Health Insurance for Housewife

What is Health Insurance for Housewife?

Health insurance for a housewife has been designed to provide medical coverage against various health-related expenses, such as hospitalisation costs, maternity expenses, OPD treatments, ambulance charges, preventive health check-ups, etc. It enables homemakers to afford the best medical care on a cashless basis without any financial burden. Housewives can either buy a dedicated women health insurance plan designed to address their unique health needs or a family floater health policy coverings their family.

Why Should Housewives Buy Health Insurance?

Check out the reasons why buying health insurance is necessary for housewives:

1. Comprehensive Medical Coverage

   Healthcare facilities in India are getting more expensive by the year, making it difficult for all housewives to afford the best treatment. As a result, homemakers often sacrifice their health needs to fulfil those of their husbands and children. But with medical insurance, housewives get comprehensive coverage against a wide range of medical expenses, including hospitalisation costs, ambulance charges, maternity expenses, OPD treatments, etc., in exchange for a small premium.

2. Protection Against Gynaecological Concerns

   Women's health comes with unique challenges compared to men. For instance, they may face gynaecological concerns like menstrual disorders, pregnancy-related issues, infertility, ovarian cysts, etc. and women-specific diseases like breast cancer, cervical cancer, etc. The treatment for these issues is often heavy on the pockets.

   However, a mediclaim policy can ensure housewives access to quality medicare without worrying about the high costs associated with specialised women's health treatments. In fact, many health insurance for women specifically cover gynaecological treatments, consultations, screenings, pregnancy and childbirth.

3. Access to Preventive Care

   Preventive healthcare is about detecting potential problems early before they become serious. Health insurance plans designed for housewives often include preventive care benefits like annual health check-ups, preventive screenings and assessments, diagnostic tests and consultations with specialists. This is especially important for women as it promotes early detection and intervention, reducing the chances of more severe health issues in the future.

4. Mental Health Support

   From taking care of children to handling household chores, housewives manage many responsibilities. This can sometimes lead to stress, emotional strain or other mental illnesses. With insurers offering health insurance for mental health, homemakers can avail the right treatment for psychological conditions, from counselling sessions to psychiatric consultations.

5. Coverage for Critical Illnesses

   Homemakers are at a high risk of suffering from critical illnesses like breast cancer, ovarian cancer, heart disease, diabetes, etc., which can be life-altering. Besides, the cost of treating such illnesses can quickly add up. However, buying a critical illness insurance plan can provide financial support during these challenging times, right from covering the cost of hospitalisation to therapies.

6. Protection Against Accidents and Emergencies

   Accidents are unpredictable and can happen to anyone, even at home. Health insurance for housewives covers the cost of emergency hospitalisation, ambulance fees, and surgeries resulting from an accident. This means homemakers can get immediate medical attention in case of accidental emergencies without having to wait or compromise due to financial concerns.

7. Tax Benefits

   Health insurance premiums paid by housewives are eligible for tax deductions under Section 80D of the Income Tax Act, 1961. This can reduce the overall tax liability of the family, providing additional financial advantages.

List of Health Insurance for Housewife in India

Check out the list of health insurance plans for a housewife in India:

*Disclaimer: The following list of insurance companies is arranged alphabetically. Policybazaar neither endorses nor rates any specific insurer or insurance product. The plans included here represent offerings from Policybazaar's insurance partners. For a comprehensive list of insurers in India, please visit the Insurance Regulatory and Development Authority of India (IRDAI) website at www.irdai.gov.in.

Inclusions of Health Insurance for Housewife

Most health insurance plans for a housewife provide coverage for the following:

• In-patient care
• Maternity expenses
• Cancer cover
• Prenatal & postnatal expenses
• Newborn baby cover
• Newborn baby birth defects
• Preventive screening and assessment
• Pre and post-hospitalisation expenses
• Voluntary sterilisation
• Critical illness cover
• Preventive health check-ups
• Emergency road ambulance charges
• Antenatal care
• Medical termination of pregnancy and miscarriage
• Loss of job
• OPD treatment
• E-medical second opinion
• Bariatric surgery

Exclusions of Health Insurance for Housewife

The following coverage are excluded under health insurance plans for a housewife:

• Domiciliary hospitalisation
• Excessive use of alcohol or drugs
• Intentional self-injury
• Injuries due to hazardous/adventure sports
• Sexually transmitted diseases
• Venereal diseases
• Treatment obtained outside India

Factors to Consider While Buying Health Insurance for a Housewife

Selecting the right health insurance for a housewife requires careful consideration of several factors that are as follows:

1. Maternity Benefits

   If a housewife is planning to start or expand her family, it is essential to choose a health policy that offers extensive maternity benefits. These benefits cover expenses related to childbirth, including delivery costs, prenatal care, and postnatal care. This way, they can have financial support during the most beautiful phase of their life.

2. Newborn Baby Cover

   Housewives who are planning to have a baby in the near future must look for a policy that provides coverage for newborns. Many health insurance plans extend coverage to a newborn baby right from birth, covering expenses like first-year vaccinations, medical treatment costs, and stem cell preservation. This ensures that the baby receives the necessary care and protection from the very beginning.

3. Waiting Period

   Waiting periods refer to the duration that the insured needs to wait before certain benefits become available. For example, maternity insurance benefits usually come with a waiting period of 3 months to 4 years, depending on the plan. When choosing a mediclaim policy for a housewife, consider one with a shorter waiting period to ensure access to coverage benefits sooner rather than later.

4. Critical Illness Cover

   Consider buying a health policy that provides coverage for critical illnesses like cancer, heart disease, and kidney failure. Treating these illnesses can lead to high medical expenses, but having critical illness cover can offer financial support to pay these hefty medical bills.

5. Preventive Care

   Preventive care helps people stay ahead of potential health risks. Housewives should choose a health insurance policy that offers preventive care benefits, such as free health check-ups, wellness programs, preventive screenings, etc. These services promote early detection of illnesses and encourage a healthier lifestyle.

6. Affordable Premiums

   While choosing the right coverage is crucial, make sure that the chosen policy fits within the budget. Compare the premiums of various health plans for housewives and go for one that balances comprehensive benefits with affordable costs.

How to Buy Health Insurance for Housewife Online?

Purchasing health insurance for housewives on Policybazaar.com is hassle-free and quick. Homemakers can compare different plans to find the right one within their budget. Take a look at the steps to buy health insurance for a housewife below:

Step 1: Go to Policybazaar.com and click on the "Health Insurance" button.

Step 2: Choose your gender and select the family members you want to include in the plan. Then, select the age of the chosen family members.

Step 3: Enter your city or PIN code, and click "Continue."

Step 4: Fill in any relevant medical history for the family members you wish to insure.

Step 5: Compare the various health insurance plans for housewives and select the one that best suits your budget and needs.

Step 6: Pay the premium online using your preferred payment method.

Step 7: After successful payment, the policy document will be emailed to you.

FAQs