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Why Medical Insurance Is Important for Women?

  • Tax savings upto 75000* under section 80D
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    In the present era, the participation of women has remarkably increased. Women share 25% of the total workforce in India. She works hard, party hard, travels the world and discovers herself at every moment of life. Modern women know how to live on their terms. She is also earning well and is a bread earner to many families. They are different from a man but not weaker. However, growing pollution, a sedentary lifestyle, no exercise, and wrong eating habits affecting their health severely. Sometimes, chronic pregnancy-related disorders occur in their bodies during childbirth. So, this is why they also need health insurance to afford their health care expenses without being getting a burden on family or spouse. In this article, you can read about women's health insurance that serves their specific needs.

    What is Women Health Insurance?

    These are the insurance plans especially designed for females to cover diseases such as ovarian cancer, breast cancer, uterus tumor, arthritis, blood pressure, diabetes, and heart stroke. Women's medical insurance caters to their health and financial needs. They get the coverage for diagnosis, hospitalization, treatment, medication, and pregnancy under the medical policy. Basically, a women-specific health insurance plan ensures a financial back-up during a medical emergency. So, they can stand strong and focus on their health.

    Why Women Health Insurance is Important?

    Women are vulnerable to health problems. They need a safeguard that helps them to get better treatment for themselves without money crunch. Read below why comprehensive health insurance is a need of an hour.

    Cashless Hospitalization

    If you are a woman living independently, it’s better to stay prepared to face any critical situation. Buy health insurance cover that avails you the right treatment, at the right hospital, at the right time. You can show your medical card, inform the help desk at the hospital, and go for cashless hospitalization immediately. You do not require planning for cash during a medical emergency. 

    Cover Pre and Post Hospitalization Expenses

    Being a woman, you need more preventive measures and health care than men. That’s why your medical expenses are more. Thankfully, health insurance covers all your pre and post hospitalization expenses such as doctor’s fees, room rent, diagnosis, medicines, therapies, daily allowance, ambulance, etc. You get the claim in the form of a cashless facility or reimbursement for these expenses. So, you can save your hard-earned money for future purposes while focusing on your recovery. 

    Cover for Recurring Costs

    Females at the age of 40 or above are likely to diagnose with chronic and critical illnesses. Such illnesses require regular medication, treatments, and chemotherapies. An exclusive health insurance policy for women bears the recurring medical costs that occur due to on-going treatments of such diseases. Therefore, it ensures the best possible treatment in the present and even after retirement. 

    Annual Health Check-Up

    Medical insurance helps women to stay fit. It offers annual health check-ups that save their bunch of money on diagnosis and tests every year. With regular check-ups, they can keep track of their health and take preventive measures accordingly.

    Tax Benefit

    Under section 80 D, of the Income Tax Act 1961, premiums paid for health insurance for self, dependent parents, children, and spouse get the tax exemption up to Rs.50, 000. However, the taxable amount is subject to your income and age and it reduces your taxable income. If you are a working woman then you can avail of these tax benefits.

    Maternity Cover

    Motherhood is the most important phase in a woman’s life. However, the journey is not at all smooth, but maternity cover can give relaxation. So, if you are on the way to start a family, then go for a maternity insurance plan. It gives coverage against normal delivery, cesarean, pre and postnatal, post-delivery care, and vaccination expenses. This insurance ensures the best medical facilities for females during pregnancy.

    Future Security

    Without being dependent on anyone, you can secure your future with the right medical insurance coverage. You do not need to worry about your or your loved one's treatment expenses. You can easily afford the best medication and concentrate on your health.

    Bottom Line

    So, whether you are a mom, a single parent, or a young working professional, do not think too much when it comes to your health. So, you can buy health insurance policies offered by Care Health Insurance that offers you maximum coverage with financial security. You can also prefer a maternity insurance plan if you are would be a mother. These are the hand-picked insurance solutions that cater to all your healthcare needs and go a long way to take care of your wellbeing.

    ^^Number of Cashless Healthcare Providers till 25th March 2022.

    #Source: IBAI Claims Handbook for FY 19-20

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