Insurance Rules: Will the premium become cheaper if you take health insurance in your wife's name? Know what the rules are..
In today's time, the lifestyle of people has changed a lot, due to which diseases are also increasing. In such a situation, health insurance is very useful. With its help, not only the cost of treatment and medicines is covered, but tax-saving benefits are also available. To keep your family safe, it has become very important for everyone to have health insurance plans.
Is it beneficial to take health insurance in the name of the wife?
People have many questions in their minds regarding health insurance policies. Some people want to know whether the premium price has to be paid less by buying health insurance in the name of their wife. Today we will try to answer this question of theirs. If you take health insurance, then you have to pay the premium.
Insurance companies offer discounts on premiums according to different terms and conditions. For this reason, many people feel that if they take insurance in the name of their wife, then they will have to pay less premium.
On what factors does the premium of health insurance depend?
Taking insurance in the name of the wife does not reduce the premium. 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 do not have any 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 they have a child, then the premium amount will be higher. Whether that person has taken the policy in his name or the name of his wife, he will have to pay more premiums. 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 premium of health insurance is taken, but age and medical history play the biggest role in deciding the premium.
Huge increase in the number of people taking health insurance after Kovid
Let us tell you that the number of people taking health insurance increased after Corona. During the Corona epidemic, people came to know the importance of health insurance. Therefore, there has been a huge increase in the number of people taking health insurance after Kovid. But considering the population of the country, this number is still very low.
It is very important to take a health insurance plan.
In today's time, the cost of treatment has become very expensive. On being admitted to the hospital, the cost crosses lakhs in a few days. In such a situation, it is very important to take health insurance to keep yourself and your family safe.
