NH ENG _Mac2022

living Well
Why a Women-Exclusive
Health Insurance Plan
Can Be a Good Choice
As a woman, you may have many roles – a mother, sister,
daughter, employee, businesswoman and so on. When life
gets busy, it’s important to keep your health in check. Besides
taking care of yourself by having a well-balanced diet and a
healthy lifestyle, it is worthwhile to get a female-specific health
insurance plan to protect you. That way, you can live a full life
with peace of mind.
What is women-specific
insurance?
Women-specific policies are designed
to cover specific female healthcare
needs that standard health insurance
plans may not provide. For example,
female-related illnesses, maternity care,
newborn baby coverage, and more.
There are many benefits in these
ladies-only health plans to ensure
women have something to fall back on
during a medical emergency, such as a
sudden accident or illness. This provides
financial independence and stability
at the same time. Fortunately, a wide
variety of specialised health coverages
for women is available in Malaysia. Let’s
take a look at the benefits and what
different policies have to offer.
Protection from female
diseases
General insurance may not cover
certain critical illnesses that affect
women, such as breast cancer, ovarian
or cervical cancer. Subscribing to a
specialised health policy for women
can help offset the financial risks should
these illnesses occur.
Taking PRULady from Prudential as an
example, the policy offers coverage
for a broad range of female-related
illnesses, including female cancer
(breast, cervix uteri, fallopian tube,
ovary, uterus, or vagina/vulva) and
systemic lupus erythematosus with
severe kidney complications, as well
as age-related conditions such as
osteoporotic fracture and rheumatoid
arthritis. Additionally, there is a
coverage restoration feature for female
carcinoma-in-situ, which means the
reduced amount of cover will be
restored after six months from the
diagnosis date of female carcinomain-situ.
Protection for mother and
baby
If having children is in your life plan,
it’s ideal to have some form of financial
support for your pregnancy and
childcare needs. PRULady covers all
mothers-to-be against pregnancy
complications and their children against
congenital illnesses such as spina bifida,
cleft lip, ventricular septal defects, and
others. The coverage also accounts for
unfortunate conditions resulting in the
loss of a child, including disseminated
intravascular coagulation (after seven
7 months of pregnancy); ectopic
pregnancy, eclampsia, late miscarriages
after the 18th week, and death of a
foetus or an infant after 30 days of
birth.
Infertility
For those who can no longer get
pregnant due to accidents that cause
injury to their reproductive organs
(ovaries and/or womb), policies like
PersonaLady policy from Etiqa and
Lady Protector from Great Eastern offer
compassionate cash compensations to
assist them during this difficult time.
40 Natural Health * March 2022 VOL 126