Finance

Guide to get health insurance for women

Getting health insurance is of critical importance in these times. Medical treatment costs are shooting up day by day. Getting quality treatment in any hospital can dent savings. A good health insurance plan ensures adequate and exhaustive coverage against different types of illnesses. Most of the plans also include some form of critical illness coverage.

Women have health problems that are different from men. Women are more susceptible to different types of cancers, such as breast cancer, cervical cancer, uterine cancer etc. Women can also have other problems such as endometriosis, and other uterine problems, which require surgery. They are more susceptible to arthritis and have a risk of medical problems and complications during pregnancy.

As such, women need to buy health insurance that covers problems specific to women. What happens is, most women get covered under family floater policies, and those policies may not have specific coverage for health problems that women face. As a result, when it comes to claiming under the health insurance plan, the medical treatment costs are disallowed.

Many insurance companies are now coming out with specific health insurance plans for women. These focus on giving proper coverage to medical costs related to women. Statistically, women live longer than men, and for most insurance companies, the premium for a woman is less than the premium on a similar policy for a man.

Here is a guide to get health insurance for women:

To get a comprehensive health insurance plan for women, it should take care of the following points:

1. The health insurance should cover critical illnesses as are included in a standard health insurance policy.

2. It should cover specific cancers that women are diagnosed with, i.e. breast cancer, cervical cancer, vaginal cancer, uterine cancer, ovarian cancer, fallopian tubes cancer.

3. It should cover maternity costs. Most families plan to have a child after marriage. Maternity costs are a significant expense that a family has to bear. A woman’s health insurance policy should cover maternity costs, i.e . hospitalisation costs, and expenses in case of emergencies during pregnancy.

4. Ensure the coverage is adequate. Medical costs in case of hospitalisation can quickly go up to INR 5 lakh for treatment from a reputed private hospital. While buying a health insurance policy, it is better to buy a plan which will provide adequate health cover even after 10-15 years of the plan.

5. The health insurance plan should also cover daycare costs, for procedures that do not require hospitalisation

6. Some health insurance plans also provide for free health check-ups. These health check-ups are exhaustive. It is beneficial and cost effective to pick a health insurance plan that includes a comprehensive checkup.

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