Children are mischievous and often restless; they take much interest in exploring and unravelling new things. Often, curiosity and mischief can lead to innocent injuries; but such mishaps can also take a turn towards serious wounds. Even while playing in a field or at school, their prime focus resides on enjoying themselves rather than being attentive about their safety. Therefore, along with ensuring proper resources for education, parents should also focus on equipping their children with comprehensive healthcare coverage for such scenarios. To cope with the increasing healthcare costs and to ward off the financial worries, parents can opt for a child personal accident health cover, which can provide them with a financial assurance.
Several lending institutions offer financial assistance to deal with medical contingencies. Vitally, individuals should consider comparing the features offered by the same and select the best insurance for a child.
Given below are the ways following which one can claim the coverage under a child health insurance plan.
How to claim children’s accident cover?
Child health insurance plans help you impart financial safety to the individual’s childhood. It comes with several features designed in a fashion to best cater to the financial requirements created due to medical emergencies.
● In case you need to claim your insurance, you have to inform it to your financial institution and report them about the situation through email, or by calling them on their toll-free number.
● You have to fill up the claim form and request for your child personal accident insurance cover. Make sure you fill-up the form accurately, mentioning the date and cause of accident, nominee’s name and address, etc.
● After you have submitted the claim form and the documents, the financing institution will appoint one of their representatives to verify the authenticity of the claim.
● Once approved, the claim amount will be credited to your chosen account.
The above mentioned ways are for individuals who are facing ambiguity while availing their assured sum from their chosen financial institution.
Nonetheless, despite an easy claim procedure, individuals often hesitate to opt for such coverage.
Following are reasons why you should avail an insurance plan for your child without any second thoughts.
Child health insurance plans are necessary as it reduces the added pressure on the parents during the time of medical emergencies. It helps them keep the treatments afloat even if they are expensive and far-reaching.
● While playing outside or at school, your child may meet with an unforeseen accident leading to severe bone injuries and fractures. Healthcare for bone injuries can be expensive unless you have subsequent financial coverage against it. In such cases, you can opt for insurance policies like a Child Personal Accident Cover from Bajaj Finserv Pocket Insurance & Subscriptions for financial coverage of untoward mishaps.
● Many aspects can increase the hospitalisation prices including diagnostic tests and operations, if required. A hospital cash cover comes into play during such situations and eases you from the financial strain of such healthcare expenses.
● Festivities may bring you loads of joy and delight, but is also open to accidental occurrences. In the spirit of immersing in the resplendence of lights during Diwali, parents often overlook how it can be perilous for kids. Bursting rockets and firecrackers recklessly without any supervision from elders can induce fatal injuries to children if not attended immediately with medical attention. Parents can also opt for a firecracker insurance to avail coverage on treatments and financial losses.
The above mentioned factors should be kept in mind while selecting an insurance cover to benefit from adequate medical assistance in unforeseen situations. These insurance policies have a simple process of application with affordable annual premium.
The terms and policies of a child personal accident health cover vary between insurance providers and the policies. Every individual should compare and crosscheck the norms and advances offered as financial coverage to rule out any ambiguity while selecting a childcare insurance plan. Any decision related to an insurance plan should be made keeping in mind the financial requirement of an individual.
