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A regular health insurance cover may not be enough to meet the cost of medical treatment of your child if he/she falls seriously ill. HDFC Ergo Health (formerly Apollo Munich) offers you the ideal children health insurance cover under its Easy Health Family Insurance Plan. This low cost health insurance plan will help you tide over the financial emergency arising from a child’s sickness.
The HDFC Ergo Health Insurance Ltd. (formerly Apollo Munich Health Insurance) is a joint venture between India’s largest integrated healthcare group, the Apollo Hospitals Group, and Munich Health, Europe’s leading healthcare insurer. It is a pure health insurance company that concentrates on the healthcare needs of people. It has formulated several innovative healthcare plans. Its Individual, Family, Group, and Senior health insurance plans cover people of all ages. There are insurance options against all sorts of health risks. All its intelligently designed plans are formulated with customer centric approach. They are tailor made to suit the need of people. They all come with a promise of cashless mediclaim, tax benefits and simple policy wordings. 
Easy Health is one of the best plan offered by HDFC Ergo Health (formerly Apollo Munich). Inclusive of basic coverage features, the plan weaves along long list of other benefits. It is designed with a view to offer comprehensive coverage. As a family floater plan, this policy offers medical insurance coverage to individual family members and the family as a whole. For example if you opt for a cover of Rs 3 lakh under this plan, then the whole amount can be availed by each family member in the event of a medical emergency. On the other hand if you were to opt for mediclaim health insurance of Rs 1 lakh each for individual family members, then medical expenses on any one member in excess of Rs 1 lakh cannot be met from the insurance cover of other members.
This low cost health insurance offers insurance cover ranges between Rs 2 lakh and Rs 10 lakh and gives double protection to the family and its individual members. It will not only help you meet the spiraling cost of medical treatment but also guide you on the path of wellness. The family floater policy has many add on benefits like health risk assessment, primary consultation with experts, health related counseling, health information, nutrition and diet.
The policy also offers an optional critical illness cover against 8 specified critical illnesses, namely, cancer, coronary artery (bypass) surgery, major organ transplantation, first health attack (myocardial infarction), multiple sclerosis, paralysis, stroke, and kidney failure. If the person choose to opt for premium variant, insured members can also seek e-opinion for the above mentioned critical illnesses. This guides the insured in the right direction. 
With this family health cover you can claim coverage for Maternity Expenses (with waiting period of 4 years); Outpatient Dental Treatment (with waiting period of 3 years - 50% of reasonable cost); Spectacles, Contact Lenses, Hearing Aid every third year - 50% of actual expenses incurred; Emergency Ambulance; Domiciliary Treatment; Day Care Procedures; and In-Patient Treatment. 
Other significant features of Easy Health are:
  • The Easy Health Insurance Policy offers cover to persons from the age of 5 onwards. A younger child will be covered from the 91st day onwards, if both parents are covered under this policy. 
  • The cover is valid for a period of 1 year.
  • An individual and/or his/ her family members namely spouse, dependent children and dependent parents are eligible to buy this cover. 
In this way, as family health insurance plan, Easy Health Family Health Plan can serve the purpose of children health insurance. It is a plan that can make look after all your dear one’s healthcare needs and let them enjoy quality medical care without any need for compromise. It can adequately protect you and your family against spiraling medical costs and also guide your family on the path of wellness. Thus, it is truly a double protection cover. It is a broad cover for treatment against illnesses and accidents requiring in-patient hospitalization along with additional coverage features. 
HDFC Ergo Health (formerly Apollo Munich) offers lifelong renewal under this plan. This will ensure health security for whole life enabling the insured members to enjoy hassle free treatment as and when required. Having framed this plan in three policy variant, the company has made it possible for all income groups to get access to quality healthcare. It brings best treatment well in reach of all.
Policy must be purchased with personal healthcare needs in mind. They must be considered before you take any final decision. By opting for a family health plan, you can find a solution for children health insurance with ease. Under a single health cover all members can get insured. By paying a single premium amount, all your dependent members can enjoy best treatment as and when required. 
But before you choose any health cover for you family, make sure that you have read all the related details. In simple policy wordings, Easy Health makes the understanding easy for people. As per the tagline “Let’s Uncomplicate”, HDFC Ergo Health (formerly Apollo Munich) works with the objective of demystifying health insurance for people. So, take a step ahead and get your healthcare worries resolved with a health cover. 
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