How Should a Divorcee Who Was on a Joint Health Insurance Plan Re-insure in India?

Married couples often get joint health insurance plans to seek better coverage at lower premiums. However, if they get divorced, it may affect their insurance plan and coverage. Therefore, one needs to update their health insurance policy after a divorce and, if needed, get re-insured.

Health insurance coverage, nominee details, etc., get affected after a divorce, and if not reviewed on time, they can lead to legal and financial issues afterwards. Keep reading to understand the immediate steps after getting divorced regarding your health plan, and things to consider while selecting a new health insurance plan after divorce.

What are the Steps to Follow about your Joint Health Insurance After Getting Divorced?

You can follow the steps below to manage your health insurance policy in India after a divorce:

• Review all your previous health insurance policies.


• Remove your ex-spouse’s name from the nominee or co-insured.


• Update all your personal documents and information.


• Inform your insurance company about the divorce and required changes through an application.


• Contact a financial advisor if necessary.

Following these steps helps avoid the financial and legal complications in future. You need to update the insurance policy and understand how to manage insurance after divorce to seek adequate coverage for your health needs.

What are the Steps to Remove a Spouse from Health Insurance After Divorce?

It is necessary to inform the health insurer about your current marital status to remove your ex-spouse’s name from the policy. Here are the steps to follow:

• Step 1: Write an application to your insurer to notify them about your divorce.


• Step 2: Attach a copy of your divorce decree along with the application form to update your family information.


• Step 3: Request your insurer for a policy endorsement to remove your ex-spouse from the joint account and update the list of insured members.


• Step 4: The insurance company will issue an endorsement certificate, confirming the changes, after reassessing the premium, if required.

The procedure is simple and will take a short time. However, delaying the method can cause claim disputes during your health emergencies.

How to Get Re-insured with a Health Plan in India after Divorce?

Getting re-insured with a health plan after a divorce is necessary to stay covered during your medical needs. However, it needs some careful consideration to get re-insured with a health plan. Here are some of them:

• First, you need to assess your health status and the ongoing treatment procedures. Opt for health plans with lesser waiting periods and fewer exclusions to ensure that you get adequate coverage for your health needs.


• Check for the sum insured amount to ensure that it is adequate to cover all your medical needs and is able to cope with the rising healthcare expenses.


• Compare different types of health insurance policies as per their scope of coverage, affordability or premium, and rider options such as critical illness coverage, maternity coverage, etc.


• Go with policies that offer cashless treatment facilities at network hospitals. This helps save your out-of-pocket expenses during emergency healthcare needs.


• If you have children, select family floater plans to ensure complete coverage for their health needs.


• Lastly, go through the policy documents carefully before finalising your purchase.