Health insurance calculator: Will the premium become cheaper if you take health insurance in the name of your wife? Know what is the rule related to this
People have many questions in their minds about health insurance. Some people want to know if they have to pay less premium if they buy health insurance in their wife's name. Today we will try to answer this question.
Health insurance calculator: After Covid, there has been a huge increase in the number of people taking health insurance.
In today's time, the lifestyle of people has changed a lot, due to which diseases are also increasing. In such a situation, a health insurance is very useful. With its help, not only the cost of treatment and medicines is covered but also the benefit of tax saving is available on it. It has become very important for everyone to have a health insurance plan to keep their family safe.
Is it beneficial to take health insurance in the name of wife?
People have many questions in their minds regarding health insurance policy. Some people want to know if they have to pay less premium if they buy health insurance in their wife's name. Today we will try to answer this question of theirs. If you take health insurance, then you have to pay premium.
Insurance companies offer discounts on premiums according to different terms and conditions. This is why many people feel that if they take insurance in their wife's name, they will have to pay less premium.
On what factors does the health insurance premium depend?
Taking insurance in the name of the wife does not reduce the premium. Actually, the premium of health insurance depends on factors like age and medical history. For example, suppose there are three people in a family, the husband is 30 years old, the wife is 26 years old and they have 1 child. And if they have no medical history, then they will have to pay less premium on health insurance.
On the other hand, if the husband is 40 years old, the wife is 36 years old and there is a child, then the premium amount will be higher. Whether the person has taken the policy in his name or in his wife's name, he will have to pay a higher premium. Apart from this, if there is any kind of medical history in the family, then the premium of health insurance can be more expensive.
That is, it does not matter in whose name the health insurance premium is taken, rather age and medical history play the biggest role in deciding the premium.
There has been a huge increase in the number of people taking health insurance after Covid
Let us tell you that the number of people taking health insurance increased after Corona. During the Corona epidemic, people realized the importance of health insurance. Therefore, there has been a huge increase in the number of people taking health insurance after Covid. But considering the population of the country, this number is still very low.
It is very important to have a health insurance plan
In today's time, the cost of treatment has become very expensive. If you get admitted to the hospital, the cost crosses lakhs in a few days. In such a situation, it is very important to take a health insurance to keep yourself and your family safe.