Mother’s Day 2023: Take care of your mother’s health like this on this Mother’s Day – embrace the significance of your mother’s health this mother’s day

Have you ever noticed that why we always remember our mother when we are in trouble or when we fall ill? How often do we think about their health in return? It becomes paramount for us that whether our mother is a housewife or working, it is paramount for us to provide her adequate cover during her medical emergencies. About this Tapan Singhal, MD & CEO, Bajaj Allianz General Insurance Explaining in detail.

Most women do not have health insurance coverage

Some working women are covered either by the GMC policy of their company or some are generally covered by the family floater policy. But it is sad to know that most of the women in India are not covered under any health insurance policy. Thus, it is important for us to talk about health insurance for every woman, especially mothers with the complexity of health issues they may face in old age.

There are many products focused on women

This industry has also been very customer-centric in terms of the products that you can choose from, especially for women. There are custom insurance plans that cover women specific critical illnesses like cervical cancer, vaginal cancer, breast cancer including congenital disabilities that affect newborn babies. Women can also benefit from maternity coverage as a part of their health insurance plan and it is generally bundled with the base health insurance plan chosen. It covers expenses related to pregnancy and childbirth, such as hospitalization, ambulance costs, room rent, and pre- or post-delivery complications for the mother and her baby, before or after delivery. going to spend Be it cesarean or natural delivery, expectant mothers can avail these coverages under their health insurance policy. While selecting the right plan, one must read all the terms and conditions of the policy document carefully, as there may be some limitations. One must also keep in mind that plans will always have certain sub-limits and waiting periods that must be adhered to.

Can take advantage of rider

Along with the base health insurance policy, many insurance companies offer rider benefits. It covers outpatient expenses. They cover the expenses incurred during doctor’s consultation and lab tests and provide unlimited teleconsultation. Another great benefit of the OPD cover is the preventive health check-ups that women can access and this will help them in early detection or take precautionary measures against diseases that may further put them at risk. But one should have a comprehensive health plan and for women it is even more important. Women play a diverse role as mothers where they shoulder multiple responsibilities and this in turn takes a toll on their physical and mental health.

Take care of mental health too

Mental health is an important aspect of a person’s overall well-being and following the guidelines of IRDAI, most health insurance policies now extend these coverages as well. When considering a comprehensive health insurance policy, one must choose a plan that extends treatment of mental illness and top-up policies for adequate coverage. Mother is the backbone of the family and hence personal accident cover will be beneficial in protecting her family financially in case of any unfortunate emergency.

Special Policy Coverage for Senior Citizens

Many a times, many get transferred due to personal or professional needs and move away from their parents. This keeps us constantly worried about the medical emergency needs of our mothers. To address this need gap, many insurers today offer 360-degree holistic insurance policies that integrate services aligned to the base health policy coverage to meet the immediate needs of senior citizens. Ambulance services, smartwatch-assisted fall detection technology, home nursing care and concierge assistance services are provided, among many other services.

Everyone Needs The Right Health Insurance Plan

Having the right health insurance plan and coverage is a necessity for everyone, but it is even more important for women and mothers to meet their healthcare needs. By having the right coverage, women can ensure that they and their families are protected and have access to the medical care they need and can live a life of dignity. This Mother’s Day, let us take a pledge to take care of her who has always brought us under her wing and has always stood as the pillar of our family. Now it is our responsibility to take care of their health in return and take a health policy to cover the expenses that may arise for it.