My friend had twins in March. And he already have a personal insurance from star health.And he wanted to get them added to personal insurance plan. Star health denied adding them to the plan based on their “health profile”, since they were born premature.
All he want here is to get coverage for them for other regular child stuff. Like fell down while walking. Or something like an accidental coverage which requires hospitalization.
The insurer can exclude congenital issue from my coverage, or ask for a waiting period for anything related to these, but at least the kids should get coverage on regular childhood stuff.
There is a specific type of insurance called family floater plan, your friend has to buy it and it covers your family like your spouse and children so you just have to provide the details to the insurers and they will provide you with a plan.
Star Health might not provide it but there are other health insurance providers, use them some of the good players in this space are HDFC, Bajaj, Axis
In India, obtaining health insurance for children with pre-existing conditions like seizures or congenital disorders can be challenging, as most child health insurance plans exclude such conditions. However, parents can still secure coverage for regular child health needs, accidents, infections, injuries, and hospitalization . Leading insurers like Care Health Insurance (Care Joy, Care Advantage) , Niva Bupa (Health Companion, ReAssure) , and HDFC Ergo (Optima Secure, Suraksha) allow newborns to be added after 90 days, providing coverage for routine hospitalization and accidental care , while excluding congenital disorders. Another effective option is group health insurance plans through employers or associations, as these plans generally accept children without strict medical underwriting . This ensures that twins or children with pre-existing conditions still receive essential child health insurance coverage in India .