Significance of Health Insurance For Women

Today, the world is being outspoken about the world about the term feminism, it's high time we should pay attention to women's health care and hygiene. Women often get so involved in fulfilling family duties and responsibilities that they tend to forget their own good. She who takes care of everyone ,also deserves to get good quality healthcare .To ensure good quality healthcare to the backbone of the family, that is a woman one should consider buying a separate health insurance plan for women.

Coverage of Health Insurance For Women

A women health insurance plan provides coverage for the following -

• Women-specific diseases such as breast cancer, uterine cancer, vaginal cancer, ovarian cancer and cervical cancer
• Maternity expenses
• Hospitalization and post hospitalization charges
• Personal accident cover
• Monthly income support in case of accidental death and permanent full disability of insured women

Why Should You Buy A Women Health Insurance Plan?

You can consider buying a women health insurance plan for the following reasons -

• Inadequate Women-Specific Coverage Under Basic Plans

If you buy a basic health insurance plan the coverage you get is not enough for women-centric diseases. If you buy a separate Health Insurance for women,you will get high coverage with low premium rates and can enjoy other benefits too as per your needs and requirements . With such a policy in hand,you can avoid financial crises at the time of medical emergencies by opting for adequate cover.

• A Group Health Insurance May Not Be Enough

Nowadays, employers provide Health Insurance plants to the employees, if you work in such companies where they provide Health Insurance to you ,that policy would last as long as you stay in that organisation .That's why ,it is good to have your own personal health insurance policy so that you can enjoy benefits of such policy and at the time of any medical emergency. Also, your health insurance policy will be valid as long as you pay the premium.

• Medical inflation

Medical inflation is rising at an alarming rate, because of this reason if you don't have an adequate insurance cover there is a high possibility that medical bills can wipe away all your savings and can push you closer to a financial crisis. Having a mediclaim policy can ensure your financial safety.

• To Keep Your Future Financial Secure Against Medical Emergencies

You must have heard that early bird catches the worm, that means women should buy a health insurance policy at a young age ,when her health is at its peak and she is free from any medical complexity. It would turn out to be beneficial for her in the future .The Perks of buying health insurance policy at a young age is that you can enjoy low Premium rates also at the same time insurance policies offer you a comprehensive cover. As one grows old the premium rate of the policy increases and simultaneously the coverage decreases.

• Tax Benefits

If you are an independent woman and a taxpayer you should consider buying a health insurance policy for yourself because as per section 80d of Income Tax Act 1961 women under the age of 65 years can claim a tax deduction upto ₹ 30000.

• To Remain Prepared For Uncertainties of Life

As they say hope for the best and prepare for the worst. Even if you are medically fit you should consider having a Health Insurance policy in hand because health insurance policy provides a shield to you and protects you from the unexpected health issues that can lead to financial crisis.