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Why Do Women Prefer Health Insurance Plans Offering Preventive Check-ups?

A study conducted in the field of life insurance and health insurance revealed that while purchasing health insurance, women prioritize preventive check-ups, maternity benefits, and cover for diseases that arise out of lifestyle choices.

Most women state that check-ups are the determining factor when it comes to narrowing down a health policy. Although most plans do not offer any preventive services, a preventive healthcare cover comprises diagnosis and prevention.

Early detection

Many diseases may become critical in the future and result in inflated medical bills. Routine check-ups help screen and detect life-threatening diseases in their initial stage itself. For chronic diseases like cancer which may result in death, it is important to undergo check-ups from time to time to aid efficient prognosis.

The often overlooked benefit is that your condition could be completely cured or mildly treated   if diagnosed on time. Since this step would help identify diseases at an early stage, it would speed up your recovery, and lessen the financial burden.

Unhealthy Lifestyle

With a lot of the advancement in technology we enjoy today, lifestyle of individuals has greatly suffered. Tension, irregular sleep habits, unhealthy food, smoking, regular consumption of alcohol and tobacco, and obesity pose as major health risks. An erratic schedule elevates your chances of contracting disorders arising out of an unhealthy lifestyle.

Some of these disorders include heart diseases, stroke, type 2 diabetes, lung and oral cancers, cancers of the skin, colon cancer, and joint problems. These could potentially affect your daily life, causing you pain and worry, and may even result in death. In order to extend a healthy lifespan, regular check-ups are a must and should be invested in.

Tax benefits

Section 80D of the Income Tax Act prescribes tax benefits on the amount invested in cashless health insurance. The premium amount paid towards the policy enjoys the tax deductions. In order to encourage individuals to invest in a healthier future, the benefit is applicable irrespective of the insurance provider.

The premium paid in order to avail of riders, or add-ons to your standalone health insurance policy also qualify for tax deductions. Apart from existing benefits, tax deductions up to INR 5,000 are applicable for preventive health check-ups as well.



Medical History


Preventive health check-ups require the detailed determining of personal and family histories. Special concern is mandatory while considering a woman’s family history in order to fully determine the extent of the risks. A regular check-up would entail a general body exam, measuring blood pressure, heart rate, blood tests, lipid profiling, and urine tests.

Previous medical history of specific procedures, surgeries, and tests may also prove to be key factors in pre-empting the potential risks. Sexual history is also a crucial factor, and may potentially help understand the risk of contracting STDs or HIV/AIDS.

Specific Tests

Many medical tests are women-centric, and are vital to a healthy life, helping one extend their lifespan. Some of the tests covered by most health plans include the screening of cancers affecting women such as ovarian cancer, breast cancer, and cervical cancer. Tests like Pap smear, and mammograms are also included. Since most of these can be detected in their initial stages which may enable early treatment and cure, regular check-ups are a necessity, and should be conducted from time to time.

 

Participating in preventive healthcare check-ups offers multiple benefits, and is the reason why women prefer health insurance plans offering the same. A small amount is invested towards your good health which may prevent you from paying an exorbitant medical bill later. This investment goes a long way in reducing stress and protecting you and ensuring a healthy and financially secure life. 

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