If we can earmark a particular day to celebrate womanhood, shouldn’t we have a woman-specific health insurance plan too?
Our society has molded gender roles in such a manner that women end up tossing between family and profession. While there’s no denying that women have done a great job at multi-tasking, there are still aspects that get overlooked in the whole balancing act. One of them is health. It is also a fact that among Asian countries, Pakistan has the highest rates of breast and ovarian cancer.
Keeping all of the above in mind Jubilee General Insurance has developed a specific critical illness policy ‘HerCare’ that solely covers illnesses common among women.
Here’s all you Need to know about the Policy
This policy pays a lump sum amount equivalent to the amount of Sum Assured chosen, if the insured woman is diagnosed with any of the 8 specified critical illnesses during the tenure of the policy.
‘HerCare’ -Critical Illness Plan for women provides for 8 types of critical illnesses:
What makes the plan unique is that it has certain inbuilt benefits other than the coverage against the specified critical illnesses. Moreover, no additional premium is required to be paid. The benefit included in the cover is:
Congenital Disability Benefit:
Bearing a child is the most important milestone in a woman’s life and if the child has any congenital disability, the mother suffers the most. The plan lists some common congenital disabilities that a new-born baby might suffer. If the baby suffers from any of the prescribed disabilities, the plan pays 50% of the Sum Assured to the mother. The disabilities covered include:
This benefit is available for the first two children and only if the children are born before the woman attains 40 years of age.
Other features of ‘HerCare’ Insurance are as follows:
There are three types of plans:
|HerCare Premium Table (PKR)|
|Max Entry Age||Age Bands||PLANS|
|Sum Insured PKR 500,000/-||Sum Insured PKR 750,000/-||Sum Insured PKR 1,000,000/-|
Note: Above rates are inclusive FIF & Stamp duty but Excluding 4% advance tax for non filers.
Considering the premiums, one can say that the asking rate is extremely low against the coverage being provided. There is nothing wrong in putting family before self, but it is time that you did something for your health and well-being. Given the fact that critical illnesses like breast cancer and cervical cancer are affecting more women than before, it is best to be at least financially covered. You, in your multiple roles, are equally important to your family as your family is important to you. And if you are a caring husband or father, insure your wife or daughter to give her that financial cushion in the face of a medical crisis.