I had taken a family health policy before my daughter was born. Should I take a separate policy for her? All health insurance policies have to be issued in the name of individuals. So, for your daughter, you will have to buy a policy in her name. Normally, standalone health insurance policies are not offered to individuals below the age of five years. But, children below the age of five can be covered under a mediclaim policy if one of the parents is also covered under the same policy. In your case, since you already have a family health insurance policy, you can get her name included in it. Insurers will not offer a higher sum insured for your daughter, but you can always go for a family floater policy where, if a situation arises, the total sum insured is available for each member of the family.
