Health Insurance Plans for Women in India


Health Insurance Plans for Women in India

The Need for Health Insurance Policy for Women

We live in an era when there is a lot of focus and discussion on issues pertaining to women’s physical and mental health. Diseases like breast cancer, osteoporosis, and pregnancy issues demand serious attention and quality healthcare. Irrespective of the life stage they are in, women today have a greater need for the things that ensure their overall wellbeing. For instance, health insurance for women is crucial when it comes to having a financial cushion for emergency medical expenses.

The new-age women are confident about their aspirations and independent to take care of their needs. They rightfully deserve health insurance plans that are designed to meet their specific healthcare needs when they are busy tackling the challenges in their lives.

We explain why women should opt for health insurance plans:

Maternity Needs

Health insurers like Care Health Insurance offer customized health insurance for maternity. Such maternity plans provide complete coverage encompassing hospitalization for delivery as well as pre-and-post natal care such as new-born baby care, doctor’s fee, follow-up visits, etc. With a cashless hospitalization facility, getting quality medical care at a private hospital becomes highly convenient and affordable.

>>Check: Maternity Insurance

Reproductive Health Issues

Problems linked to women’s reproductive systems such as Polycystic Ovarian Disorder (PCOD), uterine fibroids, cervical cancer, ovarian cancer, etc. are affecting millions of women across the world. For women in childbearing age, these medical conditions can pose serious problems including pregnancy complications.

Choosing specific health cover including critical illness cover is advisable for anyone suffering from serious medical conditions like cancer.

Mental Health Issues

Many people are coming forward to openly speak about the importance of addressing psychological disorders and mental illnesses. Studies have shown that women are more prone to stress, depression, and anxiety which require medical assistance. With the revised guidelines by IRDAI, getting health coverage for the treatment of mental illnesses has become possible. However, when buying a health plan, it is important to check the exclusions by thoroughly reading the policy details.

Health Issues due to Ageing

Lifestyle diseases are on the rise affecting many young adults. Thyroid disorders, urinary tract problems, and hormonal issues are major health concerns, especially for women.

However, health risks only increase as women get older. These include Cataract, Osteoporosis, Diabetes, Arthritis and Heart Diseases. Elderly women also need to constantly monitor their health with regular health check-ups along with medications. For a family with elderly members, senior citizen health insurance plans are recommended. These plans provide cover for expenses like hospitalization, pre-and-post hospitalization medical expenses and ambulance charges. In addition, annual health check-ups, life-long renewability and tax deductions are some added advantages.

>>Click Here to Understand Complete Maternity Health Insurance Policy Coverage

Other Benefits

Opting for a health insurance plan makes the policyholder eligible for tax benefits under Section 80D of the Income Tax Act. In addition, there are other benefits such as premium discounts on policy renewal for a claim-free year, annual health check-ups and cashless treatment at network hospitals.

The medical needs of a woman keep changing during her life. Healthcare systems are advancing to meet this growing need. However, the costs continue to be on the higher side. Therefore, purchasing health insurance plans ensures that she gets easy access to healthcare without stressing about high expenditures.

Plan for safe motherhood with ‘Joy’ a health insurance plan for maternity by Care Health Insurance.

>> Also Read How to Claim the Maternity Cover in Health Insurance 

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