Does your child require a medical insurance plan for their medical needs? For most people, this is a thought that rarely crosses their minds. After all, a child’s medical needs are probably manageable from a cost perspective. The more pressing matters for first time or young parents would be immediate physical needs, such as a crib, baby car seat or milk formula. But the truth is, a child’s medical needs can be costly, too, and you may actually want to consider purchasing medical insurance for your precious little ones. 

#1: Ensuring access to quality healthcare

Some parents choose to wait until their children are older before getting them getting medical coverage. If they are lucky enough, their Employee Benefit may also provide healthcare insurance for their children. In the interim, the child’s medical needs would either be paid for as an out of pocket expense at public or private healthcare centers. Having said that, it must be noted that most public medical facilities are often overbooked or have a long waiting list for certain treatments or consultations.

#2: Safeguard against common illnesses & medical conditions

It is not uncommon to hear of newborns or young toddlers needing medical treatment for certain health conditions, especially respiration or infection-based conditions. Although most parents hope for the best for their child, a solid medical plan allows them to have access to quality medical assistance or subsequent consultation in the event of post-hospitalisation cases. This can help catch symptoms of specific illnesses while in the early stages and minimise the likelihood of these symptoms taking a more serious turn.

#3: Financial peace of mind

The common argument against getting a child a medical insurance plan is that their medical expenses, if any, would be limited and a fraction of the cost of an adult’s. In light of that, it is important to take note that medical costs for treating a child is no different than the medical treatment cost for an adult, and neither are immune to price increases which happen year on year. Having a medical plan for your child not only provides access to quality healthcare when they need it the most, it also provides a financial safety net in the event of a medical emergency.

#4: Locking in protection at a more competitive price

Children need special care right from the time they are born until they become an adult. It would definitely be a good to have a health insurance to protect your kids.

Kids are more vulnerable to catching an infection or contracting a disease because they have a weaker immune system. Frequent visits to the hospital can impact your finances adversely. But in the case of health insurance, the treatment cost of any unforeseen disease or infection contracted by your kid will be covered once they are hospitalized.

Introduce Individual Health Insurance for Kids with AIA Samrab Sokapheab

AIA សម្រាប់សុខភាព* (AIA Samrab Sokapheab) is a health insurance solution that helps pay for medical expenses incurred by illness or accidents. This medical plan provides long-term protection with whole-life coverage starting age from 30 days old. This medical plan guarantees renewability with minimum coverage starting from $10,000 and a range of benefits to ensure optimal wellbeing.

Why is AIA សម្រាប់សុខភាព (AIA Samrab Sokapheab) your best option for your kids?

• Affordable medical plan while ensuring your out-of-pocket medical expenses are kept to a minimum with immediate financial support when you need it most.
• Quality hospital network in Cambodia and overseas with 129 local and international partner hospitals to choose from. 
• Cashless experience with convenient claim digitally through AIA+