Newlyweds should choose a health policy with pregnancy benefits.
According to insurance experts, a husband and wife should choose a health insurance plan where each gets a sum assured of Rs 10 lakh.
An extraordinary Indian wedding goes beyond simply two people agreeing to live together for life. Domestic relations are always given priority in the life-long journey of a newly married couple, whether they live in a nuclear family or a joint family. One aspect of a newly married couple’s life that is affected by these family ties is their health insurance. Having health insurance as a fallback in case of a medical emergency sounds comforting. Rising medical costs place additional emphasis on obtaining quality health insurance coverage. If you are recently married or intend to get married soon, here are five reasons to consider taking a family health insurance plan in India.
To cover all their medical needs, even if one of the spouses has company health insurance, they need to purchase individual insurance coverage additionally. According to insurance experts, a husband and wife should choose a health insurance plan where each gets a sum assured of Rs 10 lakh. The couple has the option of purchasing a family floater plan with an additional cover of Rs 25 lakh. If your financial condition is good, you can also enroll in a health plan that provides coverage of up to Rs 1 crore.
Just-married people should opt for a health policy with pregnancy benefits. Expenses during pregnancy and delivery are covered by the maternity benefit. If you already have insurance, it would be best to add a maternity add-on after marriage.
While getting a family health insurance policy, an individual may be eligible for tax benefits depending on the exact form of the policy chosen. As per section 80(d) of the Income Tax Act, such tax deduction is available. With a family mediclaim policy, you can be assured of comprehensive health insurance coverage while saving money. If you are covered by your parents’ health insurance plan, you may want to keep your health insurance after you get married. Additionally, there is no requirement that you live with your parents in order to maintain coverage.
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