Add Your Spouse to Health Insurance After Marriage: Expert Advice

• You can add your spouse to your health insurance policy after marriage, either at renewal or mid-term, subject to underwriting norms and documentation like a marriage certificate.
• Consider shifting to a family floater plan for simplified policy management and potentially lower overall premium costs.
• Waiting periods for your spouse will begin afresh from the date of inclusion, even if you have already served certain waiting periods.
• Review your sum insured, consider maternity and prenatal care benefits, and check the insurer’s cashless hospital network.
• Premiums qualify for tax deductions under Section 80D, and adding your spouse increases the deduction limit.