Can I remove dependents from health insurance?

Posted on: Oct 31, 2023 | 3 mins | Written by: HDFC ERGO Team

Can I remove dependents from health insurance?

Today, individuals are empowered to prioritise their mental and emotional health over making compromises owing to familial or societal pressure. That’s why people are now more open to the idea of amicable separations rather than forced companionship. But in such cases, what happens to the health insurance where you have added your spouse as a dependent? Can he/she be removed, or for that matter, any other dependents be taken off the plan?

Circumstances For Removal Of Dependents

Coming to your question, “Can I remove dependents from health insurance?” Yes, you can remove dependents from health insurance by contacting your insurance provider if you have personal health insurance. If it’s employer-sponsored insurance, you need to check with the HR department of your company. They will guide you with the necessary forms and processes for removing them. In the case of children, you have to remove them from your family health insurance when they turn 26 or, attain a certain age specified in your plan, become independent, or get married. But if the child has a medical condition such as a disability, he/she can continue to be a dependent.

If you get divorced or separated from your spouse, you can remove him/her from the health insurance plan. Similarly, if you wish to buy separate individual health policies or senior citizen health insurance for dependent parents, you can remove them from your family floater by contacting your health insurance provider and submitting the necessary documentation. You may be asked to provide your personal and policy details to go ahead with the removal.

Implications Of Removing Dependants From Health Insurance Policy

The process of removing dependents from health insurance is easy. However, it can vary between providers and the terms and conditions of your policy. Make sure after the dependent is removed from your insurance, he/she has an alternative health insurance coverage.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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