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Health is like Money. We never have a true idea of its value until we lose it - Josh Billings 

Women are marvellous in managing work with perfection at the office and household together. In managing multitasking responsibilities she sometimes neglects her own health. Most women ignore health matters and are also not aware of health insurance which the family has and how she is covered in it. 

Health Insurance companies consider Women at higher risk than men because they are more likely to have chronic health conditions and also Women tend to have higher life expectancy than Men. 

Changing lifestyles and managing multiple responsibilities at home and work have resulted in many major illnesses which require attention.   

Here are some FACTS to know:

• Ovarian cancer is the third most commonly detected cancer amongst Indian women. Breast and cervical cancer have made it to the top of the honors list. However, ovarian cancer is not far behind.

• Government data shows that, on average, nearly four out of ten women diagnosed with breast cancer succumbed to the disease in India in 2020.

• As per a recent survey, an increasing number of younger women in India who are in their 30s and 40s are being diagnosed with breast cancer. 

Women should understand the importance of physical fitness and work towards maintaining it. If she remains physically fit then only she will be able to work well. Balancing Home and work at a cost of health is not good. 

Using your savings and investment for medical emergencies is not the ideal way.“Having health insurance for women is like having an umbrella when it's raining”. It protects us from huge medical bills and hospitalization expenses.
 

Why Should Women Have a Health Plan?

One of the most important reasons for a woman to have a health plan is higher life expectancy. The life expectancy of women in India is 69 years *. Higher life expectancy means higher medical costs in retirement years. So it is important to have a health plan which covers all major illnesses of women.

Medical expenses are rising in a way that it has become difficult to manage any medical emergency from the household budget. Increasing heart diseases, cancer, depression etc are some alarming trends showing the importance of Health Insurance. Most diseases are because by unhealthy lifestyles.

Women are biologically different from Men, so she requires a unique health plan which covers specific illnesses like Arthritis, Breast Cancer, Ovarian cancer, Infertility treatment, Other gynaecological health issues, etc, which covers all medical expenses and protects the family in an uncertain time.

As a woman, it is important for you to stay informed and be aware of women-centric health plans which are available. Apart from having a family floater plan, women should also have a women-centric plan focusing on illnesses as mentioned above as protection against huge medical bills.

Women play an important role in managing and bringing up a family. She should have a health plan that provides benefits for maternity. For Example, Maternity cover offers benefits like hospitalization, delivery charges, post-delivery medical expenses to some extent, etc.

Conclusion:

There are various health plans available for women catering to various illnesses. The choice of the plan depends on the woman’s requirements like which illness she wants to cover. If she is already covered in the family's health plan then which illnesses are not covered in the family's plan, how much amount does she require to cover etc?

Every year a specific amount called 'Premium' is required to pay for Health Insurance. To minimize the burden to pay a premium annually, it is good to keep aside a specific amount monthly for paying health plan premiums every year. So that it becomes easier to manage Premiums.