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Key Changes in Health Insurance Policy after Marriage

Updated On May 02, 2021

Marriage comes with various new blessings in life but at the same time it also comes with its own share of responsibilities especially financial responsibilities. Well, when talking about finances it also includes expenses incurred through medical bills. Therefore, if you are planning to get married anytime soon in future, then you should definitely consider making some changes in your health insurance plan as well.

Key Changes in Health Insurance Policy after Marriage

Major Changes to Make in Health Insurance Plan after Marriage

Highlighted below are key changes that you should consider making in your health insurance plan post-marriage:

  1. Analyzing Medical Needs

    It might happen that you may have purchased a health insurance plan early in life, and then health needs that were sufficient then, must not be enough now. Moreover, the health needs of a couple are somewhat different when compared to the health needs of an individual. Therefore, it is important to upgrade your current health insurance plan in order to get more health coverage and to add more members to the plan. For this, you can contact your health insurance company to include add-on covers and add new clauses to assist you in making a health plan which is customized to provide sufficient health cover to both you and your spouse.
  2. Changes in Health Insurance Cover

    In case, you own just an individual health insurance plan, then it will offer coverage only for your healthcare needs and treatments. However, post marriage, if you wish to include your family members, then in such a case, you might have to change your health insurance plan in order to offer coverage for all the family members. You can consider buying a family health insurance plan in order to offer health coverage to your spouse, parents, and children if needed.
  3. Maternity Cover

    In case any newly married couples, who are planning to raise a family in the future are recommended to include maternity cover in their current health insurance plans. It is one of the key changes that various individuals who are planning to tie the knot should include it in their health insurance plans. There is generally a waiting period ranging between 0 to 4 years, and in case you raise a claim during that time, then it will not get settled.
  4. Right Insurance Provider

    In case, you are not content with the services offered by your health insurance provider, then it is not necessary to continue with the same insurance provider.  There are various new-age insurance companies in the market that provide health insurance plans at a lower price without reducing the amount of health insurance coverage. Therefore, before finalizing any health plan and insurance provider, you should thoroughly compare and then opt for the right health insurance company.

You May Also Like to Read:- Maternity Health Benefit Plans

Top 5 Maternity Insurance Plans In India

Final Words

Marriage is an important life decision, therefore it is significant to ensure that you plan and prepare together for this big change  and it includes having an optimum health insurance plan for the entire family. With various features, plans, and availability of options, it is recommended that you should thoroughly research before choosing the right family health insurance cover.

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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