In today’s world, healthcare costs are rising, and a hospital stay can quickly drain your savings. Health insurance has become more than just a backup plan; it’s an essential investment.
For women, particularly mothers, comprehensive health coverage serves as a safety net for unexpected medical expenses. Without it, a family’s finances can face a serious strain.
A woman benefits from health insurance at every stage of life, covering everything from pregnancy and delivery to post-delivery health care and early child care.
It is also useful for long-term health planning.
How Health Insurance Helps Women During Maternity
Pregnancy-related medical expenses can run into lakhs, putting a considerable financial burden on the family.
According to the National Health Survey 5, 21.5% of babies in India are born via C-section, which increases maternity costs.
As a result, maternity claims now represent about 20% of total health insurance claims. In metro cities, a C-section can cost between Rs 75,000 to Rs 2,00,000, while a normal delivery can range from Rs 50,000 to Rs 1 lakh.
These costs can rise even more if there are complications during pregnancy or delivery.
When welcoming a new life into the world, financial concerns should not overshadow the joy.
This is why it’s crucial to choose a good health insurance plan that covers maternity and post-maternity expenses from the start.
With the right plan, you can enjoy your pregnancy journey without the added stress of medical bills.
The Insurance Regulatory and Development Authority of India (IRDAI) mandates that maternity coverage includes prenatal and postnatal medical expenses, as well as newborn care.
It also ensures that hospitalization costs for delivery, whether through C-section or normal delivery, are covered.
Why Mothers Should Invest in Their Own Health
Mothers often prioritize their children’s well-being over their own, neglecting their health.
Therefore, it’s important for families to invest in health insurance policies that include wellness benefits and preventive checkups for women.
Look for a plan that encourages a healthy lifestyle with benefits like discounts on fitness classes, fitness goals, and annual health checkups.
These wellness benefits can help detect potential health issues early, ensuring prompt treatment.
Additionally, choose a plan that offers full coverage for critical illnesses, giving you the financial stability to focus on your recovery.
Family Floater Plan for Growing Families
A family floater health plan is a great option for families. It covers all family members under one plan, so you don’t need to buy separate insurance policies.
You only pay one premium for the entire family, which can include your spouse, children, and even dependent parents, siblings, or in-laws in some cases.
When choosing a health plan for mothers, make sure to review the policy thoroughly, including its terms and conditions.
Look for a flexible plan with customizable options for coverage, policy term, and sum insured.
Choose a plan with a high sum insured and competitive premiums to ensure that your family’s health is adequately covered.
