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Health Insurance for Women

Women's Health Insurance

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Everybody should have a medical insurance policy to protect themselves in case of a planned or unplanned hospitalisation. Health insurance plays a pivotal role in everybody’s life. It is required regardless of gender. There could be a medical need at every stage of a woman’s life that may or may not be covered in a general medical insurance coverage.

Hence, having a women’s medical insurance policy should cater to your specific requirements. New-age digital insurance companies have made it easier to apply for women health insurance online. Most of these online medical coverages offer protection against critical illnesses. 

Factors Which Affect Women’s Medical Insurance Policy:

  • Individual or family floater health insurance.

  • The waiting period for pre-existing diseases coverage.

  • The waiting period for maternity coverage.

  • Value-added services.

  • Network hospitals.

  • Limit of room rent, age and treatment cost.

  • OPD expenses.

Benefits of Buying Health Insurance for Women

Financial independence for healthcare

Today, women are excelling in each and every field. Their confidence and courage have led them to become financially independent. However, it may get hampered when the woman cannot work due to a medical condition. Health insurance for women can provide complete financial independence in such a situation. Health insurance will provide financial aid for treatment resulting in proper recovery without hiccups.

Maternity expenses

The maternity cost has increased exponentially in the past few years. What begins with regular check-up, ultrasound, medicines, slowly and steadily escalates to hospitalization, pre and postnatal care, etc. Without an insurance cover, these costs can have a huge impact on the savings of a family. Thus, buying health insurance plans that include maternity expenses is beneficial. Here are the basic coverages under a maternity health insurance plan.

Tax Benefit

Buying a health plan can allow tax benefits under section 80D of the Income Tax Act, 1961. You can claim up to rupees 25,000 on health insurance premium for yourself, your spouse, parents or children. The benefit increases to Rs. 50000 when health insurance premium is paid for senior citizen parents.

Critical Illness

Different types of critical illnesses are covered under a women’s health insurance plan. Women may suffer from peculiar diseases like breast cancer, fallopian tube cancer, uterine/cervical cancer, ovarian cancer, vaginal cancer, permanent paralysis of limbs, multitrauma, burns, etc. Once a critical illness is discovered, your health insurance plan may cover the entire cost of treatment via a lump sum amount.

What is Covered in Women Health Insurance Policy?

Before you decide on purchasing a health insurance policy for women, you need to understand what is included in the policy. Here are some of the common inclusions:

  • In-patient hospitalisation.

  • Pre- and post-hospitalisation cost.

  • Daycare procedures.

  • Maternity.

  • Ambulance charges.

  • No-claim bonus.

  • Domiciliary hospitalisation.

What is Not Covered in Women Health Insurance Policy?

There are some common exclusions in medical insurance for women. Here are some of them:

  • Pre-existing diseases (waiting period).

  • Cosmetic surgery.

  • Critical illnesses unless offered as standalone coverage.

  • Sexually transmitted diseases such as HIV.

  • Dental or joint replacement.

  • Congenital diseases.

Benefits of Women Health Insurance Plan:

Here are some of the common benefits of women medical insurance plan:

  • Cashless hospitalisation.

  • Maternity coverage.

  • Pre- and Post-Natal expenses.

  • Vaccination costs of newborn babies.

  • Tax benefits.

  • Critical illnesses coverage.

Women Health Insurance Eligibility

Below is the eligibility criteria to avail medical insurance designed for women:

Age Limit

Women in the age group of 18 years to 65 years can apply for a health insurance coverage.

Children

Children in the age group of 90 days and 25 years are eligible for a medical insurance policy.

Medical Condition

If you are above the age of 45 years, some insurance companies require a medical test before they can offer a policy.

Documents Required

To apply for a women’s health insurance plan, here are the documents that are required:

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Age Proof

Passport, Driving License, Voter’s ID, Birth Certificate, etc.

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Identity Proof

PAN card, Passport, Driving License, Voter’s ID, etc.

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Address Proof

Ration card, Aadhaar card, Passport, bank statement, electricity or telephone bill, Voter’s ID, etc.

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Photographs

Apart from the mentioned documents, you must submit the required number of passport size photographs.

How to Buy Health Insurance for Women?

Buying a medical insurance plan for a lady is very easy if done online. For that matter, buying any insurance plan online is easier than buying the policy offline. First analyze your requirements, for example, ask yourself questions like to do you require a maternity cover in your health insurance benefits? Is anyone in your family suffering from a critical illness? Once you know your expectations from your medical insurance, you can begin hunting the exact plan. Comparing various health insurance plans will also be beneficial at this stage.

Once you finalize your health insurance benefits, visit the insurer’s website and enter the required details. Get a medical checkup scheduled if asked by the insurer. You can then review the policy by reading the coverage, exclusions, and terms and conditions of the policy before making the payment. Once your application is processed, your policy will be sent to your registered email address.

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

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