What is a good health insurance policy for the women?

Health Insurance Policy for the Women

In many parts of the world, including India, women have a longer life span than men. According to World Health Organization data published in 2018, the life expectancy of Indian men was 67.4 years while that of women was 70.3 years. Women live longer than men but are also more prone to chronic disease and disability. However, only 40% of women in India have health insurance.

There is no doubt that women – whether working or housewives – require individual health insurance. The health insurance offered by the employer or as a dependent in their spouse’s group insurance policy is not sufficient in today’s day when hospital treatment costs are spiraling out of control.

In this article we will try to find out the best health insurance policy for the women. We’ll discuss things like inclusions and exclusions, coverage, critical illness coverage, and other policy terms and conditions that you should look for in the perfect health insurance plan for women.

Disease Coverage

There are some diseases and also some disorders that are more specific to the women. For example, women are more prone to reproductive disorders, breast cancer, cervical cancer, and ovarian cancer.

Breast cancer is the number one type of cancer in India with 25.8 out of 100,000 women diagnosed with the disease. The cervical cancer is the 2nd most common disorder in Indian women. Another worrying thing is that the breast cancer survival rate is very low in our country. A Lancet study revealed that only 66.6% of women diagnosed with breast cancer survived in India from 2010 to 2014. The survival rate for this disease was as high as 90% in the United States and Australia according to the same report.

Therefore, a comprehensive women’s health insurance plan that offers different types of cancer is a must for today’s woman. The Future Generali Cancer Protect Plan from Future Generali Health Insurance is a good health insurance policy for women because it is designed with women’s health and disease risks in mind.

A large network of hospitals with a cashless hospitalization system

One of the advantages of buying health insurance is cashless hospitalization. If you are buying an insurance policy from an insurance company that has a small network of cashless hospitals, you will have to pay your own money most of the time during hospitalization. Check your health insurance provider’s hospital network, especially those in your city, before making a purchase.

You can go for insurance companies that have a large cashless hospital network nationwide like Future Generali Health Insurance with more than 4200 network of hospitals across India.

Maximum coverage of critical illnesses

Since you will be more susceptible to a myriad of health issues once you cross the age of thirty, it is important that you choose a women’s health insurance plan that provides comprehensive coverage for critical illnesses and includes a large number of illnesses.

The Future Generali Health Insurance plan is one of the most comprehensive critical illness covers available on the market today. It covers 59 critical illnesses and surgical procedures including heart disease and cancer for just Rs 14 per day.

Simple claim process and good claims settlement rate

It is important that the claim process is easy, hassle-free and fast when you need financial protection during treatment and hospitalization. Learn about the claim process even before you make the final decision to purchase it. One of the best criteria for checking ease of claims settlement is to know the insurance company’s Claims Settlement Ratio (CSR). Corporate social responsibility is the ratio of the total claims made by policyholders and the total claims settled by the insurance company.

Max coverage

Aim for maximum coverage with minimum premium. The best way to ensure this is to get health insurance when you are young, perhaps in your 30s. If you are 35 years old, you can get critical illness coverage of Rs 10 lakh for 10 years at a monthly premium of only Rs 471 with Future Generali health insurance.

Regardless of the above, check that your health insurance company provides coverage for all stages of the disease – minor, medium and major stages. Check lump sum payment, premium waiver and multiple claims benefits when purchasing women’s health insurance with critical illness coverage.

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