What is Covered in the Women+ Health Insurance Package?

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Why do women need lifetime health insurance? Women are more prone to developing chronic health conditions than men. These usually include mental problems, headaches, arthritis, back pain and more. Also, women generally experience higher stress than men. If not diagnosed early, it can lead to heart disorders, diabetes, and obesity among other conditions. Adulteration, pollution, and lifestyle factors also affect women largely.

Certain health problems like urinary tract infection, stroke, osteoarthritis, and alcohol abuse have a different and more severe impact on women than men. Receiving hormonal therapy, being pregnant, taking birth control pills or having a thick waist is also risky for women.

Women tend to live longer than men due to which they're exposed to health conditions for a longer time. Therefore, as a woman, you need lifetime health insurance to protect you against all kinds of health issues throughout your lifetime.

Why Should Women Get an Optional Health Insurance Package Customised for Them?

An optional health insurance package can be of different types. One may enhance the insurance coverage that you already receive, another may boost your global coverage, while yet another package can cover costs incurred to test or treat medical problems unique to women.

While women can choose any of these optional packages, they can generally benefit the most from the third package. There are various health conditions specific to women that often pose a rising risk to them with increasing age and lifestyle changes. So, an optional lifetime health insurance cover for women, created by considering the factor of changing lifestyle, can give women peace of mind for years.

The most common conditions in women that such a package can cover are:

• Breast cancer: Its incidence is the highest in India among women's cancers. Nearly 1 in 28 Indian women can develop this cancer during their lifetime. It occurs more (1 out of 22) in urban women than in rural women (1 out of 60).
• Cervical cancer: A recent study revealed 96,922 new cases of this cancer in India. So, it's ranked second among cancers in women.
• Ovarian cancer: Its incidence is 5.4-8 among 1,00,000 women in India.

What Does the Women+ Health Insurance Package of ManipalCigna Cover?

If you want a lifetime health insurance plan that covers diverse medical costs throughout your life, ManipalCigna has your back. The plan offers a sum insured that ranges from ₹50 lakhs to ₹3 crores, large enough to remove all your financial worries when availing of tests, check-ups and/or medical treatment.

ManipalCigna understands that with the changing quality of lifestyle, medical insurance requirements may also change. So, the health insurance company allows you to customise the plan based on changing life stages. Then you can opt for optional packages like Health+ (that enhances the coverage), Global+ (global out-patient services and more), and Women+ (a special package for women). Under the Women+ optional package, the insurance company will cover the costs of various medical screenings, vaccination and consultations unique to the needs of women.

If you choose the Women+ health insurance package, you can receive coverage for the following kinds of medical services in the insurance company's network in India:

• Breast Cancer Screening: You can avail of a mammography screening, once in a policy year.
• Cervical Cancer Screening: In every policy year, you can go for a Papanicolaou screening, commonly called a PAP smear test.
• Cancer Vaccination: The insurance company will pay the cost of the vaccine that you incur for Cervical Cancer vaccination. This is applicable if the cost of every dose of the vaccine is up to ₹2,500.
• Ovarian Cancer Screening: You can receive a screening for ovarian cancer including a CA-125 test and an ultrasound in every policy year.
• Osteoporosis Screening: You can avail of an osteoporosis screening called a Dexa scan in each policy year.
• Gynaecological Consultation: In each policy year, you can book up to 15 gynaecological consultations in an outpatient facility.
• Psychiatric and Psychological Consultations: In every policy year, you can receive up to 5 psychological or psychiatric consultations and psychotherapy session in an out-patient facility.

Now that you know why it's important to have a women+ health insurance package, consider choosing one offered by reputed insurance providers like ManipalCigna.