependents onto the plan separately. Certain conditions are normally applied by health insurance companies when enrolling dependent children onto a plan, and these terms will usually vary from insurer to insurer.
Health insurance companies will normally apply certain terms and conditions when enrolling a child onto a plan. For example, the age of the child is an important factor. Parents can enroll children up until 18 years of age, but this age limit can be extended (for example to 21 years) if the dependent child is studying. Newborn children are usually required to complete a waiting period until they can apply for enrollment. This period is usually around 90 days after birth but will also vary among insurers.
Parents who are looking for immediate cover of their newborn children, can opt for a 'newborn child benefit' which is offered by some health insurance providers. The policy holder can select one of two options: a 'free benefit' or 'born into the plan'. The 'free benefit' option will immediately cover the newborn child at birth, but for a fixed period only. This period will usually differ among insurers but will typically be around three months or so. A 'born into the plan' option will immediately cover a newborn child at birth, with no fixed period on coverage, however this option will have a higher impact on the policy holder's premium.
The best way to ensure your child is covered is by purchasing a family health insurance plan or a children's health insurance plan. Pacific Prime can offer a large range of family health insurance plans for those living in any country worldwide. Family health insurance plans will typically include inpatient and outpatient cover with the option to select various medical benefits such as maternity, optical, and dental cover. While a family health insurance plan is designed for individuals and their dependent children, a child health plan will include coverage for the child only. A child health plan will include similar benefits to a family plan, but will not provide coverage for the policy holder parent.
There are a large range of family health insurance plans available. Local family plans will typically include coverage within the residential country area whereas an international health insurance plan will typically extend medical coverage to any country worldwide. An international health insurance plan can be particularly beneficial to families as they can have access to the best treatment available worldwide. For example, if a high level of medical treatment is not available in their local country area, an international plan will enable families to ultimately select the hospital and country in which they wish to receive treatment.
Pacific Prime can assist you in finding the right health insurance plan for you and your family. For more information on Family Health Insurance Plans or to receive a free global health insurance quote, please contact one of our dedicated advisers today.
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