Buy Health Insurance after Divorce Online
Divorce often ends shared coverage under a spouse’s policy, making individual health insurance essential. Thankfully, many insurers offer tailored plans for divorced individuals that can be easily purchased online. Securing coverage ensures financial protection and peace of mind as you start a new chapter.
Understanding your health coverage options can help you stay protected, remain financially secure, and limit stress as you embark on a significant life change. Making informed decisions about your health coverage is a key part of moving forward with confidence. Let's explore what health insurance for divorced people means and how to choose the coverage appropriately.
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What is Health Insurance for a Divorced Individual?
In India, health insurance coverage for a divorced individual covers medical expenses after the end of the marriage. After a divorce, you can no longer stay on your spouse's health plan. For example, you have a family floater plan; now, after divorce, you will need to have a health plan as an individual.
An individual health plan helps you manage rising medical expenses, access hospitals without delay, and receive cashless treatment. Many insurance companies cover health plans for divorced individuals and have unlimited room rent coverage, daycare coverage, wellness programs, and pre and post-hospitalisation expenses.
Why Does Health Insurance Matter for a Divorced Person?
When trying to manage your health and finances alone, it can be time-consuming and difficult. This is why personal health insurance is a necessary and prudent option. Here are some top reasons for opting for individual health insurance:
Coverage Loss After Divorce
After your divorce, you will no longer be eligible for coverage under your ex-spouse's health plan, which is why it is imperative to plan ahead and obtain your own insurance to avoid gaps in coverage and resurfacing medical bills.
Protection for Children and Dependents
As divorce negotiations take place, it is imperative to address who will provide health insurance for any children, as it is vital that they remain insured and their healthcare needs are delivered without interruption.
Customisable Coverage for Your Needs
After your divorce, you can select a health plan designed for your own personal needs, including dental, mental health, or alternative therapy benefits that really matter to you.
Financial Protection Against Medical Costs
Health insurance protects you from high out-of-pocket costs associated with medical care. This is especially important post-divorce, when you may be experiencing a change in your finances.
Access to Essential and Preventive Care
Health insurance guarantees access to necessary treatment, prescriptions, and preventative care, which is essential to help you maintain your overall health in part due to the stressful transition.
Special Enrollment and Guaranteed Issue Plans
Divorce is considered a life event, which allows you to apply for new coverage through special enrollment periods or guaranteed issue plans that may not require any medical underwriting. This will help people with pre-existing conditions get coverage without having to wait.
Benefits of Health Insurance for a Divorced Person
Divorces can be complicated to manage when dealing with health and finances. A health insurance plan can reduce stress by helping you pay for medical expenses and providing you with peace of mind during difficult times. Here are some key benefits of having it:
- Covers Medical Payment: It pays for hospital stays, surgeries, doctor visits, tests, and hours of additional stress. You're not paying such a massive amount out of pocket when you have medical needs.
- Access to Cashless Treatment: Most excellent health insurance policies offer cashless treatment at network hospitals. So, in case of medical emergencies, you can focus on your treatment and get better without the worry of paying bills.
- Ability to Add-Ons: You can include additional coverage, such as critical illness and personal accident coverage, as per your needs. It gives better protection with the flexibility to add extra coverage.
- Covers Pre and Post-Hospitalisation: The plan covers expenses incurred on admission, even those made before or after admission. All tests, medicines, and follow-up visits are included within the time frame.
- Tax Benefits: You are permitted to claim deductions under Section 80D of the Income Tax Act on premiums paid. You maximise claims and lower your annual tax liability while remaining insured.
- No-Claim Bonus: In each year of your policy where you don't claim, some insurers will improve your coverage at no extra cost. This bonus helps you build better protection every claim-free year.
- Lifetime Renewability: Most aspects of health insurance will allow you to get renewals for the rest of your life and will not deny you based on your age. The insurer can't refuse renewal as long as you pay premiums on time.
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Why Choose Digit Health Insurance for Divorced Person?
Key Benefits of Health Insurance for Divorced Person by Digit
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key benefits:
*Â These add-ons are subject to underwriting approval and your eligibility at the time of purchase or renewal
How to Choose The Right Health Insurance After Divorce?
Post-divorce, you'll also want a health plan that matches your personal needs, so carefully consider your options and choose a policy that meets your needs. Here is how to pick the right insurance:
- Choose an Individual Health Plan: Family floater plans do not cover a former spouse, so you want to search for a personal policy that meets your age, health, and finances.
- Check Coverage Limits: Select a policy that has a high sum insured, cashless hospitalisation, and some additional benefits such as maternity benefits (if applicable), annual check-ups, and critical illness cover.
- Search for Lifetime Renewability: Make sure you can renew your policy for life, as you may otherwise run into issues with the policy being taken away or cancelled.
- Comparison of Waiting Period: Check how long the pre-existing diseases or specific treatments are covered, and choose a plan with the least amount of waiting time.
- Review Claim Settle Ratio: Select an insurer that has a decent claim settle ratio and that you can approve without issues when you are in a medical emergency.
