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Why Must Women Have a Separate Health Insurance Policy?

Posted On : 25 May 2023, 11 Months Ago. Health-Insurance Total Read 217

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Women health insurance is a kind of health care coverage inclusion strategy planned explicitly for ladies. Women go through more pressure than men consistently. They need to work both at the workplace and at home - dealing with children, servants, colleagues and more. Because of the new COVID-19 pandemic, women are working harder than usual.

These days, women health insurance plans likewise cover costs connected with COVID-19 treatment.

Remembering these elements, numerous healthcare coverage organizations have designed women-driven healthcare coverage inclusion strategies.

9 Reasons Why Every Woman Should Have a Separate Health Insurance Coverage

1. Gynecological problems

Health insurance tailored for women is more likely to address all health issues associated with a woman's reproductive system. These include chronic diseases and symptoms such as uterine fibroids, polycystic ovary syndrome (PCOS), endometriosis, and pelvic inflammatory disease.

2. Serious illness coverage

Unfortunately, women are more prone to more serious illnesses than men - including cardiovascular disease, breast cancer, osteoporosis, heart disease, anemia, and arthritis. This can be due to various factors, including genetics and a sedentary lifestyle.

However, this can lead to higher medical costs, so women need serious illness insurance that can help them when they need them.

3. Cancer treatment

The most common type of cancer in women is breast cancer, followed by cervical cancer, ovarian cancer, lung cancer, and stomach cancer. One in 28 Indian women can develop breast cancer at some point. Given this prevalence and the fact that women have a high survival rate when detected and treated early, it is essential to ensure that health insurance covers the disease and its treatment.

4. Diabetes coverage

The number of cases of diabetes is increasing in women. A common reason is gestational diabetes. This can occur during pregnancy, even in women who have never had diabetes. Blood sugar levels usually normalize after the baby is born, but increase the risk for women who develop type 2 diabetes later in life. Gestational diabetes affects at least 2% to 10% of pregnancies, and this number increases only when a woman decides to have a child in later years. Therefore, it is important to ensure that your health insurance covers diabetes.

5. Increased heart disease

Women today are living a stressful life. This means that you are at a higher risk of heart disease than men. Three in five women over 35 (about 69% of homemakers and 67% of working women) are at risk for cardiovascular disease. Therefore, it is essential to get a health insurance plan that covers these issues when you are young and healthy and keeps your premiums low.

6. Hypertension

Hypertension is another issue that's regularly neglected in ladies. Hypertension and high blood pressure have contributed to the passing of about 1.5 million each year in South Asia. And in India, it is assessed that 20-40% of individuals in urban ranges endure hypertension, which can lead to several other complications, particularly amid pregnancy.

7. Mental Well-being Coverage

Women are more inclined to several mental issues like misery due to the increment of push and uneasiness in their lives. While the IRDAI has instructed that all restorative protection plans cover the treatment of mental sicknesses, it is important to explore protections that give good coverage for the same. Most mental health covers will see after expenses once you have to be hospitalized. As it were, some safeguards cover costs for out-patient care like consultations.

8. Maternity Coverage

Pregnancy and parenthood come with overwhelming restorative costs with the rising fetches of healthcare. For the most part, maternity benefits are advertised as an add-on cover in a person or family's well-being protections. It covers everything from conveyance costs to pregnancy-related complications and healing center expenses. Thus, every woman who plans to have children in the future must guarantee that she has this insurance, which will cover all your required costs. Try to decide on an approach that moreover covers extras like infertility treatment or restorative essential terminations.

9. Infant Child Expenses

Another vital calculation to be beyond any doubt is that well-being insurance can cover a woman's infant child (more often than not up to the primary 90 days), which can be an incredible boon in cases of therapeutic complications or congenital disabilities. Usually typically included as a portion of a maternity cover, so be beyond any doubt to check to select an approach that incorporates this.

Conclusion

It is critical for women to prioritize and care for their health. Dealing with these concerns without health insurance can cause financial stress and deplete your finances. As a result, it's critical that you find a health insurance plan that addresses your individual medical issues. It will then assist you in obtaining financial assistance in times of need.

For more articles and information, you can visit our Niva Bupa website https://www.nivabupa.com/health-insurance-plans.html

Covid : Omicron | Coronavirus Health Insurance | Covid XE Variant | Norovirus

Health Insurance Schemes : Chief Ministers Comprehensive Health Insurance Scheme | Employee State Insurance Scheme

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