Health Insurance for Newly Married Couples Benefits

Health insurance plan for newly married couples refers to a comprehensive medical insurance plan that covers the health-related expenses of both spouses. The coverage amount of these health insurance plans is be shared among all the insured members of a family. In this case, husband and wife share the insurance coverage.

These plans usually cover a wide range of treatments and medical procedures, including maternity care, hospital stays, daycare services, etc. Since newlyweds are expected to start their family in future, health plans covering maternity care are essential for them.

Moreover, there are many health insurance plans for newlyweds that offer cashless hospitalisation so that you don’t need to bear any out-of-pocket expenses.

Health insurance for newly married couple protects the husband and wife from health-related emergencies. It offers financial coverage for the expenses incurred in medical treatment, hospital stays, ambulance charges, etc. Here are the advantages of purchasing the best health insurance for married couple:

Health insurance for newly married couple helps manage the increasing medical expenses, gaps in coverage in corporate or parental health plans etc. Couples should consider some crucial factors like the sum insured amount, benefits, etc., while buying a health insurance plan.

Here are some of the factors to consider while buying health insurance for newly married couples:

Newly married health insurance plans offer an extensive coverage including hospitalisation costs to maternity expenses, ambulance charges to preventive health checkups, etc. However, the coverage may vary from one insurer to another, so it is necessary to check the inclusions of your health insurance plan while buying a policy.

Here are some of the basic inclusions of couple health insurance policies:

• In-patient hospitalisation expenses
• OPD coverage
• Maternity benefits
• Day care treatments
• Daily cash benefit
• Preventive health checkups
• Pre-hospitalisation expenses
• Post-hospitalisation expenses
• AYUSH treatment expenses
• Coverage for consumables
• Organ donor expenses
• Domiciliary treatment
• Ambulance charges
• Mental health coverage

While buying health insurance for newly married couples, you should also check the expenses that are not covered under the plan. Having a clear idea of the health insurance exclusions is necessary to avoid claim-related hassles.

Though it may vary based on insurers or plans, here are some of the basic exclusions of health insurance for couples:

• Sterility or birth control
• Treatments from foreign countries are not covered unless they are specified in the policy.
• Dental treatments are not caused by accidents
• Injuries or illnesses caused by illegal or criminal acts
• Plastic surgeries or cosmetic treatment
• Expenses caused by self-inflicted injuries or suicide
• Routine health checkups
• Internal congenital and genetic diseases or disorders
• Obesity or weight control procedures
• Health-related expenses caused by drug or alcohol abuse and associated treatments
• Injuries or illness caused by foreign enemy actions, war, or nuclear events.

Health insurance for newly married couples safeguards you and your spouse from the expenses incurred during sudden medical emergencies. Therefore, you should choose the right insurance plan as per your health needs to ensure adequate coverage within your budget.

Here are some of the tips to follow while selecting a newly married health insurance policy:

• Couples looking forward to starting their family soon should opt for a health insurance plan that covers maternity and newborn expenses.
• A family floater plan is cost-effective when seeking coverage for both partners. This policy will cover both partners under the same plan, allowing them to share the sum insured amount in case of medical needs.
• You can add riders to your couple's health insurance plan to extend the coverage benefits. Riders like critical illness cover, maternity cover, personal accident cover, etc., can be beneficial for both partners.
• If any of you have a pre-existing health condition, consider choosing newly married health insurance plans that cover pre-existing diseases after a pre-decided waiting period.
• Before finalising your decision, always check the CSR (claim settlement ratio) of your insurance provider. A high CSR closer to 100 is ideal as it indicates that the insurance provider has settled maximum claims, establishing its reliability among the policyholders.
• The waiting period of a health insurance policy may vary depending on the coverage of specific treatments or illnesses. If you are seeking immediate health insurance coverage, consider checking and comparing the waiting periods of various plans before selecting one.
• Consider buying health insurance plans with lifetime renewability. This will save the couple from the hassles of finding a new policy after the existing one matures.
• While buying a health insurance policy, check whether it offers a no-claim bonus. It is a discount that you can avail when you maintain a claim-free year, offering a higher sum insured or lower premiums.

You can buy health insurance for newly married couples online by following some easy steps. Though the steps may vary from one insurer to another, the overall procedure remains the same. Here are the steps to follow while buying a couple of health insurance plans:

Step 1: Visit the website or mobile app of your preferred insurance provider. Enter your basic details.

Step 2: Select a health insurance plan suitable for a newly married couple. Decide the sum insured amount, choose the necessary add-ons, and check the premium amount.

Step 3: Enter the required details of all the insured members, including age, health status, etc.

Step 4: Submit your KYC and pay the health insurance premium using your preferred payment method to complete the procedure.

Step 5: Once you have completed the application procedure, the insurer will review it. They may request information regarding your lifestyle, health declaration, medical reports, etc. The insurer will issue your couple's health insurance policy as per your medical underwriting. You will receive the policy details via email.

Married couples can make certain mistakes while buying a health insurance plan. You may end up being underinsured or paying higher premiums unnecessarily. Therefore, you should remain careful and avoid committing these mistakes while choosing an insurance plan.

Newly married couples can claim their health insurance coverage in two ways. They can either opt for cashless claims or the reimbursement method based on their need and mode of treatment.

The steps for both these procedures are provided below:

You need to provide some crucial documents to the insurance company while making a reimbursement claim for your health insurance policy. If the right documents are not provided, you may face a claim rejection.

Though the documents may vary based on the insurer, here are the basic documents required for a health insurance claim:

• Completely filled out health insurance claim form
• Hospital discharge certificate
• Hospital bills
• Receipts copy of all the payments made in the hospital
• Medical test reports
• A copy of your couple's health insurance policy paper or your health card
• Papers that record doctors' consultations and operating theatre reports
• Pharmacy bills, including the prescriptions of the doctor and payment receipts
• Identity or age proof (Aadhaar card, PAN card, passport, voter ID, driving license, birth certificate)
• Address proof (Aadhaar card, passport, utility bills such as electricity, water, gas – recent, rental agreement)
• Previous medical reports (if any)
• KYC Documents (PAN Card for financial verification, Aadhaar Card for identity and address verification, Photograph and bank details)
• Any additional documents requested by the insurer.

Health insurance for newly married couples is crucial to ensure the necessary protection for their future healthcare needs. The right health plan provides coverage for extensive healthcare needs such as hospitalisation, daycare, maternity, newborn care, etc. However, to avail the maximum coverage, newly married couples should follow the required considerations while choosing a plan.