This women’s day opt for special health plans
Women are prone to health issues quite different from men. Special health insurance plans covering illnesses specific to the fairer sex work best.
While women seek equality in all walks of life, one cannot draw lines when it comes to health issues that they deal with. Women-specific illnesses – cervical cancer, breast cancer, burns, fallopian tube cancer – never ail men.
The medical treatment costs are skyrocketing and hence a health cover specific to women-related issues is worth looking at. Today certain general insurers are covering maternity-related medical expenses, which were hitherto excluded under health policies. Health Plans such as ICICI Lombard’s ‘Health Advantage Plus’, Royal Sundaram’s ‘Total Health Plus’, Max Bupa’s ‘Heartbeat’ plan, Apollo Munich’s ‘Easy Health’ and Star Allied and Health Insurance’s ‘Star Wedding Gift Health’ offer maternity benefits.
Apart from these plans there are critical illness plans from Tata AIG General Insurance and Bajaj Allianz General Insurance that offer benefits upon detection of 8-11 women-specific diseases.
Bajaj Allianz’s Critical Illness Cover for Women pays a lumpsum benefit when a policyholder is detected with breast cancer, ovarian cancer, vaginal cancer, cervical cancer, burns, uterine/endometrial cancer, fallopian tube cancer, and paralysis/multi-trauma.
There are other implications of a health problem such as loss of job, for example, which too is covered under the plan. But there is a restrictive period of three months for availing this benefit. Additionally, congenital disability benefit and children’s education bonus are provided under the policy.
Apart from cancers, the Tata AIG Wellsurance Women policy covers total blindness, major organ transplant, major burns and even cosmetic reconstructive surgery recommended after accidents and burns. The diseases common to men and women such as paralysis, first heart attack, kidney failure, multiple sclerosis, stroke, coronary artery bypass grafting are covered under the Tata AIG plan, but not under the Bajaj Allianz plan (except paralysis).
One must note the conditions under which the policy benefits would be nullified. For instance, Bajaj Allianz says, that the “Loss of Job” benefit would not be paid if the policyholder opts for voluntary resignation from service.
Also, all the critical illness policies have a survival clause, wherein the policyholder is paid the benefit upon detection of a disease only if she survives for 30 days after discovery of the illness. The company excludes diseases detected during the first 90 days of the policy period. This three-month waiting period is not applicable when it comes to accident cases.
This women’s day pledge not to ignore your health and insure it while you can avail maximum benefits.