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Factors to Consider When Buying Health Insurance Plan Post Marriage

Updated On Sep 06, 2021

Marriage brings in new roles and responsibilities. And one of those responsibilities is to have sufficient health insurance coverage for yourself as well as your spouse. Getting the right insurance cover post marriage is crucial for your overall risk management. Hence, you must focus on getting or modifying health insurance cover, if you already have one, to secure your future.

Factors to Consider When Buying Health Insurance Plan Post Marriage

Listed below are some factors that you should consider when buying or modifying health insurance cover after marriage:

1. Compare Health Insurance Plans by Different Health Insurance Companies

There are numerous health insurance companies in India, and choosing one may be a daunting task. These offer health insurance plans that suit different requirements of people. To choose the best one for yourself, you must compare several similar plans to know which one is most affordable for you and offer the best benefits. The easiest way to find the most suitable policy is to use InsuranceDekho’s health insurance premium calculator. It will not only help you calculate premium, but also help you compare different plans with reference to their premiums and features.

Must Read: Important Changes in Health Insurance After Marriage

2. Reevaluate Your Existing Health Insurance Policy

The next important step in the process should be to reevaluate your existing health insurance policy. If you have a health insurance plan offered to you by the organisation that you work for, then you should check again if that would be still sufficient for you, or you may want to include your spouse under it.

3. Check Your and Your Spouse’s Health Requirements

You share everything with your spouse after marriage. And therefore, your health insurance policy benefits should cover both you and your spouse as well. You should evaluate your and your spouse’s health insurance requirements and make the necessary modifications to the plan accordingly.

4. Opt for a Family Health Insurance Plan

When adding members to your existing health insurance policy, you must look to buy a family floater policy. This is because a family floater health insurance policy allows you to include other family members also who are financially dependent such as parents, future children, etc. This type of health insurance policy covers your entire family under a single sum insured. Apart from this, you get to pay reasonable premiums, as well as allow tax benefits under Section 80D of the Income Tax Act, 1961.


When buying a health insurance plan post marriage, you must consider several health insurance plans. This not only helps you take an informed decision, but also helps you stay committed to protect the health and well-being of your spouse.

In case of any doubt or query about which health insurance plan to buy post marriage, you can talk to the customer care executives at InsuranceDekho and share your requirements. The team will help you buy the most suitable plan online in just 5 minutes.

Also Read: Key Changes in Health Insurance Policy after Marriage

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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