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Why Women Need To Invest In Health Insurance Early

Here are a few covers that women can now opt to include in their health insurance for complete health protection

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With the modern lifestyle evolving, there has been an influx of lifestyle risks for women that have risen significantly. Due to lifestyle habits like the low quality of sleep, limited exercise, stress and pollution, it is very common to see women in their 20s and 30s suffer from backaches, body aches, fatigue and headaches, nowadays. Many women ignore or tend to overlook these symptoms, which lead to future complications. As a result, the number of women suffering from lifestyle diseases like diabetes, back-related diseases, thyroid issues, cardiovascular diseases and infertility has grown alarmingly in the last decade.

Health Insurance has become critical but buying insurance at an early age is even more necessary these days. Especially for women, buying comprehensive health insurance provides a lot of benefits like low premiums, surpassing waiting periods and lower chances of pre-existing diseases. Unfortunately, not too many health insurers have taken account of such health care requirements and included benefits that would cover these specific needs.

New age insurers and some traditional players are however gradually keeping pace with the changing healthcare needs for women and have included some relevant benefits that women should include in their health insurance plans.

Here are a few covers that women can now opt to include in their health insurance for complete health protection:

Maternity and New Born Care: While many insurance plans cover delivery expenses, it is important to choose a plan that also covers the baby. Some plans include child-delivery (including medically necessary terminations), infertility expenses and coverage for the new-born baby, at least up to its first 90 days. This also helps the new parents be stress-free on the expenses that they incur during the whole process and help them focus on the well-being of the mother and child. 

Medical Check-up Expenses: Women tend to ignore the signs of declining health until it’s too late. But now, due to increasing awareness, they are more proactive in doing a medical check-up. These expenses are incurred every year, and the insurance plan covers all expenses that have taken place for medical tests and check-ups. Some plans also tend to reimburse this check-up costs so make sure to pick a plan that gives you an option to choose. 

Psychiatric Illness Cover: Unfortunately, women are often subjected to trauma that causes a mental breakdown. It is usually kept under wraps, and this leads to depression and other mental illnesses. Health insurance plans nowadays include expenses for hospitalised psychiatric treatment that is needed to be done in case of any trauma. 

Bariatric Surgery: This cover should be a part of every woman’s plan who has a risk of organ failure due to obesity or BMI > 35. With all the running around, women tend to forget to take care of themselves. Lack of right amount of sleep, genetic disorders and unhealthy lifestyle leads to obesity.  This cover is beneficial in those times when obesity cannot be treated in any other way and women have to look at surgery as the only option.  

Critical Illness Treatment: Cancer has become a common illness that is very expensive to treat. Women are highly prone to breast cancer and other critical illnesses that cost a lot. The treatment and the tests are expensive, and so is the medicine and hospital stay, if required. Women should look for an insurance plan that not only covers the treatment of the critical illnesses but also provides an additional benefit that will cover the additional expenses like the hospital visits or hospital stay, room rent, etc. 

It is said ‘Health is wealth,’ and it stands true. The result of not opting for health insurance at the right time, can result to the increase in the premiums rates and choosing a plan that does not cover all required expenses. This is why, women must invest in a health plan as early as possible to be able to take advantage of the benefits of a comprehensive cover at the right time. Also given the fact that women balance so much in their personal and professional lives, they are prone to diseases in the modern days five times more than it was before. Also, with the rising medical inflation, it is imperative that they invest in one of the most important assets early in life: their health!

Disclaimer: The views expressed in the article above are those of the authors' and do not necessarily represent or reflect the views of this publishing house. Unless otherwise noted, the author is writing in his/her personal capacity. They are not intended and should not be thought to represent official ideas, attitudes, or policies of any agency or institution.


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Vivek Chaturvedi

The author is Head of Marketing, Digit Insurance

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