All about Women's Health Insurance
Health Insurance is of pivotal importance to every woman. Like financial independence, health insurance is becoming a necessity today.
The Care Joy Maternity Health Insurance Plan is a solid option for expecting women. There are two kinds of insurance under this scheme- Joy Today and Joy Tomorrow.
Here are some flagship women centric health insurance plans
Bajaj Allianz Women-Specific Critical Illness Insurance Plan- This insurance plan will act as a financial shield (for women) in three major ways. It is essentially a cancer cover and insures the beneficiary if she is diagnosed with breast cancer, vaginal cancer, cervical cancer, ovarian cancer, fallopian tube cancer or uterine or endometrial cancer. This insurance plan is also applicable in the case of burns and paralysis. Secondly this insurance plan is a congenital disability cover. In such a case, the woman will be benefited by getting a 50% of the sum that is insured. Thirdly this insurance plan is a shield against employment (job) loss. If a working woman loses her job three months after being diagnosed with a critical illness a special amount (that is insured) accrues to her.
TATA AIG Wellsurance Woman Health Insurance Plan- This insurance scheme covers 11 critical ailments including cancer. It provides cashless hospital treatment in network hospitals across India and this also includes daily hospital cash benefits. The woman can get insured with convalescences benefits. Moreover, the insured can also claim the post hospitalization treatment costs through this insurance scheme. This insurance scheme can be used for cosmetic reconstruction and surgery in case the woman meets with an accident or sustains grievous injuries.
Care Joy Maternity Health Insurance Plan- This health insurance plan is a solid option for expecting women. There are two kinds of insurance under this scheme- Joy Today and Joy Tomorrow. The Joy Today health cover provides an insurance amount between Rs 3 lakhs to Rs 5 lakhs. The maternity related expenses are covered/provided after waiting for a period of 9 months. Under the Joy Tomorrow cover, the maternity expenses are provided after a period of 24 months. The Joy Tomorrow insurance is much wider in scope and covers congenital defects of the new born baby too. The benefits that are included under this insurance are inpatient hospitalization that includes room rent, ICU charges, boarding and nursing expenses, pre and post hospitalization expenses and pre- natal and post natal expenses. The insurance also helps in normal and caesarean delivery, post delivery care and vaccination charges.
HDFC Women Cancer Plus Plan- This insurance plan helps in the treatment of cancer and women centric illnesses. The amount granted under this plan is anywhere between Rs. 1 lakh to Rs 1 crore. The cancers that will be treated include breast cancer, cervix cancer, cancer of the fallopian tubes, cancer of the uterus, cancer of the vulva, ovarian cancer etc. For treating early stage breast cancer and cervix cancer a maximum of Rs. 10 lakh or 25% of the total insurance amount is provided to the insured at the onset of the treatment.
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