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Women specific critical illnesses and how to cover yourself financially


Being a woman, you are the pillar of strength for the entire family. As the caregiver and nurturer of the family you singlehandedly take care of numerous responsibilities in addition to pressing work commitments. You not only take care of home but equally share the workload at office. In doing all this, more than often you forget about your health. The way you take care of the health of your family members, you need to take equal care for yourself too. It is the lack of awareness amongst women that is the major cause of concern for not being able to prevent critical illness.

Women do not go for regular health checkups and it becomes difficult to diagnose critical illness such as cancer, when this is the case. With a proactive approach, critical illnesses can be detected at an early stage and can be treated and eradicated quickly. But first, let us understand what critical illness is?

Critical illness means any illness, disease or health condition that are life-threatening and require comprehensive care and continuous monitoring, often in intensive care. Health issues such as cancer and paralysis come under critical illnesses.

Treatment methodologies of critical illness are:

Depending on the individuals’ diagnosis, the different critical illness requires different methodology of treatment. Usually, critical illness treatments are divided into three different stages – pre-operation, during hospitalization and post hospitalization. These critical illnesses require extensive medical care and hospitalization. The overall cost shoots up to a great extent and affects the entire finances of your home and savings.

Before such an illness hits you, it’s important to be covered under a comprehensive Women’s Health Insurance: Critical Illness Plans. Bajaj Allianz offers just the right policy for you. It covers you against the following 8 critical illnesses:

  • Breast cancer
  • Fallopian tube cancer
  • Uterine/cervical cancer
  • Ovarian cancer
  • Vaginal cancer
  • Permanent paralysis of limbs
  • Multi-trauma
  • Burns

Congenital Disability benefit: Congenital Disability benefit covers the first two children. It gives 50% of the sum insured if the insured person gives birth to a baby that has any of the following congenital diseases/disorders:

  • Down’s syndrome.
  • Congenital cyanotic heart disease
  • Tracheo-esophageal fistula
  • Cleft palate with or without cleft lip
  • Spina bifida

Children’s Education Bonus: There’s also a Children’s Education Bonus, where if the claim has been paid under the policy, Bajaj Allianz will also pay Rs. 25,000 totally towards the education of one or both children (maximum of two).

Loss of job cover: In addition, there’s a clause protecting the insured woman in case she loses her job. If the insured person loses her job within 3 months of being diagnosed, Bajaj Allianz will pay Rs. 25,000 towards ‘loss of employment’.

The way forward

Healthy lifestyle: Have a balanced diet, exercise regularly and maintain a healthy lifestyle. These are the vital factors to lead a good and happy life. Don’t neglect your health in the pursuit of looking after your family.

Practice preventive care: It is always advisable to follow a preventive care. Preventive health care includes services such as health screenings, medical examinations and counselling that are useful in avoiding health problems or in detecting ailments at an initial stage when therapy can effectively treat it. Undergoing recommended preventive services and altering lifestyle to healthy options are vital steps to good health and wellness.

Take care of your health and if you haven’t thought of any insurance cover, then go for Bajaj Allianz’s Women’s Health Insurance: Critical Illness Plans today!

 

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Published on:7 Oct, 2019

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