Does your spouse need health insurance?

Posted by Shaheen Shaikh on July 25th, 2019

Your spouse manages all the tasks that you don’t. If they are ill or absent, you could be left staring at massive costs in household care.

The adage ‘Health is wealth’ is especially true in today’s uncertain times. Our modern lifestyles leave little time for rest or a healthy diet, which makes most of us ill. However, some of us contract serious illnesses that take months of treatment and therapy. Even more worrying is the rising incidence of critical illnesses, which are often fatal.

You often worry about what your family would do in your absence. But you often wonder what would happen if your spouse was not around in the future. All the tasks that your spouse handles at home, maybe alongside a career, are important things that you would have to undertake in their absence. Are you equipped to handle these responsibilities if your spouse falls ill or is absent?

Your spouse, the other half of your home

Whether your spouse is a stay-at-home parent or a working professional, they more than carry their weight in terms of house management, raising the children, handling finances, making or monitoring investments, etc.

If your spouse is a stay-at-home parent, then they probably take care of all aspects of the house, apart from handling household finances. If they were ill or unable to carry out these tasks, you would have to hire help to manage the home, take care of finances, help raise the children, etc. If your spouse has a job or business, it means that they contribute to the household in monetary terms. Again, if they were ill or absent in the future, this monetary help would be lost as well.

Do you see the benefit of protecting your spouse’s health against future ill health? You can do so by taking a health insurance plan for your spouse. The good news is, you can buy an online health insurance policy from leading providers in India, at affordable premiums and with a range of benefits.

The benefits of online health insurance plan for your spouse

You can insure your spouse’s future health by buying the best health insurance policy for them. The benefits of online health insurance are:

• The policy pays the high costs of medical care, surgery, diagnostic tests and doctors’ consultation costs – all of these are quite high in India, and you could spend lakhs of Rupees on them.
• Leading health insurance providers also have cashless insurance policies where you can avail of cashless hospitalisation and care at a network hospital. This saves you the hassle of arranging for money at a short notice or paying upfront. In fact, you don’t need to pay at all if your claim is filed correctly and immediately upon admitting your spouse.
• The best online health insurance plans in India also include a critical illness rider. This policy pays the sum assured to your spouse upon diagnosis of critical illness (of specified severity as outlined in the policy document).
• You can get tax benefits against the premiums you pay for your spouse’s health insurance plan.