Planning Your Wedding in 2022? Plan Your Health Insurance Too!

Posted on: Dec 15, 2021 | 3 mins | Written by: HDFC ERGO Team

Planning Your Wedding in 2022? Plan Your Health Insurance Too!

There is no doubt that a wedding is a celebration of a lifetime and a major milestone in one’s life. Besides love and companionship, marriage brings about a sea of changes in a couple’s life and many new responsibilities. From providing for your family financially to taking care of their health and emotional wellbeing, there are many things you need to keep in mind. However, while basking in the glow of a new chapter of life, couples often forget about the important decisions they need to take for a secure future. For instance, a health insurance policy is one of the things many overlook. Like, even if you have a health insurance policy already, do you know how it will work after your marriage? And in case you don’t have one, what will be the best health insurance for you? If one of the partners has a health plan, they can include the other in the same plan. However, there are different scenarios to consider when adding your partner to your health plan. Here’s a look at the scenarios and relevant solutions for each.

Health insurance options for men for their wives

Scenario 1: Wife covered under her parents’ health insurance plan

• Your wife can be in the same plan till the allowable age, which is 21 or 25 years .After that, you can buy one of the best health insurance policies for her alone or take a family floater policy.

Scenario 2: Wife has an individual health plan

• If your wife is financially independent and has a health plan, she can change her last name in the existing plan and continue with it.

• Another option is that she can port her existing plan to an individual health insurance policy with her new surname.

Scenario 3: You have a family floater plan and your wife has none

• If you have a family floater that covers you and your parents, you can include your wife in the same plan. You can do this immediately after marriage by filling a proposal form and paying the additional premium.

• You can also include her in your family floater policy at the time of policy renewal.

Health insurance options for women for their husbands

Scenario 1: Wife has a health plan

• If you are financially independent and have a health plan from before your marriage, you can convert it to a family floater policy and include your husband in it.

• If your husband has a separate plan already, you can change your surname in your health plan and continue with it.

Scenario 2: Wife has family floater

• If you bought a family floater for yourself and your parents before marriage, you can now include your husband in your family floater instead of your parents.

• You can alternatively buy a new family floater for yourself and your husband and also keep the existing family floater with your parents. Remember to inform both the insurers about your health plans to avoid hassles when filing a claim.

Health insurance options for couples

Scenario 1: Both husband and wife don’t have health insurance

• Both of you can take a family floater policy and stay covered under a single health plan. The financially independent partner can be the proposer.

• You can also take separate health insurance plans. If the husband is financially independent, he can be the proposer in both policies. If both husband and wife are financially independent, they can be the proposers in their individual plans.

Conclusion

If you are planning your wedding soon, make sure you plan your health insurance keeping the above-mentioned points in mind. Considering that medical emergencies can happen anytime, staying covered under the best health insurance is important. When you have an adequate health policy, you can opt for the finest treatment without fretting about the hospital bills.

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

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