How Do I Add My Family Members To My Health Insurance Policy?

Health insurance is not only about your own protection, but also about securing the well-being of the people who depend on you. Many insurers in India allow you to add family members either at the time of purchase or later during the policy term. Read on to know all about what it entails.

Who Can You Add To Your Health Insurance Policy?

The majority of health insurance companies in India allow you to add close family members under a family floater plan. You can generally add members like:

• Your spouse


• Dependent children


• Dependent parents


• Parents-in-law

Note: Make sure to always check the policy documents to confirm eligibility rules and age limits.

What is the Process to Add Family Members to Your Health Insurance Policy?

● Inform the Insurer

Contact your insurer through their customer care, website or agent. You need to raise a request to add a family member.

● Fill Out Endorsement Form

You have to complete a member addition form, where you need to enter their details such as name, date of birth, relationship with the proposer, and medical history.

● Submit Required Documents

You may need to submit identity proof, age proof, relationship proof, medical reports, etc.

● Undergo Medical Tests (If Required)

If the new member is older and has pre-existing diseases, the insurer will ask for a medical test.

● Pay Additional Premium

The insurer recalculates the premium after adding new members. You will have to pay the additional premium to activate the coverage.

When Can You Add Your Family Members to Your Health Insurance Policy?

● During the Time of Purchase

The easiest time to add family members is when you purchase a policy. You simply need to provide their details in a proposal form. The insurer will then calculate the premium based on the age and health conditions of all members.

● During Policy Renewal

Many insurers allow you to add family members during the time of renewal. You have to inform the insurer before your renewal date and submit the required documents.

● After Major Life Events

There are certain major life events which allow for mid-term inclusions, such as marriage, birth of a child and legal adoption of a child. In these cases, the insurers may allow you to add the new member immediately, provided you submit proof.

What are Some Things to Keep in Mind When Adding Members to a Health Insurance Policy?

Before adding new members to your health insurance policy, know that the newly added members may have waiting periods for specific treatments or pre-existing diseases. Furthermore, adding new members also poses a risk of exhausting the coverage. So, you may want to enhance the sum insured.

Final Words

Adding your family members to your health insurance policy is a smart financial decision. It ensures that your loved ones receive medical protection without buying separate policies. Family floater policies are also cost-effective in nature and cover all members under a single sum insured.

A well-planned family health insurance policy protects your savings during any kind of medical emergency.