National Insurance Mediclaim Policy for family covers hospitalization expenses for accidents and diseases (gibl.in)
Dependent children between 3 months and 25 years can also be included in the coverage of National Insurance mediclaim policy for family. (gibl.in)
Although, the duration varies from one health insurance company to another, still most providers of mediclaim policy in India offer pre-hospitalization coverage for 30 days before hospitalization. (gibl.in)