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Plan Your Health Insurance Along With Your Marriage

By Juhi Walia
21 October 2022, 2:53 PM

A wedding is undoubtedly a once-in-a-lifetime occasion and a significant life milestone. A marriage alters a couple's life drastically and adds a lot of additional responsibilities on top of love and companionship. You need to keep countless things in mind, from supporting your family financially to caring for their physical and mental needs. However, couples frequently overlook the crucial choices they must make for a secure future while basking in the glory of a new chapter in their lives. One thing that many people overlook, for instance, is a health insurance policy. Do you know how your health insurance will function if you get married, for example, even if you already have it?

Marriage should not alter the fact that health insurance is a necessary planning product that belongs in your portfolio. Men with insurance should prioritise their spouses to be included in their health insurance, and women with separate coverage should also start incorporating their husbands. There are, however, a variety of situations to consider while integrating your spouse from the perspectives of both sexes. Consider each in search of an appropriate response.

Men's Options for Their Wives in Health Insurance

  • Your wife might have been protected by her parents' family floater health insurance plan, which she can keep up until age 21 or 25. After that, you need to purchase an individual health plan or a family floater plan to cover your wife. If you are buying an individual plan and your wife depends on you financially, you can function as the plan's proposer and even deduct the cost of the premiums paid from your taxes.
  • Your wife might have independent health coverage because of being self-sufficient financially. You have a couple of choices in this situation: You can transfer the plan to another individual plan under her married name, or she can keep her plan and change her maiden name through an endorsement.
  • If you currently have a family floater plan that covers you and your dependent parents, you can add your wife immediately after getting married or at the time of renewal. Filling out a fresh proposal form and paying a prorated charge for your wife's inclusion will allow immediate admission.

Women's Options for Their Husbands

  • Being financially independent is a normal thing in the present world. If you are also wise enough to have a pre-marriage health insurance plan already, you can change it to a family floater plan that also covers your spouse. You can carry out your goal by changing your name, even if your husband has separate plans.
  • In the case of having a family floater plan for your parents before you get married, you can decide to change it after getting married to include your husband instead of your parents. Alternatively, you can keep the previous plan in place while also purchasing a new family floater plan that covers you and your husband. However, you would need to notify both insurers about your policies since the insurers would pay a proportionate share of the claim in case of a health insurance claim.

Alternatives for A Couple

  • You can purchase two separate individual policies for each of you if neither of you has health insurance coverage. If the wife depends on her husband economically or vice versa, the economically independent member can be a proposer in both plans. In contrast, if both parties are economically dependent, the husband may propose in his policy, and the wife could propose hers. Each of them can claim an exemption from paying taxes in this way.
  • Suppose one of the spouses is a proposer and financially independent individual. In that case, the couple can get a family floater health insurance plan that covers both lives under a single plan.

Reconsidering the Existing Coverage 

You and your spouse need different healthcare, so you need an insurance plan that covers those illnesses. For instance, you should look for a health insurance plan that includes diabetes coverage as an add-on benefit if your spouse has the disease. Likewise, if you're considering starting a family, you should seek a health insurance plan that provides maternity coverage for both the first and subsequent children.

Even if you already had a family plan before getting married, it was probably bought many years ago, and the scope of the coverage might no longer be relevant to you or your family. You may think about opting for a plan with better coverage alternatives.

Don't Forget the Maternity Insurance

Maternity health insurance is created specifically to cover maternity costs. In most cases, maternity insurance is not a stand-alone insurance plan. Instead, it is a component of a whole health insurance program. Maternity benefits are not included in plans unless chosen; therefore, they frequently need to be purchased as riders. The importance of a maternity plan in contemporary society cannot be overstated.

Maternity costs have multiplied as a result of medical inflation. The scale and prestige of the hospital typically correlate with a rise in medical costs. A maternity insurance plan might help the hefty costs of maternity hospitalisation. Maternity and the new infant are covered by health insurance with maternity benefits. The best way to safeguard an infant is to purchase maternity insurance, as these plans cover newborns from day one.


Therefore, in addition to the many changes that marriage brings, your health insurance coverage needs to be adjusted to cover your spouse. Consider your condition when making a plan, and take comfort in knowing that you are covered for unforeseen medical expenses.

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1. Is it necessary to purchase new family health insurance after getting married?

No, you are not obligated to modify your health insurance after getting married. But remember that managing a single family plan is far simpler than managing several separate plans.

2. How can your spouse be added to your current health insurance?

The insured person must notify their insurer of the change, start the procedure, complete any necessary forms, and provide KYC documentation and a marriage licence. The modification will take effect with the subsequent policy renewal, at which point you will be made aware of any adjustments to the premium.

3. What paperwork is needed after marriage to add your spouse to your health insurance?

You will need to procure a few documents, including your marriage certificate and KYC documents like identity credentials, age proof, and a recent photo, to join your spouse on a current policy, whether corporate or private.

4. Should you change your insurance after getting married?

You can always add your spouse or yourself to an existing family or company health plan. However, you are required to do so at the time of renewal if you're switching to a new family health insurance after getting married.

5. If you're married, will the cost of your health insurance increase?

Your health insurance premiums may go up a little. This will also depend on your chosen type, as a family floater policy will cost less than two individual policies. Furthermore, younger married couples will pay a smaller premium than older newlyweds.

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