More people buy health insurance before marriage: Survey

Find out how Indians’ priorities related to health insurance change after they get married, according to the recent Max Bupa Health Insurance Pulse 2017 survey.

1. What is your reason for buying health insurance?

A. Taking care of physical health
Pre-marriage: 49%
Post-marriage: 53%

B. Increased susceptibility to lifestyle diseases / to take care of critical illness.
Pre-marriage: 44%
Post-marriage: 51%

C. Increasing medical expenses
Pre-marriage: 50%
Post-marriage: 46%

D. Safety of family
Pre-marriage: 32%
Post-marriage: 42%
E. Recent bad experience in family
Pre-marriage: 34%
Post-marriage: 32%
2. Do you have life and health insurance?

A. Life insurance
Pre-marriage: 58%
Post-marriage: 72%

B.Health insurance
Pre-marriage: 64%
Post-marriage: 62%

3. Which type of insurance do you prefer?

A. Only indemnity
Pre-marriage: 16%
Post-marriage: 11%

B. Indemnity with critical illness
Pre-marriage: 33%
Post-marriage: 33%

C. Fixed benefit health plans
Pre-marriage: 27%
Post-marriage: 23%

D. Personal accident cover
Pre-marriage: 13%
Post-marriage: 14%

4. What are your expectations from health insurance?

A. Should pay for all healthcare needs
Pre-marriage: 53%
Post-marriage: 51%

B. Should help settle claims on time
Pre-marriage: 35%
Post-marriage: 49%

C. Take care of physical health
Pre-marriage: 44%
Post-marriage: 48%

D. Provide claims without deductions
Pre-marriage: 32%
Post-marriage: 43%

E. Should offer flexibility to customise products
Pre-marriage: 36%
Post-marriage: 39%

5. What type of coverage do you have?

A.Myself
Pre-marriage: 64%
Post-marriage: 42%

B.Me & my family
Pre-marriage: 36%
Post-marriage: 58%

6. What is the sum insured taken?

A.Less than Rs 1 lakh
Pre-marriage: 7%
Post-marriage: 7%

B.Rs 1-2 lakh
Pre-marriage: 29%
Post-marriage: 20%

C.Rs 2-5 lakh
Pre-marriage: 36%
Post-marriage: 43%

D.Rs 5-10 lakh
Pre-marriage: 22%
Post-marriage: 21%

E.Rs 10-30 lakh
Pre-marriage: 3%
Post-marriage: 7%

The survey was carried out among 2,000 Indians in 28-70 year age group, comprising 54% men and 46% women. All figures do not add up to 100% due to multiple responses.