*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
Sedentary lifestyle leads to stress related disorders and lifestyle diseases among women. They become more vulnerable to health issues especially after the age of 40. It has been noted that women have a greater chance to fall a prey to critical ailments such as arthritis, irregular BP, diabetes, Auto-immune diseases, Osteoporosis and so forth. Women are even more susceptible to bone-related disorders and breast cancer.
Moreover, the dreads of pregnancy related disorders come solely in women’s share. Modern living puts a lot of stress on the health of women leaving them vulnerable to cardiovascular diseases, lifestyle disorders and even minor ailments which can become chronic illnesses.
Considering these facts, it seems only obvious that women need health insurance as much as men do and more or less for the same reason - to assure a financial back up in case a medical contingency arise. Why should they be any different and even more so when they constitute a major fraction of the working force.
The insurers have finally started getting serious about catering to the health insurance needs of women in India. The market now offers women-specific health insurance plans designed specifically for their medical needs. Some insurers offer in-built pregnancy related cover, though it’s not very extensive. These plans are specially designed with an intention to cover illnesses that a woman is more prone to get during her lifetime.
Some insurance providers offer women specific health insurance plans and we have listed some of them here along with their scope of coverage:
1. Bajaj Allianz Women-Specific Critical Illness Insurance Plan:
This health insurance plan provides financial protection against 8 critical illnesses to which women are more vulnerable:
Till now, women used to be covered under floater plans or as a dependent in the husband’s health insurance plan. But now as more and more women are getting into the working force, they are being covered under employer group health insurance plan as well as individual health plans. While purchasing a policy, one should look out for a comprehensive coverage that includes women related diseases along with maternity benefits.
2. TATA AIG Wellsurance Woman Health Insurance Plan:
TATA AIG Wellsurance comes with a substantial cover on:
3. Care Joy Maternity Health Insurance Plan
Care Joy is a good option to get hospitalization and maternity expenses covered along with the new born baby
4. Reliance Health Gain Policy
Reliance Health Gain is a health insurance policy that is available on both Individual and Family Floater basis. The insured can get cashless treatment in network hospitals and the insurer takes care of the treatment cost for the illnesses that are covered. Moreover
5. HDFC Ergo my: health Women Suraksha Plan
It is a comprehensive health plan that covers almost every illness that women can encounter in her life. There are different plan options and their coverage and benefits and given below:
1. HDFC Women Cancer Plus Plan
2. Women Critical Illness Essential Plan
It covers major illnesses, cancer, surgeries, and heart-diseases. There is a 90-day waiting period applicable to major illnesses and procedures. 180 days waiting period is applicable to minor illnesses and procedures. The insured can file pregnancy and new-born related claims after completion of one-year. In case of maternity complications
3. Women Critical Illness Comprehensive Plan
HDFC Ergo has designed this health insurance plan to offer protection to women against cancer. The policy offers. 100% sum insured is provided for cancer treatment. The policy also covers First Heart Attack, Open Chest CABG, Insertion of Pacemaker, Angioplasty, and many more.
4. Women Cardiac Plan
This plan covers cardiac ailments and related medical procedures.
5. Women Assault and Burns
HDFC Ergo also covers bodily injuries arising from burns and assault
6. New India Asha Kiran Health Plan
This health insurance policy is designed for parents with only one girl child. Individuals between the age group of 18 years and 65 years can buy this policy:
For the loving husbands, your wife takes care of the smallest things in your life. It’s time you start showing a little care too. The same goes for the loving sons and daughters for whom mom is the world. And for all the ladies out there, whether you are working or stay-at-home moms; single or married; you all ought to put your health first. Needless to say, the obligations only widen for single moms and divorcees. A wisely chosen health plan can go a long way to take care of your well-being in all phases of your life. Wait no more, get and compare quotes and pick up the best health insurance plan for women today!