Child Health Insurance Texas | Children Health Insurance TX

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Child Health Insurance Texas

Child Insurance Plans began from the Child age 0, so it’s easy for most of the parents to plan the future of their “to-be-born” child. Child Plans – cut only for children are meant to cover the education, higher education and marriage needs. Sum assured or guaranteed returns are the main features of child plan. The main attraction, insurance companies is the Maturity Benefit Plan wherein the family need not pay further in case of insured parent death during the policy term and the policy continues with sum assured and the bonuses declared.

Child insurance plans have some of the basic attractions like cheques when the child reaches a certain grade/class or age and beneficiary concept where beneficiary (in this case the child) is the sole person to receive the benefit. To add to the icing is the Tax benefit. Parent/s who is taking the child policy is eligible for Tax Benefit under Section 80C and Section 10(10D) of the Income Tax Act, 1961.

- Under Section 80C: You can save tax each year as premiums up to Rs. 1, 00,000 are allowed as a deduction from your taxable income.

- Under Section 10 (10D), the benefits you receive from this policy are completely tax-free subject to the exclusions.

Securing ones child future is one of the biggest relief for any parent. With so many insurance companies coming in the child insurance, life insurance field, this should not be a dream too far…

The recent expansion of the Children’s Health Insurance Program (CHIP) was a strong step forward. But even with that expansion, 5-6 million children will still be uninsured and millions more underinsured. Now is our chance for real reform. Together, we can make sure all children get the health coverage and care they need.

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