Women health is worth important as like others in the family and she also needed some health insurance policies for taking care of her in the utter illness.
Health Insurance Plans are important for all; there are various health insurance plans in India for every person. Health Insurance Plans are like the umbrella for insured persons to protect from various injuries, diseases and risky illness and become a support system in the time of financial support needs. Health Insurance Plans generally have some selected hospitals and doctors under which the patients can get treatment or get hospitalized. It is rather a cashless facility, insured person doesn’t have to pay the bill in the time of hospitalization but on his or her behalf the insurance company will pay and under a plan the insured person can get coverage for his or her family.
The health insurance plans provided by any company give benefits and coverage for the insured or the spouse, children and for parents. But we never see that any woman has taken a policy for herself though she takes a policy for her family or children as they sudden becomes procrastinate in the time of taking any financial related decisions for herself. Without thinking about own self they gets busier in managing others life either it is office or home and simply ignore the need of a policy but it is very important for them to make at least a right financial for themselves. Life is uncertain and now a-days women health related issues are growing very much and some of them are really life takings so it is the right time to choose a health insurance plan for them.
Here are four important insurance plans listed below which are must be a part of women’s financial list to ensure their emotional and financial needs of life that are coming their way in the guise of ultimately death, illness, disease or old age.
Term Insurance Plan
Now a-days women are doing tougher jobs in the outer world and become the earner of the family with the other partner. They have become the bread earner of the family who are playing vital roles in every house, in the life of their children to support them in pursuing their goals. So for playing all these roles, their family’s financial frame and living standard would be surely affected and that’s why a right life insurance plan is needed to support the nominees in case of an unfortunate death of the insured. The plans will financially reimbursing with the death claim amount which is similar to the assured sum under the term policy. A term plan is an affordable form of life insurance which offer a higher sum assured at the lowest premium price as only the death is covered and there are no luxury benefits of maturity. More than that, females can get a special price distinction and have to give lesser premiums than males on the basis of higher endurance to live. Though most insurance companies don’t offer term plans for homemakers as they don’t have the source of income but they have the option to buy other kinds of insurance. Term plans should be taken at an early stage assures a higher amount of sum assured at lesser premiums and different health insurance companies offer different types of term plans.
Health Insurance Plan
As a result of ignorance the ratio of heart-related diseases, gestational diabetes, cancer etc. and others life taking diseases are growing faster among the women; growing pollution, adulteration and unbalanced lifestyle increasing the treatments and putting a dent in any family’s financial health. Having an independent health insurance policy will not only satisfy but also give a sum insured under the policy depending on age, past aliments, location, hospital preferences and average healthcare expense etc. there are some maternity based health insurance plans offering added value with little extra cost and long waiting period so it is better to buy such health insurance plans after marriage stage.
Critical illness health Insurance Plan
Women are more liable to some critical illness such as cancer; cases of cervical and breast cancer are rising in the cities for many associated factors. There are also other crucial illnesses such as CABG, Heart attack; Multiple Sclerosis, Stroke, Major Organ Transplantation, Kidney failure etc. are women liable also. All these diseases are dreadful and the treatment costs are very expensive and not affordable for a middle class family here a Critical Health Insurance plan will work as fixed benefit insurance plans. These plans offer fixed and guaranteed amount of the claim for the insured if any such illness occurred and she can get a lump sum insured on her actual expenses.
The working women spend most of the time managing her time between office and family and thus forget about her own needs properly but they mostly affected by various life taking diseases for these negligence. As retirement is the second phase of their life so a secured amount is important to spend independent life after the job but without having a proper retirement plans this enjoyment can’t be fully get. A proper retirement plan offers a fixed pension that acts as a source of income in the retirement time and comes in both with and without a life cover.