Health insurance for married couples entails various features such as single premium, vast coverage, and maternity benefits. With the ever-rising medical inflation, not having health insurance can cause severe financial losses.
Choosing from Star Health’s dedicated couples’ health insurance helps you beat inflation and be there for each other in emergencies.
Introduction
Marriage brings companionship, shared dreams, and responsibilities. But the most vital among these is health security. In India, healthcare costs rise by over 14% each year.
Therefore, ensuring that you and your spouse are financially protected against medical emergencies is no longer optional. Having health insurance for married couples ensures that your health goals grow together, just like your life goals.
In this blog, let us dive deeper into why you need medical insurance for you and your spouse, and some top plans to consider.
Why Health Insurance for Married Couples is Essential?
As a couple, your health decisions are interconnected. From regular check-ups to unexpected surgeries, a single hospital visit can cost lakhs.
A comprehensive family health insurance plan for married couples helps you manage these expenses without compromising your savings. Key reasons why you should consider it are:
- Dual Protection: A joint medical insurance covers both you and your spouse under one plan. This simplifies management and paperwork.
- Tax Benefits: You can claim deductions under Section 80D of the Income Tax Act for the premiums you pay.
- Cashless Treatment: Insurance providers in India provide cashless hospital networks where you do not have to pay anything out of your own pocket.
- Affordable Premiums: With the new 0% GST rule applicable to health insurance premiums, you can save about 18% on your premiums.
- Comprehensive Coverage: Couples’ health insurance policies include hospitalisation, daycare procedures, ambulance costs, and post-hospitalisation care, among other benefits.
The Role of Rising Cost of Healthcare in India
India’s healthcare inflation continues to outpace general inflation. Private hospitals are 2–20 times more expensive than public ones. Surgeries, maternity insurance, and lifestyle-related treatments such as cardiac procedures or diabetes management have become significantly costlier.
Investing in a couple’s health insurance plan early not only keeps premiums affordable but also ensures continuity of coverage as your health requirements grow.
How Does Health Insurance for Married Couples Work?
A health insurance for spouses operates like a family floater plan, where both individuals share a single sum insured. This makes it convenient and cost-effective. Here is how it typically works:
- Single Premium: You pay only one premium for both partners.
- Shared Sum Insured: The total insured amount you choose can be utilised by either partner.
- Renewal Benefits: Star Health offers lifetime renewability and a no-claim bonus that can increase your sum insured over time.
- Maternity and Wellness Benefits: Many plans include maternity cover, fertility support, and preventive health check-ups, which are ideal for couples planning a family.
What is the Best Health Insurance for Married Couples in India?
Star Health offers several options tailored for couples seeking comprehensive health protection. Here are 3 popular choices:
- Star Comprehensive Insurance Policy
- Sum Insured: Rs. 5 lakhs to Rs. 1 crore
- Policy Term: 1 year to 3 years
- Benefits:
- Covers both spouses under one plan
- No sub-limits on room rent
- Includes maternity cover and newborn care
- Health check-up benefits after every claim-free year
- Family Health Optima Insurance Plan
- Sum Insured: Rs. 3 lakhs to Rs. 25 lakhs
- Policy Term: 1 year to 2 years
- Benefits:
- Single premium for the entire family, including spouses
- Automatic restoration of the sum insured by 100% once exhausted
- Coverage for hospitalisation, modern treatments, and daycare procedures
- Cashless treatment at Star Health’s vast hospital network
- Young Star Insurance Policy
- Sum Insured: Rs. 3 lakhs to Rs. 1 crore
- Policy Term: 1 year to 3 years
- Benefits:
- Ideal for newly married couples below 40 years
- Optional wellness and fitness benefits
- Coverage for mental health and modern medical procedures
- 10% discount on 2nd year premium (2-year policy) and 11.25% discount on 2nd and 3rd year premium (3-year policy)
Each of these policies provides flexible coverage, comprehensive protection, and peace of mind for couples looking to build a healthy future together.
Factors to Consider Before Buying Health Insurance for Married Couples
When selecting a plan, you need to think beyond just premiums. A cheaper plan might exclude critical treatments or have lower claim limits. Therefore, here are some factors to keep in mind:
- Sum Insured: Choose a coverage that reflects your city’s medical costs. For metropolitan areas and tier 1 cities, a minimum coverage of Rs. 10 lakh to Rs. 15 lakh is advisable.
- Cashless Network: Check the number of hospitals near you offering a cashless facility. Star Health has 14,000+ network hospitals across India.
- Co-Payment Clause: Always choose a policy with lower or no co-payment options for easier reimbursements.
- Pre-Existing Diseases: Star Health typically covers pre-existing illnesses after a waiting period, depending on the policy type.
- Maternity and Newborn Coverage: If you plan to start a family, choose a plan that offers maternity and newborn care with minimal waiting periods.
- Renewability: Lifelong renewability provides you with uninterrupted protection. This is especially important as you age.
What is the Cost of Health Insurance for Married Couples?
The health insurance for married couples costs vary depending on several factors such as age, lifestyle, pre-existing medical conditions, and sum insured.
For example, a couple aged 35 can expect to pay around Rs. 19,000 (approx.) annually for a Rs. 10 lakh floater plan, whereas a couple in their 50s may pay Rs. 25,000 or more.
While premiums increase with age, the financial protection it provides far outweighs the cost. By starting early, you not only enjoy lower premiums but also complete waiting periods before you actually need to use the cover.
Why Choose Star Health for Couple Health Insurance?
Star Health and Allied Insurance is one of India’s most trusted standalone health insurers, serving over 3 crore customers nationwide. The focus on customer-first policies, quick claim approvals, and preventive care programmes makes it a preferred choice for couples.
- 14,000+ cashless hospitals
- 97% cashless claims are approved within 3 hours
- 24/7 customer service for all your needs
Final Thoughts
Marriage is a lifelong partnership, and safeguarding each other’s health is one of its greatest expressions of love. With rising medical costs and unpredictable health challenges, choosing health insurance for married couples ensures that you and your spouse stay financially secure, no matter what the future brings.
Take the step towards a worry-free tomorrow by exploring the right Star Health plan for you and your partner. Secure your health, protect your savings, and cherish every moment together.
