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Importance Of Health Insurance For Women

Updated On May 01, 2021

Women are becoming self-dependent, and they have become equal wage-earners of their families. Women are also able to take their financial decisions, such as in regards to their savings and investments. Thus, much has been said about the importance of insurance in women’s life. Still, women tend to ignore health insurance policy. As a result, they are either underinsured or have no coverage at all.

Health plans for women cover the following:

  • Maternity expenses.
  • Breast cancer, fallopian tube cancer, uterine cancer, vaginal cancer, cervical cancer, and ovarian cancer.
  • Personal accident cover.
  • Support of livelihood advantage in case of the accidental death or permanent disability of an insured woman.
  • Hospitalization and post-hospitalization charges for critical illnesses treatment.

Points To Consider When Buying Health Insurance

Some important points to consider when buying health insurance are as follows:

1. Buy Personal Health Insurance

The legality of your health insurance coverage is related to how long your tenure is with the organization directly. The moment your relationship with the organization is over, the health insurance plan slips. Retirement, job change, etc. affects your financial budget. Providing you are paying the policy premium, your health insurance cover is legitimate.

2. Economic Is Not Adequate

When you purchase health insurance, you get to see a range of basic health insurance plans that offer you coverage for minor illnesses. These plans may be inexpensive but the coverage provided would be lacking. Avoid financial emergencies during medical emergencies by choosing adequate coverage.

3. Buy Medical Insurance When Young

Women must purchase medical insurance when they are young, as they are free from any medical complications. The advantage of buying health insurance for women early is that the premium rate is lower. At the same time, the health policy offers you a wide-ranging cover. As you grow old, the premium rate increases, and coverage lessens likewise.

4. Inflation

If you do not have sufficient insurance cover, medical bills can remove all your savings and push you near a financial crisis. The inflation in the medical sector is increasing at an upsetting rate; a Mediclaim policy can guarantee your financial security.

5. Prepare For The Unexpected

Having a defensive shield of insurance prepares you for the unanticipated health problems that can even deteriorate in the future. It can put an added load on your shoulders.

6. Tax-Benefit

Besides providing you an insurance cover, having a health insurance plan provides you the advantage of tax-saving as per Section 80D of the Income Tax Act, 1961. Women below 65 years can claim a tax deduction of equal to Rs. 30,000.

Health insurance is thus important to women of all age groups. For instance, young girls can opt for health insurance with their parents, and married women can opt for an individual policy.


It is very important to understand the necessity for health insurance which can save women from a vast financial crisis in a time of a medical crisis. The expenses of hospitalization and exclusive medical treatments are so costly today; it is nearly not possible to afford that cost by self devoid of essential support from insurance.

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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