Health Insurance Plans for Women

Women become more vulnerable to health problems after the age of 40. They have a greater chance of falling prey to critical ailments, such as breast cancer, arthritis, pregnancy-related disorders, irregular BP, diabetes, osteoporosis, etc., at this age. This is why women need health insurance as much as men to cater to their specific health needs. Check out the various women's health insurance plans in India.

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      Benefits of Buying Health Insurance for Women

      Take a look at the key benefits of buying health insurance for women:

      1. Coverage for Women's Health Needs

        Unlike regular plans, medical insurance for women provides customized coverage for health issues specific to women. For instance, coverage for gynaecological problems and women-related cancer, such as breast cancer and vaginal cancer, are not covered by most health insurance plans. With women's health insurance plans, females can get targeted medical coverage for issues pertaining to their health.

      2. Financial Independence

        With a women health insurance policy, females do not need to be financially dependent on their fathers or husbands to pay their medical bills. They can obtain the best available medical treatment and claim the medical bills from the insurance company. As a result, they become financially independent and can take better care of their health needs.

      3. Peace of Mind

        Women can stay financially secure for any medical emergencies if they have the best health insurance for females. This ensures peace of mind as they can access quality treatment at the right time without worrying about exhausting their savings.

      Who Should Buy Health Insurance for Women

      All females should be covered under a women health insurance policy. Nonetheless, the following women must buy the best health insurance plan:

      • Salaried women
      • Self-employed women
      • Housewives
      • Single mothers
      • Senior citizen women

      List of Best Health Insurance for Women in India

      Here is the list of the best health insurance for female in India:

      Women Health Insurance Plans Sum Insured (₹) Entry Age PED Waiting Period
      Bajaj Allianz Women Specific Critical Illness Plan 50,000 to 2 lakh 21 to 65 years -
      Care Joy Maternity Insurance Plan 3 lakh, 5 lakh 18 to 65 years 4 years
      Future Generali Health POWER Plan 5 lakh to 1 crore 18 to 65 years 3 years, 4 years
      HDFC ERGO my:health Women Suraksha Plan 1 lakh to 5 crore 18 to 65 years (40 years for pregnancy-related cover) 4 years
      ICICI Lombard Women Cancer Shield Plan Up to 30 lakh 18 to 65 years 30 days, 60 days or 90 days
      Star Women Care Insurance Plan 5 lakh to 1 crore 18 to 75 years 2 years

      Inclusions of Health Insurance for Women

      Most health insurance plans for women provide coverage for the following:

      • Maternity expenses
      • Cancer care booster/ cancer cover
      • In-patient care
      • Pre-natal & post-natal expenses
      • Newborn baby cover
      • Newborn baby birth defects
      • Pre and post-hospitalization expenses
      • Emergency road ambulance charges
      • Critical illness cover
      • Antenatal care
      • Miscarriage and medical termination of pregnancy
      • Voluntary sterilization
      • Loss of job
      • Bariatric surgery
      • OPD treatment
      • Preventive screening and assessment
      • E-medical second opinion
      • Preventive health check-ups

      Exclusions of Health Insurance for Women

      The following expenses are excluded under the best health insurance policy for women:

      • Sexually transmitted diseases
      • Domiciliary hospitalization
      • Intentional self-injury
      • Overuse of drugs or alcohol
      • Injuries due to adventure/hazardous sports
      • Venereal diseases
      • Treatment taken outside India

      Best Health Insurance for Women in India

      1. Bajaj Allianz Women Specific Critical Illness Plan

        The Bajaj Allianz Women Specific Critical Illness plan provides financial protection against 8 critical illnesses to which women are more vulnerable. This Bajaj Allianz health insurance plan can be purchased by a woman and can be extended to cover sister, mother and mother-in-law of the policyholder.

        Features & Benefits:

        • Coverage for breast cancer, vaginal cancer, ovarian cancer, fallopian tube cancer, and uterine/cervical cancer are available
        • Multi-trauma, permanent paralysis of limbs and burns are covered
        • Children education bonus and loss of job cover are available
        • Congenital disabilities, including Down's syndrome, spina bifida, congenital cyanotic heart disease and cleft palate with/without a cleft lip, are covered
        • No pre-policy check-up is required for up to 40 years
        • A survival period of 30 days is applicable
      2. Care Joy Maternity Insurance Plan

        The Care Joy Maternity Insurance plan provides comprehensive coverage for hospitalization and maternity expenses along with the treatment of a newborn baby. This Care health insurance plan is available in two variants – Joy Today and Joy Tomorrow.

