The importance of women's health in India is increasing as we advance to become a better nation. It is quite common for women not to take their health seriously, and they rely on their family members to purchase add-on health insurance, but now is the time to change.
Getting separate insurance is essential, and it does not matter whether you are a homemaker or a working professional. Every woman should take care of her health, and this is the bare minimum step you should take to make life easier.
If you don't have insurance yet and are not convinced to buy one, we are sure your perspective will change by the end of this article. So, let's start by considering why you should have a separate insurance policy.
Women's health insurance is vital as women face unique health challenges and higher risks of certain diseases compared to men. Gynaecological issues further emphasise the need for personal insurance plans. Therefore, considering factors like early policy purchasing, disease coverage, and maternity benefits is crucial to ensure comprehensive health protection for women.
1. Increased disease coverage
Today, women are more exposed to critical diseases and health issues than men, and this makes it highly important to have a separate women's health insurance plan. Suppose you have a family floater plan worth Rs 3 lakh, and you get diagnosed with a critical disease that requires Rs 2 lakh for treatment, but your family floater was already used by someone else. In that case, you will be forced to liquidate your savings for the treatment.
2. Gynaecological issues
Gynaecological issues are challenging for women to accept, find, and get treated, and they often think of getting more straightforward solutions that can save them from going to the doctor. But with women's insurance, you will be well covered for all gynaecological treatments, and you can get your treatments without worrying about the costs.
3. Increased risk of heart disease
Due to stressful lives and unhealthy eating habits, the risk of heart disease has increased tremendously. Treatments for such diseases can leave a massive hole in your pocket; hence, health insurance covering heart disease is quite important. When you buy women's health insurance, you should always opt for a plan that offers this coverage so you can be protected and get the right treatments in case of heart issues, as every minute matters in these scenarios.
Now that you know why you should have a separate health insurance plan, it becomes crucial to understand what you should consider before buying one.
What should you consider before buying health insurance?
Purchase the policy early
Insurance premiums increase as you age, and after a certain age, you may not be able to get the best insurance plan; hence, whenever you are looking to buy health insurance, you should buy it as early as possible.
Women-related diseases
Women age differently, and they face different challenges than men. Hence, an insurance policy that covers men will not be the best option for women. As a woman buying an insurance policy, you should look for specific coverage options in your policy, like:
· Ovarian cancer
· Breast cancer
· Arthritis
· Other gynaecological issues
You should opt for a health insurance policy that covers all aspects of being a woman and helps you handle your health effectively. Hence, it would be best to search for insurance providers that provide coverage for women-related diseases and only buy those that offer the best coverage. If add-ons like maternity coverage, critical illness coverage, personal accident coverage, etc., are available, you should take them.
Maternity coverage
Normal insurance is not enough when it comes to maternity. Health insurance that covers maternity is highly important as it covers the many expenses associated with maternity, like checkups, health complications during and after pregnancy, and delivery expenses. When buying a policy for yourself, always check the maternity coverage option and what it covers. Moreover, you should pick a policy that does not have a lock-in period and coverage limit to avail of maternity benefits.
Regular medical checkups
Regular medical checkups play an important role in identifying problems and fixing them early. Without regular checkups, diseases are often diagnosed when it might be too late. So, when you are buying health insurance for pregnant women, you should focus on getting regular medical checkups covered in your policy. This will save you lots of money and protect you from late diagnosis of any complications.
Securing the best health insurance for females in India, you can guarantee a stress-free life for the women in your life or yourself. By opting for coverage that includes gynaecological issues, maternity benefits, and regular medical checkups for an early diagnosis, women can safeguard their health and financial well-being. With so many options available, making a selection is not easy, and you ought to consider the discussed aspects to get the best health insurance.
