Why Women Should Have Separate Health Insurance Plans

In India, women's health awareness is still in its early stage, even as women make significant strides in various professions and break glass ceilings through empowerment and education.  It is because, even today, a lady with a thriving career is often expected to be the sole or primary caregiver in the family. As a result, women frequently neglect their health and well-being. However, the time has come to change that.

Purchasing a is a fantastic start, undoubtedly. Nonetheless, most women purchase family floater policies or think it is adequate if their husband’s health plan covers them. That is not true, though. Purchasing an individual health insurance policy makes much more sense for ladies. Here’s why!

Strong Reasons for Women to Invest in Individual Health Insurance Gynaecological Issues

Medical insurance personalised for women is more likely to cover every health concern related to the female reproductive system. It involves chronic conditions and symptoms like PCOS (polycystic ovary syndrome), uterine fibroids, pelvic inflammatory diseases and endometriosis.

Maternity Coverage

Pregnancy and parenthood bring significant financial responsibilities, particularly with the growing expenses of healthcare in India. In most cases, maternity benefits are provided as an add-on cover in a personal or family health insurance plan. This coverage includes everything from delivery expenses to pregnancy-related complications and hospital costs.

Therefore, every woman planning to have children in the future should ensure that she has this coverage to cover every necessary expense.

Critical Illness Coverage

Sadly, women are at a higher risk of developing serious illnesses compared to men - including breast or cervical cancer, cardiovascular disease, heart disease, osteoporosis, arthritis and anaemia.  It could be due to any reason—from a hectic, sedentary lifestyle to family history.

But whatever the reason, rising health risks can lead to serious medical bills. That is why women need critical illness coverage—to get the right support exactly when it is needed most.

Cancer Treatment

Breast cancer is probably the most common cancer type in women, followed by cervical cancer, ovarian cancer, etc. Given how common this is and the fact that early detection gives women a much higher chance of recovery—it is, thus, important to make sure your health insurance covers both the illness and its treatment.

Increased Heart Disease

Women today lead stressful lives, putting them at a much higher risk of heart ailment compared to men. 3 in 5 women above 35 (around 67% of working women and 69% of homemakers) are at serious risk of developing cardiovascular disease. Hence, it is crucial to secure a health insurance plan that covers these conditions while you are healthy and young, helping to keep your premiums low.

Mental Well-Being Coverage

Women are more susceptible to various mental health issues like depression because of the increasing stress and anxiety in their lives. While the Insurance Regulatory and Development Authority of India has mandated that every restorative protection plan cover the treatment of mental illnesses, it is essential to look for policies that put forth comprehensive coverage for the same.

The majority of mental health plans only kick in when you are admitted to the hospital. But, only a handful of insurers cover outpatient care, like therapy sessions or regular consultations, where support is often needed.

Hypertension

It is another concern that is regularly neglected in women. High blood pressure and hypertension contribute to serious health issues globally. In India, a vast number of women, especially in urban areas, endure hypertension, which may lead to countless other complications, especially during pregnancy.

Diabetes Coverage

Diabetes cases are rising among women, with gestational diabetes being a common cause. This condition can develop during pregnancy, even in women with no prior history of suffering from diabetes.

While sugar levels typically return to normal after childbirth, it aggravates the risk of developing type 2 diabetes as they age. That is why it is essential to have health insurance that covers diabetes.

Prioritise Women’s Health with TATA AIG

Without the right medical insurance, even routine health issues can feel overwhelming and drain your savings fast. That is why having the right health coverage is essential.

TATA AIG’s health insurance plans are built to support you at every stage with competitive premiums and coverage that makes sense. Right from maternity benefits to critical illness coverage, their plans help you focus on what matters—your well-being, not the bills.

This is an advertorial. The article is being published as received.