Indian women in today’s era are most valued. They are walking shoulder to shoulder to men. Contributing 49%to the voting population and 25% to the workforce in India are getting stronger by fighting their place in every strata of the society. Due to the varied challenges and weaker physical tolerance, a need of health insurance policy specifically for women is need of the hour and fortunately, many insurers have already recognised its need.
Before caring for others, care for yourself
Women, the caretaker, are now days helping organisations to flourish and also servicing the family. Having complex physical structure and changing responsibilities, they find it difficult to say fit. It has been noted that women have a greater chance to be a host to many physical challenges like arthritis, irregular BP, diabetes and so forth. They are more susceptible to bone- related disorders and breast cancer.
Changing dimensions
Earlier, women used to be covered under the family health insurance or floater policies. As women stared to work as professionals got covered under group health plan. But now, they have special health plans that not only care about them but also going an extra mile by covering cancers and other excluded covers too.
For the love of your child
The mortality data suggests that women mortality is more than men because of the major physically challenging situation, pregnancy. Giving birth to a child is dream of every women but nothing should be compromised with the health. A healthy mother produces a healthy child. Thus a maternity health cover is an important aspect of health insurance for women.
Researchers suggest that the child in a mother’s womb has a direct linkage to mother’s emotional state. Having a maternity health insurance cover puts a mother at financial ease and also funds the essential nutrients which make mother and child healthy. Especially for the weaker section, this cover reduces child related deaths as no complication is allowed to exist because of money.
How to get a maternity cover:
- Outpatient department(OPD) health policy by ICICI Lombard’s covers maternity expense along with dental and Day Care covers
- Under the group insurance schemes by United India Assurance.
- Apollo DKV provides maternity cover under day care coverage, expenses prior to and during hospitalization.
Highlights of the cover:
- Pre, post and during hospitalization expenses.
- Surgeries and pregnancy related complications.
- Complication before and after birth.
- Events leads to failure of pregnancy during initial few weeks are not covered.
- Medical cost for pregnancy taking place during nine month of purchasing the maternity insurance policy.
Thus every woman must understand that before asking others to value them, they should value themselves. Securing your health and life should be the first step in that endeavour. Don’t let the child to consider him to be blamed for your unhealthy life. Make your family proud.