Health Insurance for Women
- Benefits of Women's Insurance
- Plans with Infertility & Maternity Coverage
- Best Women's Health Insurance Plans
When it comes to health insurance, it has emerged as an absolute necessity in recent times. Be it a child, an occupational man or a senior citizen, we have specified plans for everyone. But, if we speak of women, we somehow lie behind in having women-centric health insurance plans compared to other nations. Women's health insurance in India may be a concern but thankfully, more and more health insurance companies are coming up with amazing women-centric plans. These plans are designed to keep women's health issues in mind and mostly focus on pregnancy, childbirth, and related covers. These covers are made for illnesses that women are more prone to get after a certain age.
Women's health insurance plans are generally comprehensive and often include access to preventive care such as annual or bi-annual gynecological examinations, breast cancer screenings, contraception, prenatal care, and many more.
This article covers all about a women's health insurance policy, its benefits, eligibility criteria of buying it, what it covers and what are its exclusions. Keep reading further to know more about it.
Read below the eligibility criteria for buying a health insurance for women:-
| Criteria | Eligibility |
|---|---|
| Age (Adult women) | 18-65 years (In some cases, up to 75 years) |
| Age (Dependent child) | 91 days to 25 years |
| Plan type | Individual plans and Family floater plans |
| Pre-existing conditions | Specialized plans with additional riders |
| Lifestyle | Alcoholism and smoking habits can affect your eligibility |
| Waiting period | Most of the plans may come with a waiting period of 1-3 years, depending upon the type of policy and the insurer |
These are the documents that a woman would require to get a health insurance policy:-
There are so many customized health insurance plans for women that one may get confused while choosing among all. Though these policies are designed after considering women-specific diseases, and health issues that are common in women, you should only go for the suitable one. Normally, you calculate the premium, policy limit tenure and benefit while purchasing a health plan, but when it comes to women's health insurance plan the needs and factors are a bit different.
The following are the factors to consider while choosing a health policy for women:-
First of all, check if the plan is a woman-specific plan having all the benefits you can be covered with a family floater plan with required health benefits for reproductive health care and maternity cover.
Most of the plans do not cover pre-existing diseases so it is important to find a plan that can offer pre-existing disease coverage.
In case you are planning for pregnancy, there are special plans that shield maternity for ladies. Few companies offer maternity coverage, but most of them come with a waiting period. Hence, it is advisable to buy a separate plan which includes only maternity.
Find an insurance company that offers a good claim settlement ratio and an easy claim process. Both factors surely give you peace of mind and speedy reimbursement when needed.
Circumstances of medical emergencies can occur at any time. So, make sure you have chosen insurance with a wide range of network hospitals available nearby. This will help in saving time and energy in case the lady has no one to look after. It is also important to offer a hassle-free hospitalization and medical environment where the patient can get health treatment, especially for women.
Today, young girls at the age of 15 are having diseases like thyroid or other hormonal difficulties. And most of the insurance plans have a pre-existing disease waiting period of 2-5 years. Consequently, it is important to buy a health policy when you are young.
In addition to other benefits included in the health policy for women, some insurers give free medical check-ups and add-on covers which is beneficial for women who are likely to have illnesses after a certain age.
Competing against everything, women are battling for their spaces at work, home, and maternal space and leading a stressful life. Opting for health insurance can help them fight against maternity and infertility-related illnesses and most of the plans cover them.
There are multiple factors one needs to keep in mind before investing in good health insurance for women. Since women are prone to some critical illnesses and life-threatening diseases such as breast cancer, ovarian cysts, and other ailments specific to their bodies they must select health insurance for women keeping all these factors in mind.
However, women's health insurance plans have numerous benefits that can help you in times of need. But, there might be some conditions that are not covered under women's insurance. Here is what's covered and what's not covered in women's health insurance:-
| Inclusions | Exclusions |
| Hospitalization Pre and post hospitalization expenses are covered in the health plan for women. |
Cosmetic surgery Any kind of cosmetic surgery is not covered under women's health insurance. However, in cases of accident or injury when plastic surgery is a requirement, it can be covered. |
| Teleconsultations If you need to monitor our regular health, women's health insurance plans cover the teleconsultation costs and all the expenses related to online consultations with your doctor. |
Dental, Hearing, and Vision Both dental and vision procedures are not covered by health women's insurance plans as they do not require hospitalization. It is best to check with your health insurance provider about this clause for exceptions. |
| Cashless treatment The insured women can receive cashless treatment at the networking hospitals of the insurance company. All the medical expenses related to your hospitalization and treatment are settled down between the insurer and hospital. |
Permanent Exclusions There are some permanent exclusions like injuries in war, HIV, intentional injuries, congenital diseases, etc. |
| Maternity Care There are many insurance companies that provide maternity coverage along with the women's health plan. But you must check if it's covered in your policy or not. If maternity care is not included in your base health plan, you can buy an additional rider for pregnancy as well. |
Congenital Diseases Congenital diseases such as functional and structural anomalies, after birth defects, heart related issues, down syndromes, etc are not covered in women's health plans. |
In this changing time of uncertainty, the prices fo healthcare for women is skyrocketing which can break your savings in no time. In such conditions of an emergency or a planned medicare, a women's health insurance plan can save your money and efforts. As a health plan for women can provide a comprehensive coverage for many health conditions, you can buy the best health insurance for women now, from our website policyx.com.
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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