Why health insurance is important for women

1. Why health insurance is important for women www.policyadvisor.in

2. Benefits Women-specific products Cashless hospitalisation at any of the insurance company’s network of hospitals Pre and post- hospitalisation expenses Cost of health check-up at authorized centers Maternity benefits that are covered at the time of hospitalisation Pre-natal and post-natal expenses Cover for newborn babies, vaccination expenses etc Policies which cover the extended family of the proposer Pays a lump sum in case the policyholder is diagnosed with any critical illness, including cancer, heart attack, stroke, and kidney failure Tax benefits under Section 80D Policy covers critical illnesses of women like breast cancer, cervical cancer, spondylitis www.policyadvisor.in

3. For single-married women The medical expenses to be borne by single-married women are very high. If they happen to face any critical illness in the family, a comprehensive healthcare product and a critical illness product provide the required financial support to them. www.policyadvisor.in

4. For a single parent Your child can be covered under comprehensive health cover along with you Child care benefits can be available under the same cover The cover includes the charges for vaccination for child less than 12 years of age You can cover your own parents under a single cover along with your children All hospitalisation costs will be covered in case of any critical illness www.policyadvisor.in

5. For a newly married couple Newly wedded women can opt for such a product and avail the maternity benefit when they start family planning. The couple can avail the maternity benefit with only two years of waiting period when both husband and wife are covered together. www.policyadvisor.in

6. For women staying in a joint family If a woman is staying in a joint family, there are options available in the market that cover as many as 15 people in one policy like self, spouse, dependent (unmarried and up to the age of 25 years) or non-dependent children, dependent or non-dependent parents, dependent siblings, daughter-in-law, son-in- law, parents in law, grandparents and grandchildren (maximum up to 15 members). www.policyadvisor.in

7. For senior citizens Senior women citizens can avail the benefits of a health insurance at the time of hospitalisation when they are diagnosed with any illness. Post-hospitalisation services like nursing are also provided to them and these become beneficial at times when there is no one to take care at home. In some policies, there is no age restriction to enter and the benefits to various individuals may change from policy to policy. www.policyadvisor.in

8. How to purchase policy The policy can be purchased online. Alternatively, you may contact the nearest branch or the call centre of the insurance companies and they will depute a suitable official to get in touch with you to explain the product offerings www.policyadvisor.in

9. How to choose insurer One should always buy insurance from a reputed insurer that has a good record of servicing and claim settlement, as these are the features that become critical when you are actually in need. A cheaper policy may not always be the best for you. Choose a policy that suits your requirements in terms of coverage and sum insured. Go through the prospectus and policy wordings to understand the waiting periods, exclusions and sub-limit under the policy. Make an informed decision before signing on the dotted line. www.policyadvisor.in