Policyholders can add family members to their health insurance plans to enjoy financial coverage for healthcare expenses. The family members added to the insurance policy, are referred to as insurance dependents.
Employers covering workers under group health insurance policies can also provide health coverage benefits for any dependents they have.
Refer to the following list in order to know more about benefits Insurance dependents receive, their coverage options, eligibility and more.
Check out the list of individuals who are eligible for benefits as insurance dependents.
|Spouse||An individual recognised as a husband or wife by State Law can be a dependent. However, in case your plan does not cover other adult dependents, a domestic partner would not be considered an insurance dependent.|
|Children||Biological children, stepchildren, legally adopted children, or any child under legal guardianship can enjoy health insurance coverage as a dependent. However, once a child reaches the maximum age of 26 years, he or she generally cannot enjoy coverage benefits under their parent’s plan except in a few scenarios. Further, a married child above 26 years is not eligible for a dependent on insurance.|
|Other adult dependents||Usually, domestic partners and elderly parents are not included in insurance coverage. However, in case they live with you, or are financially dependent on you, or are unmarried, they will be considered dependent.|
Let’s take a look at the requirements to add children to a dependent health insurance plan.
Children qualifying the following criteria are treated as insurance dependents.
Any child under 26 years of age can qualify as an insurance dependent.
To be eligible for dependent health insurance, an individual needs to be your biological child, stepchild, adopted child, or foster child.
A child will only qualify as an insurance dependent after living with you for more than 6 months.
The income of a child cannot be more than half of his support expenses to be eligible for a medical insurance dependent.
You cannot add a child as your dependent if you file a joint tax return that year.
Only a single household can claim a child as a dependent.
Apart from factoring in the necessary eligibility criteria, one should also consider the parameters that are not required to claim a child as a dependent.
Children need not live with their parents to enrol as insurance dependent for health insurance.
Your child does not need to be enrolled in school to be an insurance dependent.
If your ward does not enrol in an employer’s health insurance plan, he or she can still get coverage under a policyholder’s health insurance.
A policy member can add their children as a dependent even if they do not claim them as tax dependent.
Besides your spouse and child, you can add other members as dependents in your insurance plan if they fulfil the following requirements:
Generally, an insurance dependent can get coverage for medical expenses as per the insurance plan. Check out the coverage one can enjoy from dependent health insurance.
However, a policyholder’s health plan will not cover cosmetic surgeries, beauty treatments, brand-new technologies, or off-label drug use.
You can get comprehensive health coverage benefits for yourself and your family within 5 minutes from Navi. Download the Navi app and get cashless claims from over 10,000 network hospitals around 400+ locations in India.
While you are on a hunt for a health insurance plan to add your children and spouse as an insurance dependent, you will want to choose Navi Health Insurance for the following reasons:
It is crucial to know everything about dependents in a health insurance policy to cover medical expenses for one’s relatives and the likes. Nevertheless, before including family members in an insurance policy, policyholders should go through the eligibility norms of dependents.
Ans: No, you cannot add parents to your health insurance plan. They need to enrol their own plan through their jobs or opt for an individual health insurance plan.
Ans: You can remove members from your health plan by contacting your agent. In case you have an employer’s health insurance, contact human resources to know more details.
Ans: Generally, children above 26 years cannot qualify as insurance dependent except if they are disabled. Dependent children above 26 years who are disabled can get coverage under their guardian’s health insurance.
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Disclaimer: This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.
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