Getting Married? How to Modify Your Health Insurance Plan

Marriage brings significant changes in your life, including increased financial needs. While you have included your spouse in your life, make sure to include them in health insurance, too. Having a health insurance plan for both of you is crucial to start your new life with safety. Let’s find out how you can modify your health insurance plan after getting married.

Health Insurance Changes to Make After Marriage

Understand the Medical Needs

Before you change medical plans, make sure to have a deep discussion with your spouse. Understand each other’s medical needs. If either or both of you have a medical history or pre-existing disease, then changes need to be made accordingly.

Add Your Spouse

If you have a health insurance plan that has sufficient coverage for both of you, you can add your spouse to the health insurance coverage. To do this, you need to be prepared to submit the required documents, such as a marriage certificate, your spouse’s details for KYC and other requested documents.

Upgrade to Family Insurance Plan

Another decision you can make is to upgrade your individual health insurance plan to family health insurance. Family health insurance provides coverage for your family members, including spouse, children and parents. It is a great choice for young couples as it has an affordable premium price and provides adequate coverage for both.

Network Hospitals

If your current health insurance plan has network hospitals at your current location only, then you might have to make some health insurance changes before shifting with your spouse to a new location. You can also consider moving to a new insurance provider with an extensive network of hospitals.

Opt for Maternity Cover

A newly married couple planning to grow their family must include maternity coverage in their health insurance. You need to discuss your plans regarding this big step with your spouse and then make the decision to “change my health insurance” for a growing family. Make sure to decide on time, as maternity cover has a waiting period of 4 years before you can make any claim.

Buy Add-on Covers

Add-ons or riders help increase the coverage range of your existing health insurance. With the addition of your spouse in the family, you should think about getting some add-ons for better protection for both of you.

Some of the most recommended add-ons to choose from are critical illness cover, personal accident cover and top-up covers to make the necessary health insurance changes.

Change Medical Plan Provider

While you are making health insurance changes for better protection for yourself and your spouse, make sure to re-evaluate your current insurance provider. Research other insurance providers and their coverage plans and then make any decision. If you find any other insurance provider that has better insurance features at an affordable price, move to their plans.

Wrapping It Up

Marriage is a new journey in your life, a journey that you embark on together. In this new phase, it is important to make changes to your financial plans and include your spouse in them.

This inclusion is not just about finances but about building a unified future. Start by making the necessary health insurance changes, including your spouse in it, opting for better coverage. Most importantly, talk to your spouse and insurance provider for better decision-making.