Health Insurance is important equally for both men and women. But, did you know that women have unique health problems that need to be accounted for when choosing a health insurance plan? Despite women having equal rights as men, many people in India are still reluctant when it comes to buying health insurance for women.
Women multitask a lot by trying to maintain a balance between their personal and professional lives. A recent survey revealed that women are more vulnerable to health issues especially after the age of 40. Women are prone to critical health problems like arthritis, irregular BP, diabetes, heart diseases, cancer, reproductive health issues, depression and so on. This is one of the main reasons why women in India need to opt for health insurance at the earliest, whether they are working or not.
Some of the major health issues that women face are as follows:
- Heart disease
People always believed men to be more prone to heart diseases. But now, a lot of women are also facing this issue. Nearly two-thirds of the deaths from heart attacks in women occur amongst those who have no history of chest pain. Low levels of estrogen pose a significant risk factor for developing cardiovascular disease in the smaller blood vessels.
This is the second most dangerous health problem that women face. Breast cancer and uterine cancer is hundred times more common amongst women than in men. Heredity also plays a role, because if any of your family members have cancer, your risk is doubled. Apart from these, women are also prone to lung cancer.
- Reproductive health problems
Lack of nutrition, sex education, poverty, sanitation issues, contribute to reproductive health issues very common to rural and urban women alike. India’s maternal mortality ratio is the highest in South Asia; 540 deaths per 10,000 live births. Basically, a woman is dying roughly every 5 minutes. Pregnant women also go through a lot of health problems, during or after giving birth. Miscarriage again takes a huge toll on them, sometimes proving fatal.
Considering all these factors, it is only obvious that women need health insurance as much as men do for the same reason to create a financial backup. Nowadays, there are health insurance plans specially designed to cater to the needs of women.
How to solve these issues?
The intensity and speed at which health complications are increasing among women, it is high time they started taking care of their health better. A mindful effort towards adopting a healthy lifestyle along with an independent health policy can do wonders to women in the long run.
Things to consider while choosing a health insurance for women
1) Remember to check if the health insurance covers pre-existing diseases
2) Certain health insurance plans offer coverage for certain diseases only after a specified waiting period. Check if there is a similar clause in the health insurance plan.
3) Check if the insurance plan offers additional important riders.
4) Make sure to check if the insurance plan offers maternity cover.
As women have a longer life than men, there are special plans addressing this cause and it also gives motive to a lot of other women to get independent health policy. To buy the best health insurance plan visit www.policies365.com