Gift Your Mom the Benefits of Health Insurance this Mother’s Day

Posted on: May 16, 2022 | 3 Min | Written by: HDFC ERGO Team

Gift Your Mom the Benefits of Health Insurance this Mother’s Day

Gift your mom a Health Insurance this Mother’s Day

A mother is one of the most special and caring persons who constantly looks after the well-being of her children, sometimes at the cost of her personal and professional life. Hence, as a child, it is your responsibility to do the best for your mother, especially when it comes to her health and happiness.

So, a good health insurance policy is a wonderful option if you are looking for a special gift for your mother this Mother’s Day, something that will show your love and care for her. With a good healthcare plan handy, your mother can avail of the finest treatment whenever required, whenever required, and the insurance company will cover the hospital bills. With most insurance companies selling policies online, you can shortlist a few options and buy the best health insurance for your mom from the comfort of your home or office.

Let’s take a look at the importance of health insurance for mothers.

Importance of Health Insurance for Mothers

While a healthcare plan is important for all, it is imperative for a woman who plays multiple roles in her daily life. A woman can be a mother, a homemaker, a businesswoman and a professional. And in carrying out all these roles and taking care of the day-to-day needs of her family, she often ignores her health and well-being. Hence, many women tend to develop lifestyle diseases, such as heart conditions, diabetes, high blood pressure, arthritis, and obesity, at an early age.

The following are some factors why health insurance is vital for your mother:

1. Quality healthcare

A health insurance policy will cover major hospital bills and other associated expenses if there is a medical emergency. Hence, your mother can opt for quality healthcare services and focus on her treatment and recovery rather than worrying about her mounting medical bills.

2. Timely treatment

With a health insurance policy at her disposal, your mother can avail of timely treatment and recover sooner. Timely treatment is essential to prevent a health condition from worsening further. The health insurance provider will cover her major medical bills, so she will not have a reason to postpone her treatment, thinking about the financial burden.

3. Helps with the treatment of lifestyle diseases and other conditions

Since infections and lifestyle diseases are increasing alarmingly among people of all ages, having one of the best health insurance policies can help meet her medical bills.

4. Cashless treatment facility

Health insurance providers allow policyholders to opt for cashless treatment at network hospitals. This will protect you and your mother from the worries of filing a reimbursement claim with the insurer. Cashless treatment will also help keep her savings intact.

5. Ensures financial security

Keeping medical inflation in mind, having a health insurance policy can save your mother from financial setbacks in case of a medical emergency.

6. Covers critical illnesses

A good health insurance policy will also provide coverage for critical illnesses. You can also purchase a critical illness cover as an add-on for better financial security. This is important as getting diagnosed with a critical illness can drain your mom’s savings in no time.

7. To avail of added benefits

Most health insurance policies also offer other benefits to policyholders, such as annual health check-ups, ambulance coverage, AYUSH benefits and pre- and post-hospitalisation expenses. All these can rapidly add up and take away a chunk of her savings.

Insurers in India offer a range of health insurance policies, so check the available options and buy a suitable plan for your mother. For example, if your mother is a senior citizen, shortlist the best health insurance for senior citizens, compare the policy inclusions and exclusions, and zero in on the one depending on her healthcare requirements.

Why Health Insurance is also important for Young Mothers?

Young mothers may require quality healthcare throughout their motherhood journey and after. Since this can be an expensive affair, having a medical insurance plan with adequate coverage can certainly help. With adequate health insurance, young mothers can choose to avail of quality treatment at the best hospitals of their choice without burning a hole in their pockets. Young women can also take health insurance with maternity coverage for added benefits. This coverage will help them meet their pregnancy-related expenses and prevent financial setbacks.

Also, since women are more prone to certain health conditions, such as breast cancer, ovarian cancer and cervical cancer, buying health insurance with critical illness coverage at a young age is a wise thing to do.

Suitable Health Insurance Policies for Mothers

Insurance companies in India offer a range of health insurance for senior citizens and mothers. So, instead of making a random selection, take time to compare a few plans and zero in on the most suitable option.

When buying health insurance, look for a plan that will cover your mother against conditions that may occur during old age, such as heart ailments, arthritis, cancer, and hypertension.

Also, choose a plan with some important inclusions, such as:

• Free annual health check-ups

• Cashless treatment

• Hospitalisation expenses

• Pre- and post-hospitalisation expenses

• Home healthcare

• AYUSH benefit

• Lifetime renewability

• Mental healthcare

• Organ donor expenses

• Recovery benefits

Since you are looking for a healthcare plan for your mother, you can buy one that offers coverage against breast cancer, vaginal cancer, ovarian cancer, and other conditions that are common among older women.

Some insurance companies cover cancer and other critical illnesses under a separate plan. So, you can also buy critical illness coverage as an add-on, especially if there is a history of life-threatening conditions in your family.

Conclusion

Health insurance is important for all, especially for older women and mothers who tend to neglect their health otherwise. With a healthcare plan, your mother will not have to think about her hospital bills before opting for a medical procedure. With the best health insurance policies available online, you can easily buy one with a few clicks. So, if you are searching for Mother’s Day gift ideas, health insurance is undoubtedly one of the best options.

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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