Knowledge Centre

Factors to Consider Before Buying Women Health Insurance Plan

Today, India has quite a few advanced healthcare entities like super specialty hospitals and such. But, better treatment options have come at a higher cost than ever. And this is the reason why a health insurance policy is so necessary. To maintain financial stability during medical emergencies, you need health insurance. This is especially true for women, whether you are a homemaker or a professional.

According to recent surveys, women are more prone to health issues than men, irrespective of their socio-economic situation. Most of the women try to meet the expectations of people around them but forgot to devote time for themselves and their health. So it is important for women to have health insurance. Many insurers have even analyzed the requirements of women and launched women-specific health insurance plans. General health insurance plans cover diseases such as heart attack, diabetes, and a certain type of cancer. However women-specific diseases such as breast cancer, cervical cancer, bone diseases, PCOD, STDs, etc. are not covered under regular health insurance policies.

If you are planning to buy women’s health insurance than you must consider these factors to take full advantage of the policy:

Maternity benefits

If you are planning to have a baby after 2-3 years then consider a plan which includes maternity coverage with a minimum waiting period. Pregnancy is a natural part of life and as it is not a disease, most insurers do not cover maternity under the base health plan. Some insurer may have the maternity coverage but you need to check the coverage offered by the insurance company. As the process of pregnancy and childbirth has become a costly affair you need to know how much expenses are covered by your plan. If you are not getting a base health insurance plan with maternity coverage, take a maternity add-on. Most of the insurers have a minimum waiting period of 2-5 years, so you can go ahead with the policy which has minimum waiting period.

Maternity insurance usually covers delivery expenses and postnatal expenses. It also offers coverage for the newborn up to the expiry of the policy. So, the cost of vaccination is also covered under the policy.

Congenital disability

It covers the child who is born with congenital disability like Down syndrome, cleft lip and palate, etc. If you have coverage, the insurance company will pay a part of the sum insured for the treatment of the disease.

Women-specific diseases

After the age of 40, women become more prone to diseases such as arthritis, diabetes, irregular blood pressure, etc. Women are even more susceptible to bone-related disorders and breast cancer. Most standard health insurance plans do not cover women-specific diseases. Make sure your health insurance covers women-specific diseases such as breast cancer, vaginal cancer, ovarian cancer, cervical cancer, arthritis, and other diseases.

Buy policy before you hit 30

It is recommended to buy health insurance before the age of 30 as with age you become more prone to lifestyle diseases. If you have preexisting diseases it becomes difficult to choose a plan which suits your requirements best.

Safety first

Some women-specific plans also offer compensation for snatch theft coverage and expenses incurred in the event of kidnapping or abduction.

Free medical checkup

As women are more prone to diseases, it is important for them to undergo regular check-ups. Regular health check-ups help in identifying diseases at an earlier stage so recovery becomes easy and fast. Make sure your health insurance includes free health check-ups.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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