Why is health insurance more expensive for women, Loud music, and sleep deprivation—all these small, a priori insignificant errors—can be costly to your health. Our tips are to not fall into the trap.
Why is Health Insurance More Expensive For Women Step By Step
1. YOU LISTEN TO MUSIC IN THE STREET
It is true that on the street or in transit, it is much more pleasant to listen to a song that we like if only to wake up a bit. However, it can become very dangerous in the long run for your ears, especially if you are used to increasing the volume to block out noisy surroundings.
A volume higher than 85 decibels (most are MP3 up to 120) can cause hearing loss. Take the test to see if a person sitting next to you can hear your music. It is essential to decrease the volume.
2. YOU WEAR YOUR LENSES EVERY DAY
For some women, going out with their old eyeglasses is unthinkable. However, wearing contact lenses is not always recommended, especially when you feel a little sore and sick. And because when you are unwell, your eyes tend to produce fewer tears and therefore be drier, which greatly increases the risk of conjunctivitis. If you are determined to keep your lenses anyway, use daily disposable lenses to reduce the risk of infections.
3. YOU DO NOT HAVE YOUR SLEEP 8 HOURS
Why is health insurance more expensive For women, they need 7 to 9 hours of sleep per night and this is not debatable. Do not think about saving time by leaving aside a few hours of rest; they are indispensable to recharge batteries.
A study in the United States showed that women who slept less than eight hours a night for not ten years increased their risk of having heart disease. So your pillows!
4. YOU DRIVE DOWN THE WINDOW
In winter, the risk is lower but as soon as the warm weather arrives, you may tend to lower your car windows to enjoy pollution. And yes, to breathe fresh air, it is better to keep the windows closed For good reason, a study showed that in only 6% of passing time in a car window, you breathe the equivalent of 45 % of the polluted air absorbed in a whole day.
5. Health Insurance: ALWAYS ORDER THE CHEF’S SALAD
You have decided to lose a few pounds and start to plan but the question is whether you will enjoy a good time at the restaurant with your friends. inevitably, you order a salad. A priori, this is a good choice but the salads are surprises. Avoid first drowning in the sauce, then prefer salads that contain no bacon or croutons. These small seasonings go almost unnoticed yet are very bold. Choose instead a tuna salad or seafood
6. YOU IMITATE YOUR FRIENDS
And yes, it is difficult to escape; we all tend to follow the habits of friends. The problem is that they do not always have a great lifestyle. A study in the U.S. showed that if a close friend takes a lot of weight, it also increases your chances by 57% to take kilos.
For example, if your friends tend to take a drink several times a week, you too will be tempted to drink more often than usual. Same thing if your friends often go to fast food restaurants. Conversely, there is nothing better than a friend to stay motivated and accompany you to the gym!
7. YOU FORGET THE FLOSS
Brushing teeth (at least 3 minutes) is not enough! There are always corners between the teeth that remain inaccessible to the brush, especially when you do not have perfectly aligned teeth. The solution uses dental floss. Forgetting to do this small gesture can cost you a lot of money.
Indeed, a poorly cleaned mouth can lead to bacterial infection and inflammation of the gums, and in some severe cases; it can even lead to tooth loss. Take the time to take care of your smile!
8. YOU DO NOT LISTEN TO YOUR BODY
Back pain, aches, or stomach pain are not trivial. However, today, with a busy schedule, women have more time to ignore the warning signals sent by the body and gradually get used to the pain. These evils, which may seem benign, may reflect stress or even a more serious disease.
So listen to what your body tells you and take the time to consult a doctor to be sure all is well.
Mutual health insurance for women: is there a difference in coverage?
When it comes to health, women have specific needs. Contraception, pregnancy, mammography, and other health procedures that require special care. It is therefore essential to choose mutual insurance for women that suits you and that adapts to the different stages of a woman’s life.
Contraception, pregnancy, and gynecological follow-up are targeted health needs for women. This is why a woman must be careful when choosing her mutual insurance to benefit from good health coverage. Essential protection for taking care of your health and calmly understanding the different cycles in a woman’s life.
Health insurance costs related to pregnancy
When a woman is considering becoming pregnant, she should make sure she has good health coverage. You must check whether current costs related to pregnancy are covered:
- The daily rate during your hospitalization
- Fee overruns
- Reimbursement for a private room
- Coverage of x-ray costs and gynecological examinations at the start of pregnancy (health insurance covers 100% of health costs from the third trimester of pregnancy)
Beyond these acts, it is important to look at the conditions of coverage for certain specific medical procedures:
- Consultations with a midwife
- Childbirth preparation classes
- Amniocentesis
- Support for IVF and PMA courses
Additionally, it may be a good idea to know about optional post-delivery services. For example, some mutual insurance companies grant a birth bonus, or cover hours of home help following a cesarean section.
Reimbursement of female contraception
The new health insurance reform applicable since January 2023 allows 100% coverage of certain contraceptives by Health Insurance for women under 26:
- Most birth control pills
- The diaphragms
- IUDs
- Hormonal contraceptive implants
- Injectable progestins
However, there is still a category of contraceptive methods with an outlay for the insured person, such as certain contraceptive pills or even female condoms and spermicides. To benefit from support, women must subscribe to a contraception package offered by certain mutual organizations. It is essential to be well informed to pay less for your health insurance expenses.
How do you choose the right health insurance for women?
When you are a woman, medical needs are specific and change with age. It is therefore interesting to turn to flexible formulas in health insurance. In any case, you should pay attention to several points:
- Waiver of advance fees
- Reimbursement of specialist consultations
- Coverage of fee overruns
- Waiting periods when taking out the contract or a new guarantee
Furthermore, your mutual insurance must evolve at the same time as you. Your health needs will be different depending on your age. When you are young, your gynecological care must be optimal to deal with the various complications and pathologies:
- Menstrual cycle problems like endometriosis
- Risky pregnancy
- Specific gynecological examinations
- Special contraception (certain pills are not covered and can be very expensive)
Faced with generally higher health insurance expenses when you are a woman, certain mutual insurance companies display higher prices than men. We advise you to find out about the different offers on the market. You can make 100% free quotes to compare several women’s mutual insurance companies to find the best offer at the best price.