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Changes To Make in Your Health Insurance After Getting Married

Published On Dec 18, 2020, Updated On Dec 21, 2020

Pre-marriage health insurance is generally an individual plan that provides for a single policyholder. But after marriage, the policy has to be culminated into a family insurance plan to extend coverage for the spouse and children. Under the new insurance plan, all the members of the family have to be covered and there will be changes in the premium amount as well. Though there will be monetary restrictions on allocation for insurance post marriage, it is of absolute necessity as it renders extensive coverage for self and dependents.

Important Changes to Make in the Health Insurance Policy After Marriage

There are a number of advantages of upgrading the health insurance plan after marriage as it includes maternity cover, additional health issues, psychological issues, and also childhood diseases.

1. Upgrading from an Individual Cover to a Family Cover

Marriage is the entry to a new paradigm of life that is filled with challenges in all dimensions including finance and health. By upgrading from an individual insurance plan to a family floater plan, it is possible to draw the spouse and children under the cover. Thus, the entire family can enjoy health insurance coverage with a single premium. Also, the premiums paid towards family insurance will be covered under section 80 D of the Income Tax Act.

2. Renders Maternity Cover at the Earliest

General health insurance with maternity cover has a waiting period of 0 to 4 years and it can be a source of stress for a married couple. Thus it is important to adopt a family health insurance with maternity cover as soon as possible after marriage.

3. Choosing a Plan According to Healthcare needs

With marriage, responsibilities escalate and health conditions degrade. Also, there will be significant changes in lifestyle after marriage and both men and women are prone to a number of diseases owing to increasing age. Thus it is important to opt for a health insurance plan that best matches one’s lifestyle and renders cover for possible health problems in the future.

4. Consider an Add-on Cover

Add-on covers along with family health insurance will improve the coverage of the policy. Choose a well-suited add-on cover that best meets the needs of the family, before topping up the existing policy. Some viable add-on covers are critical illness cover, personal accident cover, top-up covers that enhance the base cover of the existing policy, etc.

5. Compare Before Buying

The best way to choose an ideal family insurance cover is to compare the different plans based on their coverage aspects, benefits, waiting period, and premium amount. Taking consultation from an expert in the industry will also help in leveraging the best health insurance plan.

Also Read

How Health Insurance Helps You Pre and Post Pregnancy

Ways in Which Covid-19 Has Changed Health Insurance in India

Bottom Line

With marriage, the size of the family increases so does the probability of health issues. Having an extensive health insurance policy for the entire family will have a significant impact on the financial health of an individual and will also help them to save on unexpected hospitalizations.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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