Changes to Make in Your Health Insurance Plan After Marriage

What is a Health Insurance?

Health insurance is an agreement between the insurance company and the insured wherein the customer, the insured, is assured of being provided with financial cover for medical expenses incurred. It provides the insured, with the security of managing his healthcare-related expenses in the event of a medical emergency.

Depending upon the coverage taken, the insurance plan will help you meet your expenses for a hospital stay, surgery costs, visits to the doctor, prescription drugs, health check-ups, and the fee for hiring an ambulance, among others. 

Health insurance gives you peace, allowing you to focus on getting the best treatment; instead of thinking about huge expenses generally associated with illnesses and hospital stays.

Changes You Need to Consider to Your Health Insurance Plan After Marriage

After getting married, there are a few changes you should consider making to your health insurance plan to ensure that you and your spouse are adequately covered. Here are some of the changes you may want to make:

1. Add your spouse to your plan:

One of the first updates you need to do to your health insurance plan after your marriage is to add your spouse to the existing cover. If you and your spouse both have health insurance, you may want to compare your plans and decide which one offers better coverage. You may also be able to add your spouse to your plan, which could save you both, money on premiums and out-of-pocket costs.

2. Reassess your coverage levels:

Marriage is a big change in your life. If you and your spouse are now sharing a plan, you may want to reassess your coverage levels to ensure that you have enough coverage for both of you. Hence, it is a prudent decision to reassess your coverage of the health plan after marriage and look for necessary add-ons. If you are looking to add to your existing plan, you may look for a top-up plan.

3. Opting for a Family Health Plan:

If you and your spouse are both looking for health insurance coverage after getting married, one option to consider is purchasing a family health insurance plan. A family plan is designed to provide coverage for you, your spouse, and any children you may have.

4. Getting the Right Add-Ons for Your Plan:

It's important to ensure that after getting married, your health insurance coverage is sufficient to meet the needs of both you and your spouse. One way to do this is by purchasing the right add-on covers. These add-on covers such as critical illness cover, maternity cover, etc. can provide additional benefits and protections beyond what's included in the base plan.

5. Update your beneficiaries:

It's also important to update your beneficiaries on your health insurance plan after getting married. This ensures that if something happens to you, your spouse will be the designated recipient of your health insurance benefits.

These are just a few of the changes you may want to consider making to your health insurance plan after getting married. It's always a good idea to review your plan regularly to ensure that you're getting the coverage you need.

What are the Benefits of Taking a Health Insurance Plan?

The costs of medical care in India are one of the fastest-increasing costs. One can be shielded from this sudden expenditure, by taking an appropriate health insurance plan, which also comes with other benefits. Let’s look at some of the advantages of taking a health insurance plan.

1. Handling the financial implication of medical treatment

Taking the right insurance plan will help in managing the financial burden of any medical treatment, in case of an emergency. Depending upon the plan, one can even claim expenses for things like ambulance and medications even after discharge from the hospital.

2. Convenience with cashless treatment

A cashless health insurance claim allows you to manage the entire treatment without having to make any payment. This allows peace of mind, without having to arrange for finances at the last moment.

3. Tax benefits

One can also claim tax benefits on the premium amount paid towards securing health insurance under section 80D of the Income Tax Act 1961. Additional benefits can also be claimed on insurance for senior citizens.

4. Coverage for critical illness

Coverage for critical illness is also offered in many health insurance plans. This coverage safeguards you against any additional cost of treatment related to multiple lifestyle diseases that have become prevalent nowadays. The insurance company makes a one-time lump sum payment, whenever any such disease is detected. The otherwise expensive treatment can thus be managed, by an additional payment of some nominal amount, along with the premium.

Aditya Birla Health Insurance (ABHI) keeps the needs of its customers at the forefront to offer the best health insurance plan appropriate to your specific needs. ABHI believes in “Health insurance that cares beyond financial protection.”

ABHI is present in more than 2300 cities in India.

ABHI is one of the leading and most trusted health insurance providers in the country. It also rewards you for your healthy lifestyle choices when you choose to buy the health insurance plan from Aditya Birla Health Insurance.