Today’s women balance professional and personal lives beautifully, and they play each role as an ace performer who is perfect in making a sweet home and in reaching the destined aim. But the very common fact associated with their life is – more concerned for others’ health and less care for themselves. This is why women enrolling under a healthy policy count less than the standard marks. Health insurance for women remains a neglected factor especially in India. The content presents some important facts of health insurance for women.
Women health insurance in India
A survey report conducted by a renowned organization – The Kaiser Family Foundation clearly states that the medical expenses for women’s health are greater than that of men as they are more prone to chronic diseases due to having longer life expectancies. The report also represents that women are facing inconsistent insurance coverage more than men do.
In India, women are covered under health insurance as a dependant, or if she is a working professional, she comes under the coverage of a group health insurance given by employers. Both cases do not ensure a complete coverage benefit that women must get. The record shows that around 39% women have health insurance policy, of which 22% falls under self-insurance plan and the rest remains as a dependant.
Sedentary lifestyle and critical diseases
The sedentary lifestyle makes women’s health complicated with time and enhances the risks of the chronicle diseases such as cardio-vascular diseases, heart-ailments, breast cancer, and more. This raises the need for having a separate health insurance plan for women that covers all the major requirements smartly.
The main reason that logically explains why women need a separate health insurance is the growing medical expenses for commonly occurring issues of women. The illnesses like Seropositive rheumatoid arthritis, Pulmonary heart diseases, Cardiac arrest and Osteoporosis with pathological fracture are occurring more with time. Women irrespective of ages are suffering from these health complications.
Maternity holds an important phase for every woman. But the common concern that comes with the maternity is meeting the hefty medical costs. As women prefer caesarian section to the normal delivery, financial crisis is a common thing that strikes in their lives.
Is there any maternity health insurance in India? Generally, companies come up with additional coverage benefit or a rider for compensating maternity expenses. There is probably no insurance plan complete designed for the maternity coverage. Remember, there must be terms in waiting period and limits in maternity spend.
All these above factors unavoidably present that women need a separate health insurance plan. Purchasing a health plan is as much necessary as choosing a healthy life option.