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Health Women, Healthy World - Why Women need to buy separate Health Insurance

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Published on January 24, 2021 | Est Read Time: 3 min

Women play a very important role in our lives taking care of their health and well being is vital. While it is important to take care of the family, give 100 % to work, and of course manage household chores, it is equally important to care for yourself. In today’s time, women are juggling various roles without realizing the amount of stress they go through with. Undoubtedly, women’s health concerns need to be addressed. And for that reason, top health insurance companies have geared up to offer the health insurance to women in India with their specific insurance plans, catering to their specific health issues.

Women are more prone to illnesses as compared to men now finally there are health insurance plans made specifically to cater to the needs of women. Working women do not take additional health plans; they are usually covered under a group health plan taken by their employer. However, the group health plan may not cover illnesses that women may be prone to and leave them financially incapacitated. The illness of a woman has far-reaching consequences on the well-being of the family. Heart disease, cancer, reproductive health problems, thyroid, diabetes, and hypertension, etc. are the common illnesses women are prone to. Moreover, women face exclusive health concerns such as pregnancy, reproductive tract cancer, ovarian and cervical cancer, and breast cancer, etc. 

Here are some top reasons why women need to buy a women health insurance plan:

1. Increasing heart-related diseases
Women are busy playing multiple roles in today’s time juggling between work and family is stressful as they have to take care of various responsibilities. It is said men are more prone to heart diseases but that’s not true. Three out of five women are at risk of contracting heart disease. Around 69% of housewives and 67% of working women over 35 years of age are prone to cardiovascular diseases. 

2. Hypertension
Life is so stressful nowadays. It’s a very common lifestyle disease that is present within individuals off lately. Hypertension and high blood pressure have killed nearly 1.5 billion people every year in southeast Asia. Around 20-40% of the people in urban areas are suffering from hypertension. This is increasing at an alarming rate among women specifically. 

3. Cancer
Cancer is a very common illness among women. The most common cancer in women under age 60 globally is cancer of the breast, followed by cancers of the cervix, lung, and stomach. Breast cancer is the leading cause of death among women between the ages of 20 and 59 years in high-income countries, where it causes more than one in every 10 deaths in this age group. The most common cancer is breast cancer which one in every 28 women suffers from.

4. Maternity
Being a mother is one of the best feelings in the world, but being a mother invites a host of pre and post-maternity health issues. Maternity is not covered under a regular health plan, as it is not a ‘disease’. Even if the medical policy covers the benefit it comes with a long waiting period. A maternity cover, on the other hand, would include hospital expenses and may also cover the newborn for a certain period, depending upon the policy chosen.

5. Coverage beyond corporate policy
An additional policy specifically for women and that too at a minimum premium is very important. Due to any unfortunate situation if there is a loss of job, then the health insurance policy can cover you for any medical expenses which might occur in the future. Various women-specific surgeries might be covered under a women's health insurance policy which otherwise would not have. 

Consider the following points before buying women health insurance policy:

• While finding the best health insurance in India for women, consider special health insurance policies that provide maternity benefits to women and the newborn. 
• Policies covering breast cancer, cervical cancer, etc. should be taken into consideration. 
• Women can succumb to hormonal problems at an early age, so the sooner the policy is bought, the better. As most of the health insurance policies have a waiting period clause for pre-existing diseases and some may not even cover the diseases which have already been diagnosed.
• Cashless hospitalization is a better option for women, who are looking for a hassle-free claim process. It is available at the network hospitals, which are impaneled under the insurance plan. More the network hospitals the better it is for the customers. 
• Select an insurance company with a good claim settlement ratio, which can be checked online on the website. You can even look at the customer reviews. 

Conclusion: 
All women are special and taking care of their health is very important. Women need not be a part of a family floater plan always; it’s time to prioritize their health and buy comprehensive health insurance for women that specifically cater to their medical problems. Women must care for their well-being to lead a successful and quality life. Choosing the best health insurance plan available, based on the needs, is the key to enjoy the benefits to the fullest!

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• Reasons Why Working Women Need Health Insurance

• Health Women, Healthy World - Why Women need to buy separate Health Insurance

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