Comprehensive Couples Health Insurance Plans

Discover affordable and comprehensive family health insurance plans designed for couples. Compare options and understand benefits.
Get Quote
Check Health Insurance Plans
Get Quote
3 min
01-June-2024

Health insurance has become highly crucial in today's world, especially considering the escalating costs of medical treatment. The importance is further emphasised when it comes to couples, whether they are newly married or have spent years together. Family health insurance for couples serves as a valuable financial instrument for protecting against health-related uncertainties. Reviewing and understanding the most suitable health insurance for couples can help in making informed decisions about securing future health-related expenditure.

How is a family health insurance suitable for couples?

A family health insurance plan is a type of family medical coverage which a couple can opt, typically spouses or partners. Unlike individual plans, these policies cater to the health needs of family and if opted by couples then for both individuals under a single umbrella of family health insurance, often at a reduced cost compared to separate policies. This kind of plan simplifies management, ensuring both partners receive adequate healthcare without the hassle of juggling multiple policies.

Benefits of family health insurance for couples

Family health insurance plan opted by cpuples offers numerous advantages that make it an attractive option for married and cohabitating partners:

  • Cost savings: Typically, health insurance plans for couples come at a lower premium compared to purchasing two individual plans.
  • Simplified management: Having one plan for both partners simplifies billing, renewals, and claims processing.
  • Comprehensive coverage: A family health insurance plan for a couple often provides extensive coverage, including preventive care, emergency services, and specialist consultations.
  • Shared benefits: Both partners can access the same benefits and services, ensuring equality in healthcare provision.
  • Financial protection: These plans offer a safety net against high medical costs, providing peace of mind for unexpected health issues.
  • Tax benefits: Premiums paid towards the health policy can be deducted from taxable income under Section 80D of the Indian Income Tax Act.

Pro Tip

Avail hospitalisation and treatment benefits with health insurance plans starting at just Rs. 15*/day.

health-insurance-banner

How to choose the right health insurance plan for couples?

Selecting the most suitable health insurance for couples involves careful consideration of several factors. Given below are a few things to consider when buying a family health insurance plan:

  • Assess your health needs: Evaluate both partners' current health status and any specific medical needs. This helps in choosing a plan that provides necessary coverage.
  • Compare coverage options: Look at what different plans offer in terms of inpatient and outpatient services, medications, and specialist visits.
  • Check the network of providers: Ensure that the insurance plan includes your preferred doctors and hospitals within its network.
  • Consider the premiums and deductibles: Balance between affordable insurance premiums and manageable deductibles to ensure the plan fits your budget.
  • Review customer service: Good customer support is crucial for addressing queries and managing claims efficiently.

Comparing family health insurance plans for couples

When comparing health insurance plans for couples, consider the following aspects:

  • Coverage scope: Compare what each plan covers, including preventive care, chronic disease management, maternity benefits, and mental health services.
  • Cost: Evaluate the premiums, deductibles, co-pays, and out-of-pocket maximums. Look for plans that provide the best value for the services you need.
  • Provider network: Ensure the plan has a robust network of healthcare providers, including specialists you might need.
  • Policy terms: Examine the terms and conditions, including exclusions, waiting periods for specific treatments, and renewal policies.
  • Additional benefits: Some plans offer wellness programs, telehealth services, and discounts on fitness memberships. Consider these added benefits when making your decision.

Also, read: Things you should know about family insurance

Cost of family health insurance plans for couples

The cost of family health insurance for couples varies based on several factors, including age, health status, coverage level, and location. Generally, couples can expect to pay a monthly premium, which might be lower than the combined cost of two individual plans. Additionally, couples should consider:

  • Deductibles: The amount you need to pay out-of-pocket before the insurance starts covering expenses.
  • Co-pays and co-insurance: Fees you pay for specific services, such as doctor's visits or prescriptions.
  • Out-of-pocket maximums: The total amount you'll spend in a year before the insurance covers 100% of costs.

By carefully reviewing these costs, couples can choose a plan that offers the best balance between affordability and coverage.

Coverage options for  family health insurance plans for couple’s

Family health insurance plans for couple come with various key coverage options to cater to diverse needs:

  • Preventive care: Includes routine check-ups, screenings, and immunisations.
  • Hospitalisation: Covers inpatient services, including surgeries and overnight stays.
  • Outpatient services: Covers visits to doctors, specialists, and diagnostic tests
  • Prescription drugs: Includes coverage for medications prescribed by healthcare providers.
  • Maternity and newborn care: Essential for couples planning to start a family, covering prenatal and postnatal care.
  • Mental health services: Provides access to counseling, therapy, and psychiatric services.
  • ehabilitation services: Includes physical therapy and other rehabilitation services for recovery from injuries or surgeries.
  • Emergency services: Covers emergency room visits and ambulance services.

Also, read: Newborn health insurance

Family health insurance for couples is a strategic investment in the well-being of you and your partner. By understanding the benefits, assessing your needs, and comparing different plans, you can find the most suitable health cover for couples that offers comprehensive protection and peace of mind.

Frequently asked questions

What are the main benefits of having a family health insurance plan for couple ?

Family health insurance plans for couple offer cost savings, simplified management, comprehensive coverage, shared benefits, and financial protection, ensuring both partners receive equal, high-quality healthcare while managing medical expenses more effectively.

How do I choose the most suitable health insurance plan for me and my partner?

To choose the most suitable health insurance plan for you and your partner, assess your health needs, compare coverage options, check provider networks, balance premiums and deductibles, and review customer service quality.

What factors should couples consider when comparing health insurance plans?

When comparing health insurance plans, couples should consider coverage scope, cost (premiums, deductibles, co-pays), provider network, policy terms (exclusions, waiting periods), and additional benefits like wellness programs and telehealth services.

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.