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benefits of medical insurance for single moms
Mar 30, 2023

Understand How Medical Insurance Can Benefit Single Moms?

As a single mother, there is probably a lot on your mind when it comes to managing your household and taking care of your little one. It is easy to get lost in routine responsibilities and lose sight of long-term planning and protection for both of you. However, if you want to ensure future security, especially when it comes to your health and well-being, you must consider getting a health insurance plan. Here is a look at how health insurance can help you as a single mother.

Protection against medical inflation

Healthcare is one of the non-negotiables in life. Although healthcare needs are neither regular nor necessarily foreseeable, when they do arise, you may need to tend to them on priority. You may choose to prepare to face these financially. But are your preparations going to be enough? When preparing for healthcare costs in the future, it would be wise to factor in inflation. However, preparing adequately for healthcare needs while ensuring that you have also braced yourself against medical inflation can prove to be difficult. Costs of medical needs can skyrocket in no time, especially in comparison to other sectors. Instead of relying on your savings and having to spend them over a medical emergency, you may find it more suitable to opt for a health insurance policy. The right policy will offer you adequate coverage for the duration offered by the policy. So, if you were to face a healthcare situation during this time, you may be able to claim your health plan and not have your savings suffer.

Coverage for children

For most single mothers, the overall responsibility for the well-being of their little ones lies on them. Moreover, as a mother, you would also want to provide your child with everything best possible. If so, you may have also thought about their healthcare. Children may not need extensive medical attention often. Dealing with cough, cold, fever, and stomach ache is a common occurrence for most parents. However, when they do need to be taken to a hospital, you may like to ensure that they are getting the best treatment possible. And, at such times, it helps if money is not a concern. Health insurance plans for family can help you get coverage for yourself as well as your child, so you can rest assured about your family’s healthcare needs.

Coverage for healthcare needs later in life

As you grow older, it is possible that you may start to experience health issues. It is commonly assumed that the need for healthcare goes up with age. As a single mother, you already have the responsibility of a child, whose needs are bound to grow with age. Add to this the fact you will probably be the only one to support yourself as well as your child. Adding growing healthcare needs to this basket of responsibilities may put you under financial stress. To avoid this, a health insurance policy might help. You may think that getting health insurance earlier for problems that may arise later is not necessary. However, this allows you to protect yourself against unforeseen circumstances. It lessens the chances of your conditions being ruled out as pre-existing.

Access to quality healthcare

Finding the right healthcare becomes more crucial as health complications increase. To address your complicated health issues, you may need to consult experts in the field. This means that you will need access to speciality services. To ensure that you are able to pursue this need without having to worry about costs, your health plan may support it. If you check the inclusions and exclusions of your health insurance policy, you may note that a range of ailments is covered. You will be able to get the necessary treatment for any of the included conditions by accessing the right healthcare professionals, without having to worry about costs.

Prioritising your well-being

Getting health insurance coverage in India is encouraged for everyone, but it can prove to be a source of support for single mothers. As a single mother, you may be shouldering a number of responsibilities, such as that of your parents, your child, and your work life. It is easy for women to push their well-being further down the priority list. Having a health insurance plan allows you to be prepared to take care of yourself when the need arises. You pay a premium today, and when you need financial support to take care of yourself, you can claim your plan and address your healthcare needs at the right time. When buying a health insurance policy, ensure that you compare the available plans and get the one that suits you the best. It may be ideal for you to get a family floater health insurance so that you can include your little one in your plan as well.   *Standard T&C apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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