What is Women Health Insurance and How does it work

Hectic and sedentary lifestyles have led to increasing stress related disorders and diseases among the Indian working class, especially women. They are more susceptible to get serious ailments like hypertension, diabetes, osteoporosis, arthritis etc. which can become chronic illnesses hampering their daily activities. As such, it is imperative that a comprehensive health insurance plan should be available to women just like men so as to cover any of their health and medical emergencies.

What is Women Health Insurance?

• With more and more women paving their career paths, insurance companies are also realizing the importance of giving priority to health of the women in the workforce.
• Companies are also drawing up group insurance plans considering the requirements of their women employees.
• Such plans are designed to include maternity health insurance benefits, cover women related illness which they may incur during their lifetime.

What is the importance of having women health insurance?

• Modern lifestyle habits and increase in stress levels take a serious toll on the health of majority of women in India.
• Women need to take care of themselves during their childbearing stage both during pre and post pregnancy.
• Women are mostly the caregiver in a family making them more stress and illness prone.
• Having women specific health insurance plans would help them to lead a stress free life and better manage any of their illnesses.
• Women Health Insurance policies would help them to avail health care benefits in the most prudent manner.

How does a women health insurance plan work?

• Type of plan and purpose for which it is required should be carefully evaluated before opting for any women health insurance policy
• Opt for a plan which covers any pre-existing disease
• Women who are planning for pregnancy should also check out maternity oriented health insurance plans whether as a standalone or as part of the regular health/group insurance plan
• Go for an insurance plan with higher claim settlement ratio and easy claim process
• Plan should have access to wide range of hospital networks that are able to cater to your medical emergencies in an appropriate manner
• Check out the waiting period available in the plan as most plans have a waiting period of 2-5 years for pre-existing diseases
• Go for plans with added benefits like covering most illness like cancer, thyroid , arthritis, etc.