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6 Changes to Make in Your Health Insurance Policy After Marriage
Marriage is one of the most significant milestones of your life that not only changes your relationship status but also impacts your future. It brings many new responsibilities, and managing your finances is one of its crucial aspects. Naturally, continuing with the same health insurance policy after marriage may no longer be enough. If you are newly married, check out some important changes to make in your mediclaim policy post-marriage.
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- 6 Changes to Make in Your Health Insurance Policy After Marriage
Key Changes to Make in Your Health Insurance Plan Post-Marriage
Take a look at 6 essential changes to make in your health insurance policy after marriage:
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Upgrade Your Individual Health Plan to a Family Cover
If you have an individual health policy, you need to upgrade to a family health insurance plan as soon as you get married. This is because your individual plan will only cover your medical expenses and not your spouse's. However, a family floater plan will cover your and your spouse's medical expenses for a single premium. It will be more economical than paying separate premiums for two different policies.
Thus, you just need to add your spouse to your policy by filling out the proposal form and submitting the required documents, such as your marriage certificate. Once your spouse is added to your policy, it will be converted from an individual health insurance policy to a family floater policy.
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Review Policy Coverage as Per Your Healthcare Needs
After adding your spouse to your health insurance policy after marriage, you must review the policy coverage. The health needs of a person change from time to time, and your existing coverage may not be sufficient today. Besides, when you add your spouse to your policy, you should consider their healthcare needs too.
Analyze your and your spouse's health conditions and age at the time of their marriage. A general health check-up of yourself and your spouse is a smart way of knowing the health status of both during marriage. Moreover, your lifestyle can also change after marriage. Hence, you must purchase a health insurance plan for married couples that suits your lifestyle and adequately covers your healthcare needs post-marriage.
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Get a Maternity Cover as Soon as Possible
You should buy maternity insurance as soon as you get married. Maternity health insurance plans cover the medical expenses arising out of pregnancy and childbirth. Since pregnancy is the next step for most married couples, you must have maternity coverage for the resulting expenses. However, all pregnancy insurance plans come with a waiting period of 3 months to 4 years. This means you can claim your maternity coverage only after this waiting period is over. Hence, opting for a maternity cover soon after marriage is recommended.
Make sure to opt for a maternity waiting period that suits your family planning goals. If you are planning a pregnancy within 1 year, you must opt for a policy with a waiting period of 3 months or 9 months. However, if you are not planning a pregnancy for the next few years, you can go for a longer waiting period of 2-4 years.
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Go for a Top-up Policy
Besides maternity coverage, you should also consider buying a top-up insurance policy after marriage. With a top-up policy, you or your spouse can file health insurance claims even though the sum insured of your base mediclaim policy has been exhausted after previous claims during the policy year. This way you will have back-up coverage for a rainy day. Besides, top-up plans are pocket-friendly for the high sum insured they offer as they come with an in-built deductible. Just make sure to opt for a deductible amount in your policy that you can afford to pay.
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Opt for Suitable Add-on Covers
You should also opt for add-on covers and riders that are beneficial for you and your spouse after marriage. Add-on covers or riders can improve the coverage of your health insurance policy by paying an extra premium without the need to buy a separate policy. As a result, it is more convenient and cost-effective. Some highly recommended add-ons for married people are personal accident cover, critical illness cover, etc.
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Select the Right Health Insurance Company
While upgrading your medical coverage right after marriage, you can consider changing your insurer if you are not satisfied with the policy or services. Many health insurance companies in India offer comprehensive products at competitive prices. You can compare plans from different insurers online on Policybazaar.com based on their coverage, waiting period, reviews and benefits offered. You must select an insurer that best meets your after-marriage requirements with the coverage it offers.
FAQs
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Q1. Can I add my wife to my health insurance policy after marriage?
Ans: Yes. You can add your wife to your health insurance policy after your marriage. You just need to inform your insurer about your marriage, fill out the proposal form, and provide the required documents to get your wife included in your policy. -
Q2. Is a marriage certificate required to add spouse to health insurance?
Ans: Your insurer may ask for a marriage certificate to add your spouse to your mediclaim policy. You should contact your insurer to know the exact documents required. -
Q3. How to add spouse in health insurance after marriage?
Ans: To add your spouse to your health insurance policy, you must first inform your insurer about your marriage. You need to fill out the proposal form for your spouse, submit the required documents, and pay the additional premium to add your spouse to your policy. -
Q4. Can you add spouse to health insurance at any time?
Ans: You can add your spouse to your health policy at the time of renewal. If you are newly married, you can ensure the mid-term inclusion of your spouse by informing your insurer about your marriage within the designated time. While plans require you to inform the insurer for mid-term inclusion within 30 days of marriage, others may allow you a period of 45 to 60 days. -
Q5. Can I add my spouse to my individual health insurance plan?
Ans: No. You cannot add your spouse to your individual health plan. You need to buy a separate individual plan for your spouse or switch to a family floater plan to stay covered in a single policy.
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