Fetus to be insured soon for congenital defects


  • None of the plethora of insurance companies in the country insure a child for congenital malformations.
  • Recently, the country’s top insurance company has shown readiness to bring such an insurance policy.
  • This type of insurance cover will reduce the financial burden on the newly married couples.

New Delhi: At least one major insurance company has agreed to insure fetuses with congenital defects and surgical problems, in hopes of reducing the burden on the newlyweds’ pockets. The Indian Academy of Pediatric Surgeons (IAPS), which consulted for a long time with insurance companies and eventually managed to launch insurance with at least one private insurer – Star Health and Allied Insurance Company – providing such insurance cover . Officials said the company is also in talks with several other insurance companies.

Dr. Ravindra Ramdwar, President, IAPS said, “Many insurance companies do not provide any insurance cover to the child for congenital defects or surgical problems. This is a huge expense for many families and parents, including young couples. There are many first-time parents who have just started a job and do not have the financial freedom to treat their child in the hospitals of their choice.

An estimated 1.7 million babies are born with birth defects each year. While most insurance companies do not provide such cover, families suffer due to the high cost of treatment. In the absence of adequate insurance cover for such children, many couples are forced to take a very sad decision and opt for abortion when they come to know that their unborn child has a minor defect.

Dr. Star MD of Health. s. Prakash said during an online conference on Pediatric Surgery that his company is very excited to take the responsibility of these young children and he has come up with a new policy under which anyone who has done this policy since two years will be free to You can get the sum insured. congenital malformations. would be entitled to. The company has completed all its formalities for the policy and is awaiting the approval of IRDA before releasing the policy for the benefit of general public in the next few weeks.

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