Family Health Insurance: 5 Reasons why Newly-wed should Consider It


Family Health Insurance: 5 Reasons why Newly-wed should Consider It

The union of two families through marriage is a turning point in anyone's life. Two people begin sharing their highs and lows, future plans, and home. Amid these new beautiful changes in life, you may also want to look out for each other's physical and mental well-being. Health insurance for newly married couples can be one way to ensure collective healthcare. Family health insurance covers all the family members under a single health plan. Since a wedding introduces new members to the family, like your spouse and in-laws, having comprehensive family health insurance can be a great choice.

Health issues remain unforeseen, and diseases and mishaps may take a toll on your health and savings. With a health insurance plan in place, you can manage the medical expenses and emotional strain. Read on as we discuss how newly married health insurance can benefit the whole family.

Here’s why Health Insurance for Newly-wed Couples is Suggested

A health insurance plan has become a necessity for everyone, especially amid rising medical expenses that may impact your savings otherwise. As a newlywed couple, you may already have a long list of upcoming expenses. Do not let medical emergencies eat up your savings and disrupt your future plans. Here are the top 5 reasons why you may consider investing in the best health insurance policy for newly married couple:

1. Comprehensive Healthcare

A family health insurance plan covers all the family members in a single plan. With a higher sum insured, comprehensive coverage, and a single premium, it becomes easier to manage the policy.

With a family health plan, as those offered by Care Health Insurance, you may enjoy a sum insured up to ₹1 crore per policy year for the whole family. It also covers pre and post-hospitalisation, AYUSH treatment costs, organ donor expenses, critical illnesses, daycare treatments, and so on. In case your sum insured gets exhausted, with the benefit of unlimited automatic recharge of sum insured, you can remain covered round the clock. 

2. Maternity Coverage

As a newlywed couple, you may want to consider extending your family. While planning a baby can be one of the most exciting journeys, it also comes with additional expenses. From prenatal to newborn  care, the expenses can be endless. In order to manage these expenses, investing in family  health insurance can be a great choice. While some insurers offer maternity coverage as an in-built cover in their family health insurance, some others offer it as an add-on benefit to the basic cover. 

Also, insurers like Care Health Insurance offer separate maternity cover called ‘Care JOY’ that covers mother and the newborn for various hospitalisation expenses.

3. Hassle-free Addition of New Members

With family health insurance in place adding a new family member is easier. Your spouse or baby will be eligible to enjoy existing policy benefits of family floater plan. Adding new members to the existing family floater plan is quite easy and hassle-free with most of the health insurers. All you need to do is inform your health insurance provider and do the needful to complete the process.

4. Easy on Pocket

Family health insurance is easy on the pocket since a single premium has to be paid for the entire family’s coverage. With the concept of family health insurance, the premium is no longer a costly affair owing to the types of coverage offered under the plan. Also, if you or any of your family members already have covered under a corporate health plan, the family health plan may act as an additional cover.

5. Saving through Tax Benefits

Tax saving is a major benefit that you can get when you opt for newly married health insurance. Under Section 80D of the Income Tax Act of 1961, a policyholder can enjoy a tax deduction of up to ₹25,000.

>> Also Read: What Happens to a Family Floater Policy if the Proposer Dies?

Care for Your Loved ones with Care Health Insurance

Care Health Insurance offers a number of  health insurance plans including Care Supreme, Care Advantage,  health insurance for senior citizens, maternity health plan, critical illness cover, which can be considered for both newly-wed and family. The scope of coverage offered under these plans is vast. To name a few:

  • AYUSH treatment
  • Cashless hospitalisation
  • Daycare treatment
  • Annual health check-ups
  • Domiciliary hospitalisation
  • Pre and post-hospitalisation
  • Advance treatment cover
  • Ambulance cover
  • In-patient care
  • Organ donor cover
  • Chronic and lifestyle illnesses cover

Unlimited recharge of sum insured

Despite being comprehensive in nature, offering coverage for certain  extreme health conditions are not feasible under most health plans. These conditions, called exclusions, typically include:

  • Self-inflicted injuries
  • Suicide
  • Claims during a waiting period of 30 days, except for the accidents
  • Infertility and in-vitro fertilisation expenses
  • War, riots, strikes, etc.
  • Drugs or alcohol abuse
  • You can refer to the complete list of exclusions to avoid any consequence during a claim.

Let’s Wrap it Up

Newly married health insurance can act as a health shield for both the partners. Ensuring the well-being of your partner can be one of the best gifts you can give them. If you have marriage on the cards or are already married, investing in a family health plan can be a great decision. In case you already have a family health plan, you can get in touch with your insurer to add new members to the plan, like your spouse, child and in-laws. The single premium policy makes it extremely affordable for many families to avail of quality healthcare. Cashless features further make the process light on your pocket.

At Care Health Insurance, you can purchase an affordable family health plan offering comprehensive coverage for your entire family. Choose a plan as per your needs and stay covered.

Disclaimers: The above information is for reference purposes only: Policy Assurance and Claims at the underwriter's discretion.


+91 verified
Please enter a valid mobile number
Please enter a valid Full Name
I have read and agree to the Terms & Conditions
Please select terms and conditions
Get updates on WhatsApp

Articles By Category

Health Insurance Articles
Family Family
Senior Citizens Senior Citizens
Maternity Maternity
Surgery Surgery
Heart Heart
Tax & Investments Tax & Investments
Lifestyle Lifestyle
Awareness Days Awareness Days
Child Care Child Care
Money Saving Tips Money Saving Tips
Festive Days Festive Days
Covid-19 Covid-19
Travel Insurance Articles
International International
Student Student
Travel Tips Travel Tips
Visa Visa
Passport Passport
Insurance Guide
Health Health
Travel Travel
Reach out to us
Whatsapp Chat 8860402452



Chat with Us

Please Select Chat Option ×
Buy New policy To explore and buy a new policy
Existing policy enquiry for assistance with your existing policy