Five reasons why women need health insurance
In the busy life of juggling work, home and family, women tend to ignore themselves. While it is important to take care of the family, give your 100 per cent to your work, and of course manage household chores, it is equally important to care for self. When we say care, we mean to highlight care from all aspects - financial or health. Considering, women have to have a protection for themselves in the form of an insurance coverage because health concerns are many and can arise at any given point of time due to lifestyle changes. Remember our article on "why women are more prone to cancer?" It is not just cancer, but also other reproductive issues that may arise for a women.
So, when you are an equal breadwinner of the family, or even if you aren't, securing your life against health insurance is very important. What does a health insurance plan for women cover?
- These plans are specific to women and their health-related issues.
- They cover maternity expenses.
- They also have a personal accident cover.
- They also bear hospitalisation and post hospitalisation charges for critical illnesses treatment.
- There is also livelihood benefit in case of an accidental death or permanent disability of the insured.
But, before buying any health insurance, please keep in mind the following pointers always:
- Don't go for cheap plans because at the end of the day, your insurance should be able to foot your expenses.Ensure your coverage is adequate while you buy an insurance plan.
- Don't just stick to your official health insurance plan as when you move out from the organisation, you will not remain entitled to the benefits. Hence, it is important to have a personal health insurance plan for your trying times.
- You must try to buy an insurance at an early age as this way, your premiums will be lower, and you will able to reap in the benefits in the long run.
- A health insurance plan offers you the benefit of tax-saving as per Section 80D of the Income Tax Act, 1961. Women under the age of 65 years can claim a tax deduction of up to Rs. 30,000.
- A health insurance plan at the end of the day is a shield against unexpected health issues that can wipe off all your savings in one go.
Don't keep your health at bay, and invest in HDFC Life's vast array of online plans. From Cancer Care to 3D Plus, choose what suits your need and invest accordingly. Better to be prepared now than repent later.
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ARN: ED/12/19/17049
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