Updated on 13 Dec 2025
Single parents have several responsibilities, from raising kids and managing finances to running the home, while also ensuring a secure future for their children. Beyond this, healthcare for both the parent and child requires consistent attention and planning. With rising medical costs, safeguarding their health has become more challenging than ever. A comprehensive health insurance plan can provide financial support and peace of mind, ensuring quality care without straining the budget.
In this post, we will discuss health insurance for single parents.
What are the benefits of health insurance for single parents?
Health insurance for single parents has the following major benefits:
- Financial security: Health insurance offers financial protection by paying your medical bills and reducing stress for unexpected expenses.
- Child coverage: It provides coverage for children's health and ensures access to necessary healthcare.
- Tax savings: under Section 80A of the Income Tax Act, the money spent on health insurance for yourself and your family can be deducted from taxable income. This helps you pay less tax.
- Peace of mind: helps you focus on the needs of your loved one without worrying about financial emergencies.
Factors to consider while getting health insurance for a single parent
Before choosing any health insurance plan, carefully analyse your expectations. Here are some factors to consider:
- Coverage details: Select the plan that covers both parents and children for daycare procedures, hospitalisation and severe illness.
- Sum insured: Check whether your plan provides enough coverage for medical expenses and ongoing treatment.
- Look for addons: Look for additional features like critical illness, OPD benefits and preventive medical check-ups.
- Network hospital. Choose the insurers who have a wide network of hospitals for cashless treatment.
How to choose the most suitable health insurance plan for single parents?
To choose the best health insurance plan for single parents, consider the following steps:
- Evaluate all health needs for both the parent and children, including existing illnesses or special needs.
- Compare the features, premium amount and sum insured across all different plans with clarity regarding exclusions and waiting periods.
- Choose a policy that provides complete coverage, including add-ons like critical illness.
- Ensure that a good claim process supports the policy.
If you need expert recommendations for choosing the right health insurance plan for single parents, fill out the form on this page. Our insurance advisor will offer personalised solutions according to your requirements.
Why do single parents need health insurance?
As a single parent, you may face many challenges as you are the sole provider for your family. Having single-parent health cover is necessary for numerous reasons. With this plan, you and your children can access healthcare services without worrying about the cost.
Regular check-ups, timely treatment and preventive care for illnesses and injuries can help keep your family healthy.
Furthermore, medical bills can quickly add up, and without health insurance, you may have to pay them out of pocket. This can put a significant strain on your finances and make it difficult to provide for your family’s other needs. The fact that you and your children will get covered by health insurance can give you peace of mind. You can take care of your family’s needs without worrying about unexpected medical expenses.
Conclusion
A health insurance plan for single parents provides complete protection from medical emergencies. The right policy gives single parents the confidence and security to handle unexpected medical challenges while safeguarding their family's well-being. However, if you are also taking care of your parents, you can consider a family health insurance plan that covers all the members of your family.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.