Best Health Insurance Tips for Newly Married Couples

Posted on: Jun 17, 2025 | 3 mins | Written by: HDFC ERGO Team

Best Health Insurance Tips for Newly Married Couples

Getting married is a big and exciting step in life. However, along with all the joy and fresh starts, it's also a good time to think about some of the practical stuff, like health insurance. As a couple, your healthcare needs may change, so it is important to make sure you both have the right coverage. You might need to decide between keeping individual plans or switching to a joint one, adding your spouse to an existing policy, or choosing a family floater that covers future needs. If you are looking into health insurance for newly married couples, the tips below can help you find a policy that fits both of your healthcare needs.

Best Health Insurance Tips for Newly Married Couples

Here are some tips that can help you make the best health insurance choices for your new life together:

• Review both health insurance plans:

Take the time to review both your individual plans. Check what each policy covers, the benefits they offer and any differences in costs. Since one plan might offer better coverage than the other, it is worth comparing them before deciding whether to keep separate plans or switch to a joint one.

• Consider a family floater plan:

If you and your partner have separate health plans, switching to a family floater could be a smart move. These plans offer comprehensive coverage for a range of medical expenses and can help you save money in the long run. Since the coverage is shared among family members, the plan usually comes with a higher sum insured, while the premiums are often more affordable compared to having individual policies.

• Check if you can add your spouse:

If you want to stick with your individual plans, make sure you can easily add your spouse as a dependent. Some plans might have a waiting period, so check the details and make the necessary changes soon after your marriage.

• Think about long-term coverage needs:

As a newlywed couple, you may be thinking about starting a family soon. While having a baby is an exciting journey, it also increases your expenses. From prenatal care to taking care of your newborn, the expenses can add up quickly. Therefore, it is wise to choose a policy that includes a maternity add-on.

• Compare providers and plans:

It is a good idea to shop around and compare different plans to see if better options are available in your area. Even if you are happy with your current provider, it is worth checking other companies for more affordable or comprehensive plans. Comparing different providers can help you find the best health plan for both of you.

• Update your beneficiaries:

If you haven't already, remember to update your beneficiary information on your health insurance policy. This ensures that your spouse is covered in case something unexpected happens.

Top Health Insurance Plans for Married Couples

If you are newly married and looking to cover both yourself and your spouse under a health insurance plan, you can consider the following options:

1. Family floater insurance:

A family floater health insurance plan is one of the best options for newly married couples. It can cover both you and your spouse under a single policy with a shared sum insured. This means either of you can use the full coverage amount when needed. The policy is not only cost-effective compared to taking two individual policies but also easier to manage. Moreover, you can include children or parents in the same plan in the future by paying an additional premium.

2. Group health insurance:

Group health insurance is usually offered by employers to their employees as part of their benefits package. If you or your spouse is already covered under a group plan, you can add your partner as a dependant. These plans typically cover hospitalisation and related medical expenses of the policyholders. An important benefit of the plan is that it often has short or no waiting periods for pre-existing conditions.

3. Critical illness insurance:

With life-threatening conditions becoming more common across all age groups, it is wise to have critical illness coverage as an add-on to your regular health plan. This policy provides a one-time lump sum payout if you are diagnosed with a serious illness like cancer, heart attack, stroke or kidney failure. You can use this payout for medical treatment, recovery, or even daily expenses.

4. Super top-up health insurance:

A super top-up health insurance plan provides additional coverage beyond the sum insured limit of your existing health insurance. It becomes active when your medical expenses exceed the deductible. For newly married couples, this is a smart and affordable way to get higher coverage without paying a high premium, especially if you already have a family floater or group plan.

5. Maternity coverage:

If you are planning to start a family soon, it is a good idea to look for health plans that offer maternity and newborn coverage. Some insurance companies offer these benefits as add-ons with family floater plans. They cover delivery expenses and newborn baby care, which can help ease the financial burden. However, most maternity covers have a waiting period of 2-4 years, so it is wise to get one early.

Conclusion

Picking the right health insurance for you and your spouse is a better way to start your life together. Whether you want a family floater, critical illness cover, or a super top-up, there are plenty of options when you decide to buy health insurance.

However, before zeroing in on a plan, make sure you compare a few and select one that fits your needs and budget. This will ensure you have the right coverage for a healthy, worry-free future together.

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

Looking to change your health plan, post-marriage? 5 Things to Consider

Can Couples Split Health Insurance Premiums for Tax Benefits?

Changes to make in your health insurance policy post marriage

Getting married? Know all about your future Insurance needs