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Why Is It A Must For Women To Have A Health Insurance Plan?

Published On Aug 22, 2022 12:00 PM By InsuranceDekho

Women are making enormous achievements in every imaginable industry and smashing glass ceilings through education and empowerment, even though awareness of women's health is still in its infancy. This is due to the expectation that even in modern times, a woman with a good job will serve as the primary or sole caretaker for the family. In other words, women frequently end up ignoring their own problems and health. Now is the moment to do that. So, continue reading to learn more about the significance of a personal policy for women.

Why Is Health Insurance So Crucial For Females?

Today's women fulfil a variety of responsibilities, including caretaker, professional, housewife, wife, mother, and occasionally the main provider of income. They pay the least attention to their own health while playing all these roles. Therefore, because they are not financially prepared, their financial stability is put at risk when a serious sickness strikes. Women are more vulnerable to several diseases than men. Women should have individual health insurance in order to safeguard their income and healthcare demands.

Benefits Of Having A Separate Health Insurance Plan For Women

Due to the following factors, women should purchase their own health insurance:

  • Maternity Coverage

Pregnancy and motherhood come with significant medical costs due to the rising cost of healthcare. Pregnancy benefits are typically provided as an add-on benefit in individual or family health insurance. It includes hospital costs as well as everything from delivery costs to issues associated with pregnancy.

As a result, every woman who intends to have children in the future must make sure she has this coverage and that it will pay for all necessary charges. Choose a policy that includes extra benefits like coverage for infertility treatment or medically necessary abortions.

  • Annual Physical Examinations

Many women put off going to the doctor until something is already really wrong, ignoring warning signs and symptoms like pain or discomfort because they assume it won't affect them much.

However, scheduling routine annual checkups can aid in keeping track of general health and spotting any developing medical concerns early on. This can be crucial when it comes to mammograms to screen for breast cancer, blood sugar levels to detect diabetes, or pap smears to detect cervical cancer.

You will be able to avoid, treat, and cure many illnesses with the help of this early diagnosis, which might end up saving you a tonne of money on future medical expenses.

  • Gynaecological Concerns

All healthcare issues relating to a woman's reproductive system are more likely to be covered by health insurance designed specifically for women. This covers long-term illnesses and disorders such as endometriosis, PCOS, uterine fibroids, and pelvic inflammatory disease.

  • Coverage For Critical Illnesses

Unfortunately, women are more prone than men to a number of serious illnesses, including anaemia, arthritis, osteoporosis, breast cancer, heart problems, and cardiovascular diseases. Genetics and a sedentary lifestyle are probable contributing factors in this.

But because this could result in higher medical costs, it's crucial for women to get critical illness insurance that can support them when they're in need.

What Do Women's Health Insurance Plans Actually Cover?

Insurance companies have introduced women-specific health insurance plans to encourage women to treat their health seriously without worrying about the cost of medical care. These plans offer livelihood benefits in the event of accidental death or permanent disability and cover maternity expenses, pre- and post-hospitalization costs, new-born expenses, critical disease care, and personal accidents.


Women who are in good health are content, robust, and capable of handling a variety of obligations while still making a positive contribution to society. And getting independent health insurance is crucial if they want to make sure they receive the medical care they require in difficult circumstances. Additionally, active women can easily shop around online for the best insurers and policies that meet their needs.

Also Read: 

Is Health Insurance Taxable?

How To Claim Universal Sompo Health Insurance


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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