Empowering Women with the Right Health Insurance Choices

While women have paved a long way in today’s world in terms of equality and career opportunities, they often do not prioritise their health enough. Considering women tend to have a different set of health requirements than men, they should opt for health insurance policies that specifically target women’s health issues and their healthcare needs.

Thus, having a suitable health insurance plan is no less than a symbol of empowerment in the present scenario of medical inflation. In this article, we will provide you a comprehensive guide about the needs and benefits of a health insurance policy, specifically for a woman.

Why do Women Need a Personalised Health Insurance Plan?

Go through the following points to learn about the crucial reasons why it is important for women to have their health insurance plan:

●      Gynaecological Concerns

There are many gynaecological issues that women may encounter as they age, which include fibroids or cysts, and related diseases. With a comprehensive health insurance plan for women, you can have it all covered ranging from diagnostic tests to surgeries.

●      Critical Illness

At times, women may come across chronic health issues like breast cancer. It is quite a common and critical illness among women today that requires huge expense to treat on time. Your health insurance can help you afford that along with targeted therapy, chemotherapy etc.

●      Diabetes

Stress is undeniable in today's life. Such stress and an unhealthy diet of daily life often lead to gestational diabetes. And if not taken care of on time, diabetes can affect your eyesight and kidneys. Thus, health insurance is a must for women facing diabetes.

●      Annual Health Checkup

With time, women need to go through a regular annual health check-up to ensure there is nothing to worry about in terms of health. These checkups should be primarily regarding cholesterol, blood pressure, mammograms etc.

●      Other Major Concerns

Apart from the regular health issues, there may be other concerns as well that might be caused due to accidents or any injuries. Your comprehensive health insurance shall also provide you coverage on that.

What are the Factors to Consider While Purchasing a Health Insurance Plan for Women?

There are quite a few factors that you must keep in mind while you are purchasing a health insurance plan for women, which include the following:

●      Health Profile

Your entire health profile which includes your medical history with pre-existing medical conditions, existing health issues and potential health concerns in the future, must be submitted while going for a healthcare plan.

●      Age

Age is the most crucial factor that defines the health of a woman since they usually encounter health issues as they age. Thus women above 40 years of age must go for a plan with better coverage, leading to higher premiums.

●      Type of Policy

The type of health insurance policy you opt for will impact the monthly premiums. You will have to pay higher premiums for individual women’s healthcare plans, while it would be lower if you are covered in a family floater plan.

●      Lifestyle

Unhealthy habits such as smoking and drinking will be taken into consideration while concluding the premiums. In case your lifestyle includes these practices, your payable premiums will be higher than usual since such habits cause more health issues in the future.

What is Covered in a Health Insurance Policy for Women?

Given below are the medical expenses for which you can claim coverage in a health insurance plan for women:

●      Pre and Post Hospitalisation

Your comprehensive health insurance plan will provide you with financial coverage for all the medical expenses incurred during before and after your stay in the hospital. However, there is a specific period till which this facility is applicable, as per the terms and conditions.

●      Cashless Hospitalisation

You can also opt for cashless hospitalisation as a policyholder, through which all the medical expenses you had to bear during your stay in the hospital will be reimbursed to your account instantly by your health insurance company.

●      Teleconsultation

If you are a policyholder, you are allowed to connect with specialised medical practitioners online free of cost. Regardless of your location, you can have effective sessions with doctors regarding your existing health issues, asking about their remedies or following up on your health goals. For more details on teleconsultation and other benefits, you can find out more.

●      Zero Copay

Comprehensive health insurance policies for women come with zero copay benefits, which means you do not have to make any payments from your pocket to cover the medical expenses of the insured members. Your health insurance provider will take care of it, without leaving you in any financial burden.

The Bottom Line

To conclude, every woman should have a customised health care plan to ensure their good health. It is not only a part of effective financial management but also lets them continue their legacy of being empowered women. So make sure to evaluate your healthcare requirements today, research and opt for the ones that perfectly satisfy your preferences.