Importance of Health Insurance for Women

Recently, International Women's Day was celebrated with a great aplomb. Women play their roles and responsibilities with pride. They try to make everybody around them happy. They get so busy taking care of their family that they don’t even realize that they are taking their health for granted.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*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

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Single women, stay-at-home mothers, married women, working women all should have adequate insurance cover. It is the need of the hour, as it helps to safeguard their health, save money, and create a shield of protection.

    The last two decades were the first wave of the financial liberalization that triggered societal change and modernized conventional models that concern the women’s role.

    Women, especially in the urban areas, are becoming fiercely self-dependent, and they have become equal breadwinners of their families. Women are liberated enough to take their financial decisions, such as regarding investments and savings. So much has been said about the need and the importance of the insurance in women’s life. Still, women tend to overlook health insurance policy. Consequently, either they are underinsured or they have no coverage at all.


    Women need more medical intervention than men because they require reproductive care and they tend to fall ill more often.

    Health insurers offer insurance plans particularly for women to cater to their specific needs.

    These Health Plans Cover:

    • The women-specific like breast cancer, uterine cancer, fallopian tube cancer, cervical cancer, vaginal cancer, and ovarian cancer.
    • Maternity expenses.
    • Personal accident cover.
    • Hospitalization and post hospitalization charges for critical illnesses treatment.
    • Support of livelihood benefit in case of the accidental death or permanent full disability of an insured woman.

    Benefits of Women Health Insurnace

    The Following are the Points to Keep in Mind When You Buy Health Insurance:

    1. Economic isn’t Adequate

    When you buy health insurance, you come across a variety of basic health insurance plans that offer you coverage for minor diseases. These plans might be cheaper but the coverage provided would be insufficient. Avoid financial crisis during medical emergencies by opting for adequate coverage. After all, Health is wealth they say. 

    2. Buy Personal Health Insurance

    The validity of your health insurance coverage is directly related to how long your tenure is with the organization. The moment your association with the organization is over, the health insurance plan lapses. Job change, retirement etc. affects your financial budget. As long as you are paying the policy premium, your health insurance cover is valid.

    You may like to Read: Buying an Individual Women Health Policy

    3. Inflation

    When you don’t have adequate insurance cover, medical bills can wipe away all your savings and push you closer to a financial crisis. The medical inflation is rising at an alarming rate; a mediclaim policy can ensure your financial safety.

    4. Early Bird Catch the Worms

    Women should buy medical insurance when they are young, as their health is at its peak and they are free from any medical complexity. The perks of being an early bird are that the premium rate is lower. At the same time, the health policy offers you a comprehensive cover. As you grow old, the premium rate increases and coverage decreases correspondingly.

    5. Tax-Benefit

    Apart from providing you an insurance cover, having a health insurance plan offers you the benefit of tax-saving as per Section 80D of the Income Tax Act, 1961. Women under the age of 65 years can claim a tax deduction of up to Rs. 30,000.

    6. Prepare for the Unexpected

    Having a protective shield of insurance prepares you for the unexpected health issues that can be even worse for you in the future. It can also put an added burden on your shoulders. They say - Hope for the best and prepare for the worst.

    7. You Need it

    Ladies, when you think you don’t need health insurance; it is when you should buy one, which means that you won’t get the full coverage when you actually needed it.

    Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Written By: PolicyBazaar - Updated: 30 July 2021
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Health insurance articles

    Recent Articles
    Popular Articles
    Health Insurance for Autoimmune Diseases in India

    16 Sep 2021

    Every human body comes with an immune system to fight against...
    Does Health Insurance Cover Multiple Sclerosis In India

    15 Sep 2021

    Due to a hectic lifestyle leading to unnecessary stress and...
    Critical Illness Insurance Policy For Stroke Patients In India

    14 Sep 2021

    Medical emergencies are unpredictable and it brings a lot of...
    Which Health Insurance to Buy for People below Poverty Line?

    09 Sep 2021

    Although the penetration of health insurance in India is quite...
    List of Diseases Covered by Star Health Insurance

    07 Sep 2021

    Getting diagnosed with a major illness is not only stressful but...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Top Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy...
    Download the Policybazaar app
    to manage all your insurance needs.