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Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.

Buy Health Insurance Policy for Married Couples Online in 2025

Marriage is more than just living a life together; it also means shared responsibilities, specifically when it comes to health. With increased medical costs, having health insurance for married couples is no longer optional; it is essential.

Sharing insurance has its perks. You get joint coverage and save money. Plus, both partners are protected. This is important if one partner cannot make choices during a medical emergency. Whether you are newlywed or decades into your marriage, the right plan offers peace of mind.

Let’s explore what health insurance for newly married couples means and how to appropriately choose the coverage.

What is Health Insurance For Married Couples?

A couple's health insurance plan offers medical benefits for both partners under one plan. The policy typically covers hospital costs, maternity benefits, doctors' consultations, and treatment outside of the hospital. Most policies will have no room rent limits, cover day care procedures, consumable costs, wellness programs, pre- and post-hospitalisation costs, and more.

It has cashless hospitalisation, tax benefits up to a limit, and coverage for dependent children. You can also make cashless payments when you receive care. This helps both individuals avoid financial worries as they start their lives together.

What is the Importance of Health Insurance for Young Married Couples?

Health insurance is an important financial resource for newly engaged couples. Here are some important reasons why married couples should buy health insurance:

Types of Health Insurance in Married Couples

Family Health Insurance Policy

Individual Health Insurance

Family Floater Health Insurance

Super Top-up health insurance

Arogya Sanjeevani Policy

See More See Less

Benefits of Buying Health Insurance Plans for Newly Married Couples

Health insurance is an essential consideration for newlyweds. It provides a financial safety net, covers health care expenses, and assists both members of the couple in managing unexpected health issues. Here are some key benefits that you must look at:

Why Choose Digit Health Insurance for Married Couples?

Simple Online Processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!
No Age-based or Zone-Based Co-payment - Our health insurance comes with no age-based or zone-based copayment. This means, during health insurance claims, you need not pay anything from your pocket.
No Room Rent Restriction - We understand that everyone has different preferences. That’s why we have no room rent restrictions in health insurance. Choose any hospital room you prefer.
SI Wallet Benefit - If you exhaust your sum insured in health insurance during the policy period, we will refill it for you.
Get Treated at Any Hospital - Choose from 9000+ of our network hospitals in India for cashless treatment or opt for reimbursement.
Wellness Benefits - Get exclusive wellness benefits on the Digit App in collaboration with top-rated health and wellness partners.

Disclaimer: The numbers for total policies sold, lives insured, claims settled and amount of claims paid is for the Group and Retail Health Insurance policies since inception up to 31st March-2025. The total count of cashless network hospitals is as of 31st March-2025. The claim settlement ratio is for the group and retail health insurance policies for the FY 2024-25.

Key Benefits of Health Insurance for Married Couples by Digit

Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key advantages:

Co-payment	No
Room Rent Capping	No
Cashless Hospitals	9000+ Network Hospitals across India
Inbuilt Personal Accident Cover	Yes
Wellness Benefits	Available from 12+ Wellness Partners
City Based Discount	Up to 10% Discount
Worldwide Coverage	Yes, Available only on Worldwide Treatment Plan
Good Health Discount	Up to 5% Discount
Consumables Cover	Available as an Add-on

Should You Get Separate Health Insurance for Married Couples or Share a Single Floater Policy?

As a married couple, you can either purchase a family floater plan or individual health insurance based on your health requirements and finances. A family floater plan is cheaper because you pay a premium for one policy, but both partners typically have one sum insured. This plan works well if both partners are younger or healthier and don't have many significant health issues.

However, if a partner has some medical risks or health needs, separate policies can provide easier personal coverage and limitations with respect to claims. The right policy will depend on your family's health concerns, budget, and plans.

Factors to Consider While Buying Health Insurance for Married Couples

To get the right plan, husbands and wives must review coverage options with these key factors in mind:

Age: Age determines coverage and premiums. Younger couples see premiums and benefits below 40, 10 or more years less than older couples.
Sum Insured: Choose a coverage amount that covers medical bills, surgeries, and the costs of maternity care with comfort.
Type of Plan: Choose between family floater coverage for joint coverage or individual plans for personal healthcare needs, depending on your situation.
Maternity and Newborn Cover: This is particularly important for couples who plan to have children. Read the policy coverage limits, waiting period, and newborn coverage benefits.
Network Hospitals: Another consideration is to ensure you have good access to cashless hospitals nearby so that treatment in emergencies is not a hassle.

Claim Settlement Ratio: The higher the ratio, the better the chance of claims being approved without hassle, quickly, and easily.
Premium Amount: Evaluate the premiums and benefits to stay away from overly expensive or overly cheap plans, which have poor coverage and benefits.
Policy Tenure and Renewability: Look for coverage limits, as long-term, lifetime renewable policies can provide you with continuous health protection without issues over time.

Read Less

How Much Health Insurance Coverage is Required for Married Couples?

For a couple, it is better to have a health insurance sum insured of at least ₹10 lakh. This amount will cover you both in case of higher hospitalisation costs, medical expenses, and any emergencies.

