–¬†Domestic Partner Insurance or Domestic Partner Health Insurance is when an insurance contract expands the definition of spouse to recognize Domestic, as a result, the health insurance benefits may be extended to the unmarried Partner and their children.

Couples of the same and opposite share insurance under a domestic partner insurance coverage just as a married couple would, with benefit being a reduced insurance and the ability to be eligible for the employee benefit.

Introduction to the concept :

Domestic partner Insurance is a form of Insurance that is soon gaining field in the US. Some hour back, the concept was not in the picture because of the obvious inhibition that it presents with it.

Traditionally, a married couple would go in for a Joint Insurance coverage which would reduce the cost of Insurance to them both instead of applying separately for individual Insurance on their lives. The guiding principle is applied to the case of duos who decide to stay together for accessibility.

Classification of Partners :

Generally, Domestic Partner Insurance can be provided to unmarried couple who live together in a committed affair of sharing their residence and financing of the responsibilities. Insurance coverage is provided to marries of same or different sexuality who live together and income the advantage of reduced cost of insurance assistance.

The scheme is more pronounced in some Universities of the country among those individuals who prefer to stay together as Partner in a way to reduce their cost of living. Numerous universities add health insurance benefits to such people. Under the programmes, a student can recruit his or her domestic partner and the dependent children of the domestic partner in health insurance generally offered to full-time students. Except for suitability to participate, the same general rules( for example, expenditure sharing and interest entitlement) apply to Domestic and their dependent offsprings as to other participants in the health insurance schemes.

Proving themselves as Partner becomes the basic qualification for seeking Domestic partner insurance. Some such parts that are to be satisfied may be as follows :

  • The Partner have an exclusive reciprocal commitment, same to that of wedlock, but project partners cannot become legally married.
  • They are each other’s sole domestic partner and intend to remain so indefinitely.
  • Neither partner is legally married.
  • Are not associated by blood to a degree of closeness which would prohibit legal wedlock in the nation in which project partners legally reside.
  • Are at least eighteen( 18) years of age and are legally competent to enter in to a contract.
  • Are currently residing together and have resided together in a common household.
  • Share joint responsibility for the partner’s common welfare and financial obligations.
  • They support some proof of living together, like, invoices where expenditures are shared frequently or some notarized statement or even domestic partner agreements.

These are some points that may have to be satisfied by the partners. But, they are not all. The same depends upon Insurer to Insurer differing from position to position where the rules and continue changing.

Risk Assessment :

Evaluating the risk that can be taken up in the domestic partner Insurance necessitates the same investigate as evaluating the purchase of any type of health insurance. Taking the time to understand and refresh a health insurance policy exhaustively is important.

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