Health Insurance for Women

Everyone should have health insurance, irrespective of gender. However, the point to note is that the requirements can vary depending upon the gender. Thus, it is crucial to understand different aspects of health insurance for women. For example, a woman’s body undergoes a lot of changes post 30s and 40s. Pregnancy-related factors, lifestyle, etc., play a huge role in this regard. All this enhances the need for comprehensive insurance. Read ahead as we explore the ‘women insurance’ topic in detail.

Here’s a list of reasons highlighting why health insurance for women is crucial.

As women age, they might have serious gynaecological concerns. Issues such as fibroids, cysts, etc., can come up that can lead to health complications. Health insurance for women can help with managing the financial aspects associated with treating these issues.

A comprehensive women's health insurance policy will typically cover the costs of diagnosis, treatment, and surgery for these conditions. In addition to covering the costs of treatment, health insurance can also provide peace of mind. Knowing that you have coverage in case of a gynaecological problem can help you to relax and focus on your health.

Women can encounter critical illnesses such as Breast Cancer. Treating such diseases can prove to be costly. For instance, the cost is dependent on the stage of the Breast Cancer as well. There can be different types of therapies involved, such as chemotherapy, targeted therapy, etc. Without adequate insurance support, meeting such needs can be challenging.

A wide-ranging policy will cover pre-hospitalisation and post-hospitalisation expenses as well along with covering the hospital and surgery costs. Knowing that you are covered under insurance for women’s health will ensure peace of mind.

Gestational diabetes can be a serious cause for concern among women. It can cause several complications, which can in turn lead to various issues. Here, insurance for women’s health can be a financial safeguard.

As women age, it is extremely important to have regular preventive health check-ups. Annual check-ups can help identify health issues at an early stage so that timely action can be undertaken. Some of the check-ups that are commonly done are mammograms, blood pressure screening, cholesterol issues, etc. Insurance for women’s health covers expenses incurred towards such preventive check-ups up to a predefined limit. This means that you will not be required to incur out-of-pocket expenses till the covered limit for such preventive check-ups.

Apart from the concerns mentioned above, other health-related concerns such as a health emergency due to an accident are also possible. Here, women’s health insurance can provide the much-needed financial support.

Also, it is recommended to get insured at the earliest. Waiting for one to age and then thinking of buying health insurance can prove to be costly both in terms of the payable premium as well as the lack of coverage in the case of unexpected medical expenses when one is not covered.

Keep the following factors in mind while buying health insurance for women.

Some basic health plans may offer coverage for minor ailments at a lower premium, but these plans may not be enough to cover the cost of more serious health problems. If you are diagnosed with a critical illness or have an unexpected medical emergency, a basic plan could leave you with a financial burden. To avoid this, it is important to choose a women's health insurance plan with comprehensive coverage. This will make sure that you are covered in the event of a medical emergency.

What this means is that your women health insurance policy should cover expenses that occur prior to hospitalisation, during the hospitalisation, and after the hospitalisation. Coverage for preventive check-ups and services like tele-consultations are also advantageous.

If you are a working professional, you may have a group health insurance plan through your employer. This plan may seem like enough coverage, but it is important to also have an individual health insurance policy.

Here are some reasons why:

Thus, even if you have a good group health insurance plan, it is still a good idea to have an individual health insurance policy. This will give you peace of mind knowing that you have coverage, no matter what happens.

Health experts predict that medical costs will continue to rise in the future. This is due to a number of factors, including lifestyle issues, the increasing prevalence of chronic diseases, and the rising cost of new technologies.

As medical costs rise, it is important to have health insurance to protect yourself from financial hardship. Health insurance can help you pay for the cost of hospitalisation, doctor's visits, and other medical expenses.

Women are especially vulnerable to rising medical costs. This is because they are more likely to encounter specific health conditions, such as breast cancer and ovarian cancer. For these reasons, it is especially important for women to have a health insurance policy with a higher sum insured that can cover high medical costs so that you do not have out-of-pocket expenses.

Purchasing health insurance at an early age can be beneficial for women in a number of ways.

Look for an insurer that ensures smooth claim settlements. This means that the insurer’s processes are digital (can be accessed via website/app), customer support is 24x7, and online reviews are positive.

The eligibility criteria for insurance for women’s health and the premium charged for the policy usually depend upon the following criteria.

Digital-first insurance companies do not need a long list of documents for offering insurance for women’s health. However, the following might be needed on a case-by-case basis.

If you are looking for women’s health insurance, you can buy the ACKO Platinum Plan. Here’s how to go about it.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.