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Things to Consider Before Buying Women Health Insurance

Things to Consider Before Buying Women Health Insurance
June 02, 2021

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

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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