Things to Consider Before Buying Women Health Insurance
In the last few decades, Indian women have been transcending their conventional domestic responsibilities beyond being homemakers. They are now actively engaged in professional and economic activities. Handling key responsibilities both at home and work, more and more women today are being exposed to excessive physical strain and mental stress leading to a rise in lifestyle-related diseases among them.
1. Women Health Issues and the Need for Health Insurance for Women
Men also encounter lifestyle-related diseases such as cancer, diabetes, hypertension, and cardiac arrest, but studies have shown that women are more vulnerable to such ailments than men, making a case for their special and immediate medical attention. With ageing, women are also susceptible to osteoporosis, and UTIs. While a healthy lifestyle in terms of a balanced diet, adequate sleep, and regular physical activity are useful in guarding against such ailments to an extent, opting for a women’s health insurance plan can help save their lives during critical medical emergencies without having to worry about the finances.
2. Points to Consider before buying health insurance for women
Before proceeding to buy a women health insurance plan, it is important to consider a few points as stated below:
3. Bigger Coverage for Financial Security
Ensure that you opt for a women’s health insurance plan that won’t have you running from pillar to post for finances during a medical emergency. Look for a policy that provides wider coverage to meet your medical expenses ensuring financial security.
4. Range of Mediclaim Benefits
A comprehensive women’s health insurance plan must cover a wide range of medical benefits that include pre and post hospitalisation expenses, accidental cover, maternity benefits, emergency treatment cover for the insured and her family.
5. Vast Network Hospital Coverage and Quick Claim settlement
Choose a women’s health insurance policy that covers a wide network of hospitals across the country and allows for cashless hospitalization throughout the network. Check if the insurance policy includes the list of top hospitals closer to your home so that you need not waste your precious time travelling during a medical emergency. Also, go with an insurer that has a good claim settlement ratio as per IRDAI norms.
6. Tax Benefits
Premiums paid towards health insurance for women must be eligible for claiming tax exemption under section 80D of the Indian Income Act, 1961.
To sum up, a woman is the fulcrum of any family and women have a big part to play in the creation of a healthy society. Thus, every family must treat women’s health as their foremost priority. Women too must self-care for themselves by maintaining a healthy and stress-free lifestyle to ably fulfil their familial and professional responsibilities. Besides, opting for all-inclusive health insurance for women such as the HDFC Life Easy Health Plan ensures ample financial protection to the women insured and her family to handle critical illnesses during an emergency.
ARN: ED/05/21/23837
Related articles:
- 5 reasons why women need health insurance
- Insurance for Women
- 5 Facts about Health Insurance with Maternity Cover
- Why Women Believe They Don't Need Health Insurance
Term Plan Articles
Investment Articles
Savings Articles
Life Insurance Articles
Tax Articles
Retirement Articles
ULIP Articles
Subscribe to get the latest articles directly in your inbox
Health Plans Articles
Child Plans Articles
Popular Calculators
Here's all you should know about life insurance.
We help you to make informed insurance decisions for a lifetime.
HDFC Life
Reviewed by Life Insurance Experts
HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER
We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.
Popular Searches
- Term Insurance Calculator
- Investment Plans
- Investment Calculator
- Investment for Beginners
- Best Short Term Investments
- Best Long Term Investments
- 5 year Investment Plan
- savings plan
- ulip plan
- retirement plans
- health plans
- child insurance plans
- group insurance plans
- income tax calculator
- bmi calculator
- compound interest calculator
- income tax slab
- Income Tax Return
- what is term insurance
- Ulip vs SIP
- tax planning for salaried employees
- HRA Calculator
- Annuity From NPS
- Retirement Calculator
- Pension Calculator
- nps vs ppf
- short term investment plans
- safest investment options
- one time investment plans
- types of investments
- best investment options
- best investment options in India
- Term Insurance for Housewife
- Money Back Policy
- 1 Crore Term Insurance
- life Insurance policy
- NPS Calculator
- Savings Calculator
- life Insurance
- Gratuity Calculator
- Zero Cost Term Insurance
- critical illness insurance
- itc claim
- deductions under 80C
- section 80d
- Whole Life Insurance
- benefits of term insurance
- types of life insurance
- types of term insurance
- Benefits of Life Insurance
- Endowment Policy
- Term Insurance for NRI
- Term Insurance for Women
- Term Insurance for Self Employed
- Benefits of Health Insurance
- Health Insurance for Senior Citizens
- Health Insurance for NRI
- Best Term Insurance Plan for 1 Crore
- personal accident insurance
- Annuity Calculator