Treatment is becoming expensive in today’s era. The hospital is not less than a robbery on your savings. In such a situation, health insurance i.e. health insurance is no longer a backup plan to be used only in trouble, but it is an investment made thoughtfully. Full health coverage for women, especially mothers, is a large shock absorber for sudden medical expenses. Without this, the family’s budget may be in danger.
A woman gets this coverage on all the stage of life. It emphasizes the need for pregnancy and delivery, post -delivery health benefits and early infant care plans.
How does health insurance help women during motherhood
Medical bills related to pregnancy often come in millions, which gives huge financial pressure to the whole family. According to the National Health Survey 5, 21.5% of children in India are now born through C-section, which has increased the cost of maternity care. Consequently, now the shareholding claims in the total health insurance claims are about 20%. The cost of C-section operation in metro cities can range between Rs 75,000 to Rs 2,00,000. At the same time, the cost of normal delivery usually ranges from Rs 50,000 to Rs 1 lakh. These costs may increase further when there is complications during pregnancy or delivery.
At a time when your focus should be on the joy of bringing a new life in the world, it is better if the concern about expenses does not cause trouble. Therefore, it is necessary to choose a good health insurance plan from the beginning, which can cover the expenses after your maternity and maternity. This will help you to enjoy your pregnancy journey in the true sense without extra stress.
Insurance Regulatory and Development Authority of India (IRDAI) has prepared a clear guidelines for insurance coverage related to maternity expenses. It states that coverage should include pre-pre-delivery and post-delivery medical expenses as well as newborn care. Apart from this, medical expenses during hospitalization for delivery should also be covered, whether delivery C-section or normal.
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Mothers should invest in health
Mothers often ignore their health as they only focus on raising their children. Therefore, families should invest in health policies that include wellness incentives and preventable checks for women. Choose an insurance plan that includes some wellness benefits that can help to monitor your health and prevent the onset of diseases.
For example, you should get an annual health checkup, move towards fit lifestyle, participate in fitness classes, etc. Health insurance plans with wellness benefits also include discounts on these activities.
These preventive action can help in quick detection and treatment of serious and deadly diseases. Look for a plan that gives full coverage for diagnosis and treatment of serious illness, so that you can focus on your health benefits with financial stability.
Family floater plan for growing families
The family floater health plan covers every member of the family and there is no need to buy separate plans for each. You have to pay only one premium for the coverage of the whole family. In this plan, you can include your dependent children, spouse and yourself. In some policy, you can also include siblings, in-laws and dependent parents. When purchasing insurance plans for mothers, it is necessary to check all policy documents thoroughly. You can also consult an insurance specialist to know more about the rules and conditions of the policy.
In addition, consider plans that offer flexibility in the matter of incorporating family members according to the policy period, sum insured options and needs. The biggest thing is to choose a plan with high insurance and competitive premium.
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Taking health insurance shows alertness of love and care as it encourages families to adopt health in everyday life. For mothers, a health insurance plan promotes timely treatment, healthy lifestyle choices and routine checkups. Insurance ensures that every member of the family becomes the health priority, not the cause of anxiety arising later.
(Author of this article is the head of the process inauguration and governance (Health LOB) in SBI General Insurance, SBI General Insurance.