        Features & Benefits:

        • Delivery expenses, including pre-natal and post-natal expenses, are covered
        • Coverage for newborn baby treatment and birth defects, such as cerebral palsy and Down Syndrome, are available
        • In-patient hospitalization, day care treatment and ambulance charges are covered
        • Coverage for modern treatments and pre-post hospitalization expenses are available
        • No pre-policy medical check-up is required for up to 45 years
      3. Future Generali Health POWHER Plan

        Future Generali Health POWHER is a women insurance plan tailor-made to cover health issues specific to women. This Future Generali health insurance plan has three variants – Essential, Advance and Supreme.

        Features & Benefits:

        • Coverage for maternity expenses, infertility expenses and voluntary sterilization are available
        • Newborn baby treatment, birth defects, vaccination and stem cell storage are covered
        • Cancer care booster, senior care, puberty & menopause disorders and preventive care benefit are available
        • Pre-post-natal expenses, antenatal care, miscarriage and medical termination of pregnancy are covered
        • In-patient care, OPD treatment, home healthcare and alternative treatments are available
        • Cosmetic/plastic surgery, bariatric surgery and cataract surgery are covered
        • Critical illness cover, personal accident cover and voluntary co-payment are available
      4. HDFC ERGO my:health Women Suraksha Plan

        HDFC ERGO my:health Women Suraksha is a women health insurance policy that provides comprehensive cover for 41 listed critical illness/cancer, cardiac illness/procedure, major illness and surgical procedures catering to the special needs of women. This HDFC ERGO health insurance policy comes in six variants – Women Cancer, Women Cancer Plus, Women Cardiac, Women CI Essential, Women CI Comprehensive and Women Assault & Burns.

        Features & Benefits:

        • Major illnesses, surgical procedures and cardiac ailments and procedures are covered
        • Cancer cover, critical illness cover and assault & burn injury cover are available
        • Reduced premium benefit, preventive health check-ups and health & wellness coach are available
        • Pregnancy complications, newborn complications, post-diagnosis support and loss of job are available as optional covers
        • A survival period of 7 days is applicable
      5. ICICI Lombard Women Cancer Shield Plan

        ICICI Lombard Women Cancer Shield plan provides financial assistance to insured women to cover the cost of cancer treatment. This ICICI Lombard health insurance policy pays a lump sum amount upon the first diagnosis of cancer.

        Features & Benefits:

        • Coverage for breast cancer, cervical cancer, vaginal cancer and thyroid cancer are available
        • Ovarian cancer, fallopian cancer, uterine/endometrial cancer and cancer of the vulva are covered
        • Preventive screening & assessment and teleconsultation are covered as optional covers
      6. Star Women Care Insurance Plan

        The Star Women Care Insurance plan offers comprehensive coverage to women against hospitalization and maternity-related expenses. This Star health insurance policy can also be purchased by women who are already pregnant.

        Features & Benefits:

        • Coverage for delivery expenses, assisted reproductive treatment, and in utero fetal surgery/repair are available
        • Ante-natal care, accidental miscarriage and voluntary sterilization are covered
        • Star mother cover and rehabilitation & pain management are available
        • Newborn baby expenses, including vaccination expenses, metabolic screening and paediatric consultation, are covered
        • Coverage for hospitalization expenses, ambulance charges, OPD treatment and AYUSH treatment are available
        • Preventive health check-ups, automatic restoration of the sum insured and cumulative bonus are available
        • Lumpsum on diagnosis of cancer cover is available as an optional cover
        • No pre-acceptance medical screening is required

      FAQs

      • Q1. Which insurance policy is best for women?

        Ans: Finding the best health insurance for women depends on their health needs and budget. No single health policy is the best for all women in India. While one policy may be perfect for one woman, it may not suit others. Hence, you must compare different women’s health insurance plans to find the one that best suits your health needs.
      • Q2. Can a housewife take health insurance?

        Ans: Yes. All housewives can buy medical insurance for women.
      • Q3. Why do women need health insurance?

        Ans: Women have separate health needs from men. They can face different medical problems at various stages of their lives and encounter age-related diseases as they grow old. By buying a health insurance policy for women, females can get financial support to cover women-specific health issues, such as gynaecological concerns and osteoarthritis, that may not be covered by regular health plans.
      • Q4. Does women health insurance cover maternity?

        Ans: Most health insurance plans for women cover maternity expenses.
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      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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