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Family health insurance for newly-wed couples
Mar 31, 2023

What Are the Benefits of Family Health Insurance for Newlywed Couples?

Keeping a continuous eye on one’s health has become an essential part of our lives due to the rise in infections. Also, new diseases have made it important that you do not overlook your health under any circumstances, including having financial protection for when serious health issues strike. Health insurance should an essential component of our lives, and it becomes even more crucial when we start a family. Newlywed couples often prioritize the joys of their new life together and overlook the importance of financial planning such as buying health insurance. However, having a medical insurance plan can provide a sense of security and financial stability that can help you and your partner during difficult times. Here is how a medical plan can benefit you, your partner, and your happy future.

Benefits of family health insurance for newly-weds

If you are a newlywed and want to secure your and your partner’s health financially, this is how a family health insurance can be beneficial for you in the long run:
  1. Comprehensive Coverage

Health insurance plans for family coverage provide comprehensive support for you, your spouse, and your dependents. This means that several types of medical expenses, from routine check-ups to emergencies, will be covered under the plan. Additionally, these medical plans typically cover a wider range of treatments and procedures, providing more extensive healthcare coverage. * This all-round coverage ensures that you do not face any difficulties financially nor do you have to dip into your savings.
  1. Cost Savings

One of the health insurance benefits you can enjoy by opting for a family medical plan is that you can save a significant amount of money in the long run. The cost of insuring a family under one plan is generally lower than insuring each one separately. With a medical plan for your family, you only have to pay one premium, rather than multiple premiums for each member. Additionally, these insurance plans may offer more cost-effective co-payments and deductibles, thus not requiring you to opt for any additional plans.
  1. Added Protection

If you have additional dependents, they can also be covered in the plan’s overall coverage. This can include your parents or other relatives. If you and your spouse have a child in the future, you may add them to the plan as well. A medical insurance plan for the family ensures that you do not have to take out individual policies for your other dependents. *
  1. Increased Access to Healthcare

Health insurance plans for family coverage generally offer an extensive network of healthcare providers. This means that you and your family have access to a wider range of healthcare facilities and doctors, giving you more options when seeking medical care. You also get to enjoy the benefit of a cashless claim facility at network hospitals, which is quick and hassle-free. * The cashless claim facility offers peace of mind as well.
  1. Maternity coverage

For newlywed couples who are planning to start a family, health insurance plans for family can be a boon. These plans offer maternity coverage, which typically covers pregnancy-related expenses, including prenatal care, delivery, and postnatal care. Essentially with this plan, you can focus on the joys of having a child without worrying about the financial burden of healthcare expenses. *
  1. Tax Benefits

When you are purchasing a medical plan for your family, you can get tax benefits on the premium you pay towards the policy. Under Section 80D of the Income Tax Act of 1961, you and your partner get to enjoy tax deductions of up to Rs.25,000. If your parents are included in the policy and are below the age of 60, an additional deduction of Rs.25,000 can be claimed. If they are above 60, a deduction of Rs.50,000 can be claimed. Not to mention, preventive health check-ups also offer an additional deduction of Rs.5000. ** Thus, having a family health insurance plan can also help you increase your tax savings in the long run.

How to select the correct policy?

When looking for a suitable plan for you and your family, keep these factors in mind:
  1. Cost of the policy
  2. Additional features offered by the insurer
  3. Number of network hospitals
  4. Claim settlement ratio of the insurer
  5. Time taken to settle a claim


Family health insurance plans are an excellent investment for newlywed couples. They provide comprehensive coverage, cost savings, added protection, increased access to healthcare, family planning benefits, and tax benefits. It is important to carefully evaluate different plans and choose one that best suits your family’s needs and budget. With the right family health insurance plan, you can rest assured that you and your loved ones are covered in case of any medical emergencies, allowing you to focus on enjoying your new life together. * *Standard T&C apply ** Tax benefits are subject to change in prevalent tax laws. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.  

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