If you live in a metropolitan area, plan on maternity care, or have a very high-risk lifestyle, then ₹15–20 lakh is reasonable as it will provide better financial security. The amount you need to insure is based on your age, health history, city, and budget.

Health insurance is an intelligent and necessary consideration for every newly married couple. With the right health insurance for newlyweds, you get adequate coverage. However, before buying a policy, consider your own health, what your plans are for your future family, and what fits into your overall budget. Good coverage can provide peace of mind and also a safety net when it counts.

How to Buy Health Insurance Policy for Married Couples?

Buying a health insurance plan for married couples online is now as easy as booking a movie ticket. 🤩 With just a few clicks, you can compare different plans, customise your coverage, and ensure continued financial security in medical emergencies. Follow these simple steps to buy a health insurance plan:

Health Insurance for Married Couples

Visit Digit’s Website or App

Visit Digit Health Insurance and go to the health insurance section and enter your phone number & PIN.

Enter Basic Details

Share information like age, family members to be covered, and any medical history or pre-existing disease.

Choose Your Plan

Select your coverage amount and add any rider if needed. Proceed and fill in additional details.

Make Payment

Complete the KYC & payment. Done! Your policy will be sent via email or WhatsApp or accessible on the Digit app.

Documents Required to Buy Health Insurance for Married Couples Online

When purchasing a health insurance policy for married couples, 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

Address Proof

Income Proof

Previous Medical Reports (If any)

KYC Documents

Tax Benefit on Health Insurance for a Married Couple

Not only does purchasing health insurance ensure your family's health, but it also saves on taxes. In India, married couples can avail of tax deductions for health premiums under Section 80D:

Under Section 80D of the Income Tax Act, a married couple can claim a deduction of up to ₹25,000 per year for health insurance premiums. This applies if both partners are under 60 years old.
Both spouses can split the premiums and deduct them separately. This can lead to a total benefit of ₹50,000 if the husband and wife file separately and pay their own premiums.
In addition, you can also claim up to ₹5,000 for preventive health checkups within the limit for health insurance premiums.

FAQs about Health Insurance for Married Couples

All

I recently got married, and my spouse is self-employed. Can we combine our health insurance plans, or should we each maintain separate coverage?

As long as both partners are young and healthy, combined insurance is a good option. Coverage continues to be provided with the convenience of a single sum insured amount, lower premiums when compared to individual coverage, and the added benefits of maternity coverage.

Is Family Health Insurance suitable for couples?

Yes, family health insurance offers convenience when both partners want the benefits of shared insurance under one premium. Family policies are simple to manage and offer cashless benefits at network hospitals.

Why should newly married couples get health insurance?

Newlyweds should purchase health insurance to avoid future medical exclusions and safeguard coverage for planned events like maternity or unplanned emergencies without financial stress. It is a great way to begin long-term financial planning.

How to determine if you need a Family Floater Plan as a married couple?

A Family Floater Plan is advisable for you as a couple. However, if both of you are young and healthy and have no significant health history, then you can go for an inexpensive policy for both of you, which covers both of you under one sum insured.

How much do I have to pay to buy my ideal sum insured?

The premium amount you will be charged will depend on the sum insured amount chosen, your age, your city of residence, and your health history. A young married couple choosing a ₹10 lakh cover would expect to pay a premium of between ₹12,000 and ₹18,000 annually.

Can a husband and wife both claim health insurance?

Yes, both husband and wife can claim health insurance if they are all under the same family floater plan or if they are individually insured under different policies. Both are free to claim medical expenses according to their plans and policy terms.

What is 80D Mediclaim?

80D Mediclaim is a tax benefit available for paying Health Insurance premiums. You can claim the deduction of premium paid under section 80D of the Income Tax Act for your health insurance, spouse, children, and parents.

Is pregnancy covered under health insurance?

Yes, pregnancy is covered under health insurance if you have a policy with maternity benefits. It covers expenses related to delivery, hospitalisation, and occasionally newborn care. Most plans have up to 2 to 4 years' waiting period for maternity cover to begin.

What is the zero waiting period for health insurance?

A zero waiting period in health insurance is when you can start using some of the benefits on day one of the policy's start date. It gets rid of the typical waiting period for pre-existing conditions and some treatments. But, not many plans include this option.

How much does 1 crore health insurance cost for a married couple?

A ₹1 crore health insurance plan is typically priced between ₹15,000 and ₹25,000 per year for a healthy person in their 20s or early 30s. Premiums will increase as you age, and medical history, add-ons, and where you live will all affect premiums.

How much health insurance coverage do a married couple need?

In India, couples should aim for coverage of at least ₹ 10–15 lakh. If you live in a metro or need maternity and critical illness cover, think about getting ₹ 20 lakh or more.

Can I buy health insurance for a married couple and claim immediately?

Married individuals cannot obtain health insurance immediately after purchasing it. There’s a waiting period for most policies. Regular claims often take 30 days. However, treatments for conditions such as maternity or pre-existing conditions may require a wait of 2 to 4 years.

Written By

Srishti Singh

Reviewed by

Vivek Chaturvedi

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Go Digit General Insurance Limited | Corporate Office Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru 560095 | Registered Office Address: 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, Shivaji Nagar, Pune-411005, Maharashtra | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.