Important Changes in Health Insurance After Marriage

Health insurance has become the ultimate necessity in every individual’s life. While many feel satisfied with their health insurance, many go ahead and get their policies changed, according to their requirements for some or the other reason. However, also present in this group, is a huge percentage of people who have to make necessary changes in their health insurance cover after their marriage. 

If you too are about to get married or have got married a few days back, it’s time you consider making a few changes in your health insurance policy. Rest assured, addressing these changes will help you save yourself from financial losses in the future. 

5 Major Changes in Health Insurance After Marriage 

• Type of health insurance cover –
  
  Before jumping to any conclusion, make it a point to have a look at your health insurance cover. Do you have employers’ group insurance coverage? Are you totally depending on it or do you possess another individual health insurance policy? Being aware of your present policy will help you make a clear decision regarding your health insurance cover’s strength. It will help you decide whether you want to increase or decrease your cover? In addition to the same, it will also be a better thing to do for your spouse and help you both conclude whether or not you want to buy a new health insurance policy or policies. 
   
• Analyzing health requirements –
  
  Time changes and so does health. There are major chances that at the time you purchased your current health insurance policy your health was in a different shape. From that until now, your health would have undergone multiple changes be it due to lifestyle, any illness or any other reason. At present also, getting married is one big lifestyle change that will influence your health condition. Therefore, it is significant for you to conduct a detailed analysis of your health state and may be invest in a suitable health cover to cope with the changes already there or yet to come. 
   
• Family health insurance –
  
  Starting a family is one of the crucial stages after marriage in one’s life. To welcome this big change in your life, you can invest in starting your family health insurance policy post marriage. As far as the coverage is concerned, your spouse and other immediate relatives can be a part of it. Note that if your family comprises senior citizens that lack a dedicated health insurance plan, you can get them added to your cover. The best part about a family health insurance plan is that you will have to pay a single amount so as to cover all your dear ones. Moreover, you will be eligible for tax benefits associated with the health insurance policy as per Section 80D of the Income Tax Act. 
   
• Maternity cover –
  
  Married couples should choose a health insurance policy covering maternity expenses without any delay. The reason behind making a quick decision is because such covers come with a waiting period. Note that the waiting period can range between 0 to 4 years, according to the insurance company’s policy. Additionally, keep in mind that the maternity expense cover only becomes active only after the waiting period has been completed. Anyone raising a claim during the waiting period will have to face rejection from the insurance company as the latter will not settle the claim.
   
• Right health insurer for you –
  
  While you can make necessary changes in your health insurance policy or even buy a new one, you can also choose to discontinue with your current health insurer. You can opt for changing your health insurer completely if you feel dissatisfied with the offered cover, service, and other features. Remember, there is a vast array of new-age insurers offering health insurance policies at a low premium price without limiting the coverage. Many even have better service-related features. It would be best for you to compare all the health insurers and find the right health insurer according to your medical requirements. 

Also Read

Getting Married? Upgrade Your Health Insurance Plan Too! ​

Why Health Insurance with Pregnancy Cover is a Must for You?

Conclusion 

Marriage is a big change in one’s life that initiates a string of multiple other changes. You should prepare yourself for all the changes you will be encountering in the coming time as well as make your health insurance policy ideal for you and your partner. 

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