- Read Terms Carefully: You should know what exclusions, sub-limits, and network hospitals apply before buying, so you aren’t surprised during a claim.
Factors to Consider While Getting Health Insurance for the Divorced
Health insurance requirements can change after a divorce. That is why it is essential to check a few critical items to make sure you find a plan that meets your health requirements and cost constraints. Here’s a breakdown of certain key factors to consider:
Age
Age affects premium costs and insurance coverage options. Premiums are, by and large, higher for older persons than any other age group because of the risk of poor health and, subsequently, risks at higher sum insured limits.
Type of Plan
Do you need an individual health plan, a senior citizen plan, or a critical illness cover? Your health status, health risks in the future, and your situation will determine this.
Amount Insured
Choose a cover that is at least ₹10-15 lakhs so that you can manage your upcoming treatment costs and future medical issues when you're paying for the expenses on your own.
Pre-existing Disease Waiting Period
Know the various waiting periods for pre-existing diseases. There are many plans that either reduce the waiting period if you've held coverage for two years continuously or with accommodation on the premium to waive it.
Common Mistakes to Avoid When Selecting Health Insurance After Divorce
After a divorce, most people focus on dealing with paperwork and finances and skip careful health insurance planning. Here are some common mistakes to avoid while selecting the insurance:
How Much is the Sum Insured in Health Insurance Needed for a Divorced Person?
An individual who is divorced should plan on having health insurance coverage of ₹10 -15 lakhs at a minimum. This is an adequate safety net given the rising costs of medical care, especially when you will be dealing with the price alone.
You are no longer in a family plan or have family coverage. Therefore, a higher sum can ensure you have the funds needed before or after hospital bills, surgeries, and dire medical treatment. It accounts for future health risks as we age and family responsibilities change.
How to Buy Health Insurance for Divorced Person Online?
Buying health insurance online is simple and hassle-free. If you're planning to purchase a policy from Digit, here’s a step-by-step guide to help you through the process:
Enter Basic Details
Visit the Digit app or website. Enter your PIN code and mobile number, select your preferred health insurance plan and provide age details, family members covered, etc.
Choose Plan & Add Member Details
Compare & select the plan, sum insured, add-on covers and apply any available discounts to get the final premium amount. Further provide the member details for everyone you’re covering.
Make Payment & Submit KYC
Once done, proceed to make the premium payment and submit your KYC documents to complete the purchase process.
Final Review & Processing
Now, your application undergoes a brief review process. Digit may request a health declaration, lifestyle information, or medical details & reports if required. Now, based on your medical underwriting, your policy will be issued and sent to your email. You can also access it anytime through the Digit app.
Documents Required to Buy a Medical Insurance for Divorced Person
When purchasing a health insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that may be needed at the time of purchasing a policy:
Identity/Age Proof
✔ Aadhaar CardÂ
✔ PAN Card
 ✔ Passport
 ✔ Voter ID
 ✔ Driving License
✔ Birth Certificate
Address Proof
✔ Passport
✔ Utility Bills (Electricity, Water, Gas – recent)
✔ Rental Agreement
Income Proof
✔ Income Tax Returns (ITR)
✔ Form 16
Previous Medical Reports (If any)
KYC Documents
✔ PAN Card (for financial verification)
✔ Aadhaar Card (for identity and address verification)
✔ Photograph and bank details (optional)
Tax Benefit on Health Insurance for a Divorced Person
Health insurance secures the needs of a divorced person and can also give you tax savings under Section 80D of the Income Tax Act. Here's how it can help you:
- You can claim a tax deduction up to the limit of ₹25,000 each year for health insurance premiums, which are paid for you.
- If you are aged 60 or older, you can claim the higher limit of ₹50,000 for that person's premium.
- If your age is below 60, plus your senior citizen parents are above 60, then tax deductions on premiums are paid up to ₹75,000.
- If you and your parents are 60 years old, then the tax deduction on the premium paid is up to ₹1,00,000.
What is COBRA?
COBRA (Consolidated Omnibus Budget Reconciliation Act) is a federal law that provides, in certain events, employees the ability to continue their employer-sponsored health coverage even after they separate from their employment with the employer, get divorced, and other qualifying events.
It requires the individual to pay the employer-sponsored health coverage premium, including the portion the employer previously paid. The individual also must pay a small administrative fee. COBRA provides an individual with temporary and continuation of their health coverage until they find a new job or elect new insurance coverage. Additionally, it does not offer permanent coverage.
Health insurance after divorce extends beyond a safety net. It's a smart, protective move to safeguard your health, finances, and future. Knowing how to select a health plan or insurance based on your age, needs, and budget offers peace of mind when it comes to managing medical expenses. Researching health insurance can give you information that can help you weigh your options and find a policy that meets your needs and provides coverage for the years ahead.
FAQs about Health Insurance for Divorced Individuals
Senior Marketing Associate
Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.
Chief Marketing Officer
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