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Benefits of Health Insurance for Women

Published On Mar 19, 2021 5:30 AM By KANIKA WADHWA

It is truly said that a woman is the backbone of a family. She keeps the wheel spinning at all times.Some people even say that a home without a woman is no home at all. A woman play such an important role in everyone's life be it a mother,sister ,wife ,daughter or a female friend. They hardly pay enough attention to themselves and their health care.

Ensuring that a woman gets all the needed medical attention at the right time can be achieved by managing finances in the right manner and proportion. Health Insurance is the perfect solution for this let us know how.

What are Health Insurance Plans for Women?

The market offers women specific Health Insurance plans designed specifically as per a women's needs. Some health insurance policies offer inbuilt pregnancy related cover. These plans are especially designed with an intention to cover diseases and illnesses that a woman is prone to get during her lifetime.

Benefits of Health Insurance for Women

Benefits of Health Insurance Plans for Women

Health insurance plans specifically made for women come with various benefits. Some of them are mentioned below.

1.Financial Independence for Women

Today women are capable of achieving excellence in each and every field they want to and and they are doing so Tu they are becoming financially independent because of their confidence and courage however it can get hampered if if the women cannot work due to to a medical condition health insurance policy for women can give complete financial independence in such situations Health Insurance will provide financial aid for treatment it at the time of any medical emergency.

2.Critical Illness

Various kinds of critical illnesses are covered under a women's health Insurance plan. Women may suffer from diseases such as breast cancer, fallopian tube cancer, cervical cancer, ovarian cancer, vaginal cancer etc.
When diagnosed with a critical illness you get coverage for the entire cost of treatment via lump sum amount.

3.Tax Benefits

Buying a health insurance plan allows you to avail tax benefits under section 80d of the Income Tax Act, 1961. One can claim tax deduction up to rupees 25,000 on the amount paid for health insurance premium for yourself, your spouse ,parents and your children. The benefit can increase up to rupees 50,000 ,when the premium amount is paid for senior citizens i.e. above the 60 age category.

4.Maternity Expenses

The Maternity related Healthcare cost has increased drastically in the past few years. It begins with regular checkups, ultrasound, medication, and then escalates to hospitalization ,pre and postnatal care etc. Without having an insurance plan in hand, these costs and expenses can have a huge impact on savings of a family. Thus health insurance policies that include Maternity benefits are beneficial to buy. Given below are some basic coverages under a Maternity health insurance plan:

5.Pre and Post Hospital Hospitalization Expenses

Health insurance policies provide coverage for expenses incurred 30 days before hospitalisation and 60 days after delivery. The duration can depend on terms and conditions of the company.

6.Delivery Type

Both the types of deliveries that are cesarean or normal are covered under the Maternity Benefit.

7.Newborn baby cover

Newborn babies get coverage up to 90 days from birth. The cover main gets extended in case of a serious condition.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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