Skip Navigation
0 of 0 Displaying
 |   Displaying

No Results


    How To Add Spouse To Your Health Insurance Plan After Marriage

    Last Updated On 03-10-2019

    With marriage comes a big responsibility and it is crucial that you consider all the ways that it will change your financial outlook. At the very basic level, you need to update your financial records with your new credentials, address etc. Diving a little deep, you will notice the need to revise your investments in accordance with what serves the needs of a married person better. One such aspect to look after is the health insurance policy you are enrolled in.

    Family floater health insurance policy

    The task is simple: if you didn’t have an individual policy until now, this is the right time to get a family floater plan with your partner. If you already have a health insurance policy in hand, you need to port your partner on to your plan to convert it into one.

    Porting health insurance after marriage is very crucial. If one of you already has a health insurance plan, all you need to do is add the other partner in the existing individual health insurance policy as the spouse. Whoever holds the policy can initiate this process by submitting relevant documents like the marriage certificate and KYC documents including identity proofs, age proofs along with photographs. The change comes into effect in the following policy renewal by just filling an additional form and furnishing the paperwork. The premium, in this case, is then calculated and pro-rated. This then becomes a family floater health insurance policy. Family health insurance plan is a type of health insurance which covers all the members against various diseases and illnesses. Health insurance plan for family covers your family with the lowest premium depending on the age of the family members.

    Benefits of Family Floater Health Insurance Policy:

    • The biggest perk of a floater is that the policyholder gets to take care of himself and his entire family under one single policy. The deal of a single policy is that it is much easier to manage than managing multiple individual plans.
    • Family floater health insurance policy often come with add-on benefits like maternity benefits, newborn cover etc. These can prove to be especially effective for a young couple who is on their path to building a family. A word of caution: choose a family floater plan covering yourself and your spouse and buy it immediately after marriage so that you can wait out the waiting period in the initial years.
    • The income tax benefits under this plan are the same as any other health insurance plan as per Section 80D.
    • Some plans offer a feature called reinstatement which helps to reinstate full health insurance coverage once exhausted during the policy period. It is a useful feature, even though it is applicable only for unrelated claims.

    Alternatives to Family Floater Health Insurance Policy

    On similar lines, you can consider taking a joint life insurance policy too. It works on the same rationale, and additionally, provides protection to your future kids in case something happens to both the parents. A key reason why couples could consider joint life insurance is to avail the premium waiver/premium reduction benefit. Under this feature, if one partner passes away, the surviving spouse is not only entitled to receive the full assured sum on the primary policyholder’s cover, but he/she is also absolved of the premium payment/has to pay reduced premiums only applicable for their own life cover for the rest of the duration of the joint life insurance policy.

    At the end of the day, however, remember to sit down with your spouse, consult him or her and only then go ahead with major financial decisions. It will keep your matrimonial peace if you are assured of financial protection in times of crisis.

    Know more about health insurance, term plan, term insurance and life insurance at PNB MetLife.

    Whether you are trying to lose weight or making a shift towards a healthy life, understanding your BMI (Body Mass Index) is one of the first necessary steps you can make. The BMI calculator can indicate your body’s fat content based on your weight and height. Once you have a clear view of this, you can go through different health insurance plans on the PNB website and secure your future financially against the growing healthcare costs. 


    The aforesaid article presents the view of an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability or medical complications incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ health advisor before making any decision.

    PNB MetLife India Insurance Company Limited, Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka.
    IRDAI Registration Number 117. CI No: U66010KA2001PLC028883. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale.
    The marks “PNB” and “MetLife” are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
    Call us Toll-free at 1-800-425-6969 Phone: 080-66006969, Website:, Email: or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203

    EC324 LD/2019-20/337

    • IRDAI is not involved in activities like selling policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.


    6 Preventive Measures Against Diabetes for Women

    Here Are Six Preventive Measures Against Diabetes for Women and To-Be Moms...


    7 Factors Affecting Health Insurance Premiums in India

    If you are planning to buy a health insurance policy, there are a variety of plans available. The health insurance coverage offered by them and the...


    Cancer care can be extremely expensive: Here's how you can mitigate the cost

    Cancer is an expensive disease to treat and manage. Aside from the emotional turmoil it brings with it, this master of all maladies is nearly alway...


    Choosing a health insurance plan that best fits your requirements is an important decision. Insurance companies now offer a range of different opti...


    Things to Know about Restoration Benefit with Health Insurance

    Disclaimer: . The aforesaid article presents the view of an independent writer who is an expert ...

    Want to know more about how you can protect your family?

    See all our articles

    Get a Callback

    OTP sent successfully

    Thank you for getting in touch with us. We will contact you shortly.


    Collapsed Expanded

    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at or You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

    Site best viewed in following browsers
    Chrome 70+ , IE 11+, Firefox 76+, Safari 11+

    Get a Callback Get a Callback

    Ask khUshi

    Hi! I’m khUshi. How can I help you?