Health insurance is just as crucial for children as it is for adults. The body’s mechanisms differ in the developmental age of infants and children; They have thinner skin, less fluid retention in their bodies, and tend to spend more time playing and putting things in their mouths, unaware of how to take care of themselves.
Consequently, these things increase the possibility of their exposure to severe infections and diseases such as viral infections, pneumonia, jaundice, and diarrhea. Some children suffer from allergies and other chronic health conditions that may require intensive care at regular intervals.
The health and well-being of children is a priority for parents. In light of the high cost of health care, visits to doctors and hospitals may be expensive, which may cause financial problems for the individual, and therefore, health insurance programs for children become a must.
These medical programs are designed to cover a wide range of diseases and annual check-ups until the child reaches 18. They help parents protect their children’s medical expenses without worrying about the costs.
Why is it so important to have health insurance for children?
Here are some reasons why parents should consider protecting their children’s health with insurance:
Appropriate medical care – Children need special care during their developmental stages, such as timely immunizations and regular medical check-ups. A children’s health program can help parents cover the costs of this medical care.
Increased susceptibility to disease – the human immune system continues to grow until adolescence. Thus, people in this age group are vulnerable to health problems and infectious diseases that require serious medical attention. Therefore, child health programs are essential to deal with such unexpected expenses.
Expensive Dental Care – Children injure their teeth while playing or riding a bicycle. Insurance policies with dental facilities cover expenses incurred due to these injuries.
Hospitalization without the insured having to pay any amount to the hospital – The health insurance policy guarantees access to affordable child health care through partnerships with reputable hospitals and providing hospital facilities within the network without the insured having to pay any amount.
Comprehensive growth – Regular check-ups under the health insurance policy can monitor the overall development of children of all age groups and identify diseases for timely treatment.
Advantages of buying children’s health insurance
Purchasing health insurance for children ensures that they get the best medical care in case of health emergencies. Buying health insurance for children online is simple and offers several benefits that include:
Comprehensive health coverage – Children’s health insurance programs provide broad coverage, starting from the first day of a newborn, covering hospitalization fees, infant immunizations, and more.
Convenient installments – Child health programs usually involve lower premiums as they are designed to cover a limited range of services, such as immunizations, preventive care, and dental care, which are generally less expensive. In the same vein, insurance premiums depend on the insured’s age, and since child health coverage begins at an early age, insurance premiums are usually low cost as well.
Additional benefits – Infant health programs often provide expert counseling and advice on diet and nutrition and universal health coverage.
No Claim Bonuses – Some newborn health plan providers may offer a discount on policy renewal if no claims were made during the previous policy period.
Financial support – Child Health Coverage provides financial support, reducing the burden of-increased health care costs.
Ease of Purchasing – Purchasing health insurance for a child online in the age of digitization is effortless; the process is simple, and one can compare programs to buy the most suitable health insurance for his children.
Factors to consider when choosing children’s health insurance.
Here are some of the critical factors to consider when choosing children’s health insurance:
Coverage – Ensure that the health insurance program covers the child’s medical needs, such as routine check-ups, immunizations, hospitalization, and emergency care.
Hospital Network – Checks if the insurance company has a network of healthcare providers in the area where the insurance company is located, including pediatricians and hospitals.
Cost – Consider the premiums, deductibles, and co-payments associated with the program, and make sure they fit within the stipulated budget.
Pre-Existing Conditions – If your child has a pre-existing condition, ensure the specific health plan covers it without any waiting period or exclusions.
Coverage for Prescription Drugs – The insurance buyer should check if the program covers the relevant cost if a child gets certain prescription drugs.
Customer Service – If the individual has children, they should look for an insurance provider with a good customer service reputation, as you will need to contact them for support or assistance.
Reputation and Financial Stability – One has to consider whether the insurance provider is a trustworthy company.
Benefits and Extras – The prospective purchaser should think whether the program chosen has additional benefits, such as coverage of vision or dental care, wellness programs, or telemedicine services.
Flexibility – Consideration should also be given to the insurance program’s flexibility in choosing doctors and hospitals or changing coverage.
All you need to know about newborn health insurance.
In the UAE, it is common for parents to purchase health insurance programs for their children to ensure their safety and well-being. These programs come with newborn benefits, which protect the baby in case of medical emergencies or health problems. The Dubai Health Authority has required insurance companies to offer coverage for children, even if born prematurely, without any waiting period.
This means that every child born in Dubai can have access to continuous health coverage from birth, and these insurance programs also provide a lifelong range for children, giving parents peace of mind that their children will have comprehensive coverage for the rest of their lives.
All in all, investing in a child health insurance program is an excellent way for parents to ensure the health and safety of their children. Discover health insurance programs from Cigna for individuals and families.