The need for women's health insurance is different from that of men, it needs special treatment in choosing health insurance products. There are a few things women need to know about Women's Health Insurance. In principle, should not be charged more for health insurance just because you are a woman in need of special protection. It's just that you need to adjust to the coverage you take.
It can not be denied that wider coverage will cost more because of existing conditions, such as cancer or it could be life insurance for example. You can choose a health insurance product that works with a primary care provider or a hospital network that is nearby or trusted.
Health Risks Women Must Get Protection from Health Insurance
In accordance with its role in pregnancy, childbirth and breastfeeding, the health risks below should have protection from health insurance. In addition to prone to threaten health, medical expenses are also very expensive. Here's some protection women need from a health insurance.
1. Protection for Childbirth
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| Protection for Childbirth |
You may feel confused or indecisive whether giving birth needs insurance or just setting up savings only. Moreover, the pregnancy insurance system sometimes also some changes in the health care system and can also wonder how to get pregnancy insurance.
Some data and facts of the survey results and research on women's health following can be a reference to the importance of insurance for childbirth:
- The Results of Indonesia Demographic and Health Survey (SDKI) in 2007 which at that time reached 228 soul per 100 thousand live births.
- Result of the more recent SDKI in 2012, the maternal mortality rate in Indonesia reached 395 people per 100 thousand live births.
But the good news is that pregnancy insurance is much more accessible now. Previously, only a few people who have insurance plans that offer labor but now more and more demand, given the premium is also affordable.
Health insurance with benefits of childbirth allowance will provide comprehensive protection against the following conditions:
The risk of fatal due to disease complication process or without complications that have to do with pregnancy. The cost of doctors, hospitals, and additional services (eg laboratory results, tests, x-rays). Even all pre-existing conditions are included (except ongoing orthodontic treatment). Many also offer no waiting period (for pre condition condition), and no annual limit.
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But keep in mind, it is worth looking at the risk profile of your womb condition and financial ability to take health insurance products with this birthing allowance considering the premium fee to be paid is also large.
2. Protection Against Cervical Cancer
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| Protection for cervical cancer |
Cancer prevention is part of the action taken to reduce the likelihood of getting cancer. By preventing cancer, the number of new cases of cancer in the female group could be lowered. This will reduce the number of deaths from cancer.
To prevent new cancers starting, every community needs to be conscious and learn how to look at risk factors and protective factors. Anything that can increase the chance of getting cancer is called a cancer risk factor; while anything that lowers the chance of getting cancer is called a cancer protective factor.
Some cancer risk factors can be avoided, but many can not. For example, smoking and inheriting certain genes is a risk factor for some cancers, but smoking is inevitable. Regular exercise and healthy foods may be a protective factor for some cancers.
Avoiding risk factors and increasing the protective factor may lower the risk but it does not mean it will not get cancer. Therefore as part of the risk protection, you need to join the cancer insurance program.
3. The Importance of Understanding Breast Cancer Risk
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| Protection from breast cancer |
