Saturday, Dec 28, 2024 10:15 [IST]
Last Update: Saturday, Dec 28, 2024 04:34 [IST]
Today women are making strides in
various fields with multiple other responsibilities, their strength and
dedication to work, family, and society are truly admirable. With the ability
to manage multiple tasks comes a significant responsibility many women
overlook: their health. Just like mothers often prioritized everyone else over
themselves, many women in the next generation have picked up the habit of
neglecting their own well-being. It's crucial to remember that prioritizing
your health is the foundation for living a fulfilling life. As the new
generation of Indian women steps into adulthood, investing in health insurance
before turning 30 is more than just a wise decision—it's an act of well-deserved
self-care. Imagine pausing your career or a significant aspect of your life due
to health issues. Health insurance serves as an essential safety net,
protecting you from unexpected medical expenses and ensuring you are always
prepared. It’s time to improve our perspective and recognize that true
empowerment includes safeguarding the most valuable asset: health.
Let’s
take a look at the top reasons to buy health insurance for women before turning
30:
1)
Lower Premiums: Your age plays a crucial role in
determining your health insurance costs. Securing coverage at a younger age can
help lock in lower premiums and mitigate the higher expenses often accompanying
ageing or health issues. Women's bodies go through a lot of changes post-30.
Hence, it is essential to stay protected for health issues and for added
coverages that insurance provides, such as regular check-ups, maternity care,
women's health programs, etc., all of which promote wellness and help prevent
significant medical bills.
2)
No Pre-policy Medical Check-up: When
you’re younger, obtaining insurance is easier and more affordable, as medical
check-ups are often not required. However, as you age, a check-up may become
necessary to secure coverage, which may increase the cost and include a waiting
period if there is a health issue. Women insured before 30 will benefit from preventive
care, including vital reproductive health services and screenings to support
them. This proactive approach allows for early detection and management of
health concerns, preventing them from escalating into serious health issues.
3)
Waiting Period: With
ageing, the likelihood of developing health issues increases, which can lead to
long waiting periods for diseases like high blood pressure, heart problems, and
diabetes. Maternity coverage, vital for women, often includes waiting periods
that can extend for months. By acquiring insurance before age 30, you can
complete these waiting periods sooner, ensuring you are covered when it matters
most—especially if you plan to start a family. Early insurance enrolment
provides immediate access to essential maternity coverage, including prenatal
care, preparing you for future health needs.
4)
Cumulative Bonus: Many health insurance plans offer a cumulative
bonus for each claim-free year. Securing insurance at a younger age can save
money and provide better coverage. Health issues may arise as you age, making
earning bonuses harder. Beginning early helps increase coverage without
additional costs and offers financial security and peace of mind in the long
run.
5)
Tax Benefit: In your
20s, one significant investment to consider is health insurance, which provides
financial protection against unexpected medical expenses. Also, under Section
80D of the Income Tax Act of 1961, you can claim tax benefits on your premiums,
allowing you to save on taxes while protecting your health.
Obtaining
health insurance before age 30 is a smart decision for your health and future.
It allows you to make informed health choices without financial stress. By
covering medical expenses, insurance offers significant savings and greater
economic freedom in the long run. Prioritize your health today for a better
tomorrow!
