21st-century girls need health insurance before turning 30. Here's why

In an era dominated by hustle culture and the #GirlBoss mentality, millennial women are redefining success on their terms. They are climbing career ladders, shattering glass ceilings, and curating Instagram-worthy lives. Yet, amidst this whirlwind of achievements and aspirations, there’s a crucial trend that many overlook – securing their health and financial future. As the new generation of Indian women navigate the complexities of adulthood in 2024, investing in health insurance before hitting 30 isn’t just smart – it’s an essential act of self-love.

Too often, purchasing the latest tech gadgets takes precedence over well-being, leaving health vulnerable to life’s unpredictable twists. Imagine crushing your career goals only to have an unexpected health scare derail your plans. Suddenly, those designer shoes pale in comparison to looming medical bills. It’s time to change the narrative and recognise that true empowerment includes protecting our most valuable asset – our health.

Here’s why investing in health insurance before your 30s is a smart move:

The timing

Investing in health insurance before 30 is a strategic move that offers a trifecta of benefits. By acting early, you lock in lower premiums while gaining comprehensive coverage, protecting yourself against a wide array of health concerns. This foresight creates a robust safety net for life’s unexpected medical curveballs, covering everything from hospitalisation to emergency services. Moreover, it’s a long-term investment that pays off, as many insurers reward early policyholders with loyalty benefits and discounts. By prioritising health insurance in your late 20s, you’re not just safeguarding your health – you’re making a savvy financial decision that offers immediate protection and long-term savings, setting a solid foundation for your future well-being.

Empower your career

Investing in health insurance before 30 is about taking control of both your professional and personal well-being. It empowers you to make proactive health decisions without financial constraints. From regular check-ups to timely consultations and even outpatient care, having the right insurance encourages a preventative approach to health management. This proactive stance not only protects your career trajectory but also enables you to take charge of your overall wellness journey. By securing comprehensive health insurance, you’re not just preparing for uncertainties – you’re actively shaping a future where both your career ambitions and health priorities align.

Planning for womanhood

Health insurance before 30 is crucial for women, offering tailored protection for their unique health journey. It addresses women-specific health concerns and includes key family planning benefits, such as maternity coverage, prenatal care, and assisted reproduction treatments. Many women centric health insurance policies provide a holistic framework for women considering motherhood, emphasising preventive care through essential screenings and tests. They often cover both allopathic and AYUSH treatments, offering diverse healthcare options. Additionally, they also include wellness programs to manage common health concerns and stress, supporting women in maintaining optimal health while balancing career and personal life.

By investing early, you’re not just protecting your current health – you’re preparing for a supported journey into motherhood, if and when you choose. This empowers you to make informed decisions about your health and family planning, ensuring financial concerns don’t limit your choices. I

Tailored coverage

There are many comprehensive health insurance policies that offer coverage tailored for women’s health needs. Benefits often include quick cashless claims, wellness rewards, telemedicine services, and new-born care coverage.  These policies typically offer a range of coverage amounts, allowing you to choose the level that best fits your needs and budget. While these policies are extensive, it’s important to review the details for exclusions and waiting periods.

(The writer is Chief Operating Officer, Star Health and Allied Insurance)