Changes to make in your health insurance policy post marriage

Posted on: Jun 28, 2021 | 3 mins | Written by: HDFC ERGO Team

Changes to make in your health insurance policy post marriage

Marriage brings in many changes in life. You become way more mature and careful of your choices once you decide upon getting married. Perception changes, responsibilities change, life changes. And as managing finances is also a component of life, marriage also has an impact on it. Perception changes, responsibilities change, life changes. And as managing finances is also a component of life, marriage also has an impact on it.

Here are the changes you need to make in your health insurance:

Upgrading individual insurance to family health insurance

Once you get married it means you are ready to become a family and to secure your spouse’s health make sure you upgrade your health insurance and choose from health insurance plans for family. Perception changes, responsibilities change, life changes. And as managing finances is also a component of life, marriage also has an impact on it.

Maternity cover

The waiting for health insurance policies is usually 0-4 years and this is a important aspect of the health insurance policy. Hence, when you decide to get married get the maternity cover as you can only avail this benefit once the waiting period is over.

Best health insurance

While you can make necessary changes in your health insurance policy or even buy a new one, you can also choose to discontinue with your current health insurer. You can opt for changing your health insurer completely if you feel dissatisfied with the offered cover, service, and other features. Remember, there is a vast array of new-age insurers offering health insurance policies at a low premium price without limiting the coverage. Many even have better service-related features. It would be best for you to compare all the health insurers and find the best health insurance according to your medical requirements.

Analyze your requirement

Time changes and so does health. There are major chances that at the time you purchased your current health insurance policy your health was in a different shape. From that until now, your health would have undergone multiple changes be it due to lifestyle, any illness or any other reason. At present also, getting married is one big lifestyle change that will influence your health condition. Therefore, it is significant for you to conduct a detailed analysis of your health state and may be invest in a suitable health cover to cope with the changes already there or yet to come.

Add- ons available

Marriage is a big change in one’s life that initiates a string of multiple other changes. You should prepare yourself for all the changes you will be encountering in the coming time as well as make your health insurance policy ideal for you and your partner.

Conclusion

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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