Health Insurance for a Divorced Person

The traditional Indian family structure centres around lifelong marital ties. However, rates of divorce are rising, leaving many to tackle life's challenges alone. Managing household expenses as a single divorced person is already tough amidst high inflation. One of the ways of managing health-related expenses is getting comprehensive health insurance that acts as a reliable backup in times of need. ACKO offers health plans tailored for individuals covering hospitalisation and critical illness alongside daycare procedures.

Managing alone, divorced individuals may face health risks that amplify with age. In younger years, accidents, injuries or lifestyle illnesses may necessitate hospitalisation. For women, single parenthood also demands adequate maternal buffers. As incomes stretch to cover household costs, individuals must secure Health Insurance plans covering present and future medical exigencies. Tax exemptions up to ₹25,000 under Section 80D provide extra savings.

In India, there are several types of health insurance plans available, including individual health plans, family floater plans, senior citizen plans, critical illness plans, etc. For families, especially those with divorced individuals, the Family Floater Health Insurance plan is often considered the ideal solution.

Family health insurance plans provide coverage for the entire family under a single policy. This typically includes the policyholder, their spouse, children, and sometimes even parents or parents-in-law. The primary advantage of a family floater plan is that it offers comprehensive coverage for all family members at a lower premium compared to purchasing individual plans for each member.

When considering a family floater plan, it's important to note that the divorced spouse may not be eligible for coverage under the same policy. However, the policyholder can still include their children and other eligible family members.

Our premium plan offers industry-leading coverage:

This plan balances extensive cover and affordability:

This plan provides the following benefits.

ACKO health insurance plans focus on making things easy for customers. With ACKO, you don't need to fill out any physical forms when filing a claim. All approved claims are paid directly to hospitals immediately without delays.  Also, ACKO has partnerships with over 14,300 hospitals all over India. So no matter where in India you need treatment, you can get it immediately without paying from your pocket. You don't have to worry about finding a network hospital.

Here are some tips to select your ideal sum insured under health insurance.

Thoroughly evaluating different life stages as a solo guardian helps determine optimum coverage, safeguarding your family's financial security against medical expenses now and in the future.

The ideal sum insured for health insurance varies depending on factors such as age, location, medical history, and family size. 

If you are divorced and do not have any dependent children or parents, your ideal sum insured would primarily depend on your age, location, and medical history. As a general rule of thumb, it is recommended to have a sum insured of at least twice your annual income. 

For example:

Say you are a 35-year-old individual living in a metro city and earning an annual income of INR 8 lakhs, a sum insured of INR 25 lakhs would be a good starting point. This would provide adequate coverage for most medical emergencies and treatments. 

However, if you have any pre-existing medical conditions or a family history of critical illnesses, you may want to consider opting for a higher sum insured to ensure sufficient coverage.

For a nuclear family, including a divorced individual, their parents, and one child, the ideal sum insured should take into account the healthcare needs of all family members. Assuming the divorced individual is 35 years old, their parents are in their 60s, and the child is below 10 years old, a sum insured of INR Rs. 25 Lakhs would be a suitable option. 

This amount would provide comprehensive coverage for the entire family, considering the senior citizen parents' higher healthcare needs and the child's potential medical expenses. 

Regarding health insurance claims, cashless claims are generally more convenient and beneficial than reimbursement claims.

Network hospitals have a tie-up with the insurer, offering cashless treatment facilities. This is particularly beneficial for families with limited access to instant cash or those following a monthly budget.

Cashless claims provide financial convenience and immediate medical attention without needing upfront payments. This feature is especially suitable for families with limited financial flexibility.

As medical costs rise, prudent individuals seek financial mechanisms to provide stability. Holistic health insurance fulfils this aptly. Comprehensive ACKO policies with ample coverage cushion against hefty hospital bills if medical emergencies arise. Cashless support aids further. 

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.