Health insurance coverage is a must for making health care accessible and affordable to women. The importance of having a women-specific health plan stems from the fact that women are more prone to certain diseases as compared to men. Also, today we can see women walking shoulder to shoulder with men in all walks of life. Women constitute almost 25% of the working population in India. Considering these facts, women need insurance as much as men do.
While you may not consider it vital to buy a separate health insurance plan for them, but, it is essential to ensure that certain things are covered as part of your family floater medical insurance or individual health insurance plan you take for them. Here are some important factors to keep in mind while selecting a health insurance plan for women. 1. Coverage: a) Maternity expenses Maternity is one of the most critical phases of a woman’s life. If not handled with care, it can ruin her health forever. There are several health plans that already cover maternity expenses; however they come with a waiting period. If you have got married recently or planning a child in near future, then you should look for a health insurance plan that has the minimum waiting period. Incorporating this coverage in your policy would help you save on maternity expenses and simultaneously ensure best care of the mother. For instance, Religare Joy Maternity health insurance covers maternity expenses with a waiting period of just 9 months; which is the lowest in the industry. b) Special diseases A home maker woman spends most of her time in the kitchen. Even working women cook after coming back from work. This might seem like a normal routine, but actually it makes them more prone to lung diseases, asthma, etc. Therefore, it is imperative to have coverage for such diseases in the health insurance plan you choose. Read More-: Top Health Insurance Companies in India c) Women specific critical illnesses Several health issues like cervical cancer, breast cancer etc. affect only women. If not treated in time, these can lead to crisis situations. Treatment for such critical illnesses comes is expensive. To help people manage such situations, there are insurance plans particularly designed to cover critical health issues like these. Therefore, it is essential to either incorporate coverage for women specific critical illnesses in your family floater plan, or buy one separately. 2. Other Factors There are some other aspects that should be considered before buying a health policy. They are as follows: a) Choose the right amount of coverage: Keep in mind that women’s health costs are higher because of child bearing; stress and certain other non-sex related ailments that are more common among women. b)Check the list of empanelled hospitals: The wider the network of listed hospitals, the better it is. c)Compare and Buy: Comparing and buying a health insurance policy at policybazaar.com can save a substantial amount of premiums and provide the best at the cheapest of rates.
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