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Kotak Child Future Plan

Child Plans

An Introduction to Child Plans

Do you dream to give your child the freedom and choice to:

  • Acquire an education of his/her preference?
  • Opt for a new-age career that demands a longer time to gain ground (or, which takes a longer time to get established)?
  • Make key career/personal decisions without worrying about the money factor?
  • Have a fairytale wedding?
  • Fulfill all his/her wishes during childhood and teenage years?

Irrespective of the type of dream, you will surely agree that all dreams come with a price tag. Add to it inflation and other financial commitments and you will realise that you need nothing less than a fortune to ensure your child's bright future. Child insurance plans aim to do exactly that by enabling you to create a financial corpus to meet your child's future needs.

Go through the links below to know more about Child Plans.


  • Life is uncertain and unpredictable
    You never know what lies in the future. An untimely death can seriously hamper your child's future. With children insurance plans, you can be rest assured that there is financial support for your child in case of any eventuality.

  • You don't want your child to let go of his/her dreams
    Having the right amount of money at the right time is crucial. Lack of finances at critical stages in your child's early life can put his/her career off-track.

  • Battling inflation
    Inflation can eat into your savings. A professional course that costs Rs 5 lakh today would cost more in the future.

What we offer

Note: Inflation rate assumed at the rate of 6% per annum. Future value rounded to the nearest thousand.



  • To overcome the reducing power of the rupee
    With inflation on the rise, your money's purchasing power is on a steady decline. It is thus necessary to invest in a way that your buying capacity is in sync with the changing times.

What we offer

Note: Inflation rate assumed at the rate of 6% per annum. Future value rounded to the nearest thousand.



Planning, saving and investing early via child life insurance plan will enable you to:
  • Enjoy a longer investment period
    Investing small amounts of money at regular intervals over a longer period of time can help you build a bigger corpus for your child.

  • Enjoy the benefits of compounding
    Invest early and let your money grow rapidly, by earning interest on returns earned, with the magic of compounding.

  Invest Today Invest After 10 years
Annual Investment Rs 10,000 Rs 20,000
Age at Which You Begin Investing 30 years 40 years

At age 50 years

Total Investment Rs 2,00,000 Rs 2,00,000
Wealth Built Rs 4,94,000 Rs 3,13,000
  Difference of 57.83%

Note: Rate of return assumed at the rate of 8% per annum.



Over and above planning early,

  • Invest with a goal
    Setting financial goals is an important aspect of financial planning. Chalk out the stages in your child's life. Calculate when and how much money would be required at each of this stage. Buy a child plan accordingly.


What we offer
  • Earn real returns
    You should take into account the rate of inflation while assessing your investments. Even if you are enjoying a decent rate of return on your investments, it would be futile if the inflation rate is higher than the returns. Real return is anything you earn above inflation rate:

    Real returns = investment return – inflation

  • Invest regularly
    Regular investment in children plans not only reduce your financial burden but also help you tide over market volatility. You get a chance to invest money, both in the highs and lows of market, thus averaging out any volatility.


By using child life insurance policy as the route to fulfill your dreams, you are able to:


  • Provide financial security for your child even on your death
    You can be rest assured that your child lives on to see his dreams come true even if you are no longer around.

  • Accumulate a corpus that will enable realisation of all dreams
    The plan will ensure that lack of finance doesn't come between your child and his/her dreams.

  • Enjoy tax benefits
    Investment in children plans can enable you to enjoy tax benefits under Sections 80C and 10 (10D) of the Income Tax Act, 1961.

  • Enjoy dual benefits of insurance as well as real returns
    The premiums you pay are invested into financial instruments, which are actively managed by experts to allow you to earn more from the policy.

  • Use market highs and lows to your advantage
    By paying premiums regularly you can swing the highs and lows of the market to your advantage.

  • Provide for a higher financial security through 'riders'
    Riders let you enjoy more from the life insurance plan and will provide additional financial security in the unfortunate event of your death or disability.

  • Option of placing the policy as collateral to raise a loan
    The plan makes you eligible for a loan after a lock-in period. Your policy will be the collateral against the loan.

  • Create a bigger corpus for your child's future
    Timely investments can assure higher funds for your child's future, be it his/her education or marriage.

  • Let your money grow along with your child
    With inflation on the rise, your savings for your child's future may not be able to achieve the set goals. Investing in child plans is a prudent way to ensure that your money grows with time.


  • Click on the child plan of your choice to know more about the plan
  • Refer to plan brochure and premium calculator for further information.
  • Click on "send me a Life Advisor" in order to contact an expert advisor who will guide you in the buying process.


Child plans we offer:
Kotak Headstart Child Assure
Compare plans


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