How can I get health insurance for my child

Question: 
My bf is an american can my daughter avail his insurance here or i need to get a plan for us ?

Answer: 
There
are many health insurance plans that will include coverage for a
child or dependent of the policy holder. Health
insurance provided by employers will typically afford
coverage to the
employee’s dependents; this can include the employee’s spouse and
dependent children. Health
insurance plans purchased by individuals can also include
coverage of dependents, however the policy holder will need to
register each of these dependents onto the plan separately.
Certain conditions are normally applied by health insurance companies
when enrolling dependent children onto a plan, and these terms will
usually vary from insurer to insurer.

Health
insurance companies will normally apply certain terms and conditions
when enrolling a child onto a plan. For example, the age of the child
is an important factor. Parents can enroll children up until 18 years
of age, but this age limit can be extended (for example to 21 years)
if the dependent child is studying. Newborn children are usually
required to complete a waiting period until they can apply for
enrollment. This period is usually around 90 days after birth but
will also vary among insurers.

Parents
who are looking for immediate cover of their newborn children, can
opt for a ‘newborn child benefit’ which is offered by some health
insurance providers. The policy holder can select one of two options:
a ‘free benefit’ or ‘born into the plan’. The ‘free benefit’ option
will immediately cover the newborn child at birth, but for a fixed
period only. This period will usually differ among insurers but will
typically be around three months or so. A ‘born into the plan’ option
will immediately cover a newborn child at birth, with no fixed period
on coverage, however this option will have a higher impact on the
policy holder’s premium.

The
best way to ensure your child is covered is by purchasing a family
health insurance plan or a children’s health insurance plan.
Pacific Prime can offer a large range of family health insurance
plans for those living in any country worldwide. Family health
insurance plans will typically include inpatient
and outpatient
cover with the option to select various medical benefits such as
maternity,
optical, and dental
cover. While a family health insurance plan is designed for
individuals and their dependent children, a child health plan will
include coverage for the child only. A child health plan will include
similar benefits to a family plan, but will not provide coverage for
the policy holder parent.

There
are a large range of family health insurance plans available. Local
family plans will typically include coverage within the
residential country area whereas an international
health insurance plan will typically extend medical
coverage to any country worldwide. An international health
insurance plan can be particularly beneficial to families as they can
have access to the best treatment available worldwide. For example,
if a high level of medical treatment is not available in their local
country area, an international plan will enable families to
ultimately select the hospital and country in which they wish to
receive treatment.

Pacific
Prime can assist you in finding the right health insurance plan for
you and your family. For more information on Family Health Insurance
Plans or to receive
a free global health insurance quote, please contact one of our
dedicated advisers today.