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    How Important is a Health Insurance for your Child?

    Last Updated On 20-09-2021

    Modern living is uncertain and stressful for everyone, including the kids. Gone are the days when children were considered stronger, owing to their strong immune system. Today, such is the curse of the lives we live that everyone - seniors or children - are vulnerable to several health hazards. Medical emergencies can strike anyone and anytime, irrespective of how young or old they are.

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    And even though having health issues at an old age is expected, facing medical concerns at a young age is also quite common now. This is particularly because children today have weaker immune systems and are more vulnerable to health issues. Thus, it is imperative that as a parent, you protect them with child only health insurance so that they have a reliable shield against an uncertain event.

    Top reasons health insurance for children is important:

    • To protect them in sickness: Be it modern living or the unhealthy lifestyle and food habits, children today have a much weaker immune system than before. Children are also generally picky about healthy food. This makes them more vulnerable to health problems and increases their chances of falling sick. Nowadays, the capacity to fight infections in children quite low. This means that even a minor cold and cough or a fall during their playtime can turn into a serious health problem like flu or a fracture. With child only health insurance, you can ensure that your child gets the best possible and immediate treatment without you having to worry about the finances.
    • Children are more vulnerable in their growing years: If your child is in the growing stage, you have to be more careful as growing kids are more susceptible to health issues and diseases. Those who play sports are also at risk of minor and major injuries. So, even when you cannot always protect them, you can buy comprehensive health insurance for children to take care of them in case of uncertainties.
    • Dental care can put a dent in your pocket: For kids, ice-creams, lollies, candies, chocolates, etc., is happiness. You can limit their intake of such items, but you cannot expect them to not consume them at all. Moreover, healthy habits like brushing teeth at night, etc., is a rare thing in children. This means that they are more prone to dental issues. Further, a fall from a bicycle or a table, etc., can result in a dental injury. All this means that you could end up spending a hefty bill at the dentist unless you get it covered by a child only health insurance.
    • Children are more prone to sudden accidents: Children are quite carefree and do not always foresee risky situations. This may lead to injurious mishaps over which they have no control. While they are still developing their reflexes, they are predisposed to accidents as they cannot react immediately. As a parent, you should be more careful so that your child is safe and get health insurance for children.
    • Quality healthcare: Trusted and renowned health insurance for children gives you an option to avail cashless facility in across major hospitals in the country. This implies that your child gets not only immediate care but also the best quality healthcare. Moreover, health insurance for children also includes free regular health check-ups, which can help you monitor the overall development of your child, identify a disease or health issue in its preliminary stage and take preventive measures in time.


    You love your children with your whole heart. But there is also quite a lot of responsibility involved. And while you work hard to give them the right education and ideals, invest in a child only health insurance to ensure they have adequate health coverage too. Today, health insurance for children is a need, not an option.

    Know more about life insurance plan, term plan, term insurance plan at PNB MetLife.



    The aforesaid article presents the view of an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability or medical complications incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ health advisor before making any decision.

    PNB MetLife India Insurance Company Limited
    Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka
    IRDAI Registration number 117 | CIN U66010KA2001PLC028883
    For more details on risk factors, please read the sales brochure and the terms and conditions of the policy, carefully before concluding the sale.
    Tax benefits are as per the Income Tax Act, 1961, & are subject to amendments made thereto from time to time.
    Please consult your tax consultant for more details.
    Goods and Services Tax (GST) shall be levied as per prevailing tax laws which are subject to change from time to time.
    The marks "PNB" and "MetLife" are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
    Call us Toll-free at 1-800-425-6969, Phone: 080-66006969, Website:, Email: or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203.


    Beware of Spurious Phone Calls and Fictitious / Fraudulent Offers!
    IRDAI is not involved in activities like selling insurance policies, announcing bonus or investments of premium. Public receiving such phone calls are requested to lodge a police complaint.



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    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at or You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

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