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Why Do Women Need Term Insurance With Critical Illness Cover?

Term insurance not only secures the financial future of your loved ones in case of your unfortunate demise but also can help you take care of the financial implications of being diagnosed with a critical illness. One of the most common critical illnesses among Indian women is cancer, with over 50% of the total cancer patients being women. Term insurance with critical illness cover can help you pay for these expensive treatments, maintain financial stability, and help you recover in peace. 

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What is Term Insurance With Women-specific Critical Illnesses?

Term insurance for women is a type of life insurance that provides comprehensive coverage at affordable premiums for a long policy term. They also offer the option of enhancing the cover as per your requirements through riders. One such rider that provides coverage against a variety of life-threatening diseases is a critical illness rider. With critical illness riders, females can get coverage against not only common illnesses like kidney dialysis, heart attacks, or strokes but also against women-specific illnesses like breast and cervical cancers. 

These riders are available at nominal premiums that can be paid along with the base premiums and provide coverage for the entire policy term. This rider provides coverage against illnesses that are common across all genders, like kidney failure and heart attack, as well as against women-specific illnesses, like fallopian and ovarian cancers. With this rider, in case the female policyholder is diagnosed with any of the covered illnesses, she will receive the rider sum assured to take care of the hospital bills, medical expenses, and treatment costs. 

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Need of Term Insurance for Women With Critical Illness Cover

Women or females need term insurance with critical illness riders attached to the base plan because of the comprehensive coverage these riders provide against women-specific illnesses. With breast, cervical, and ovarian cancers being one of the biggest contributors of cancers in Indian women, having term insurance with critical illness rider that provides coverage against these women-specific cancers is necessary. Women of all backgrounds, whether working women, or single mothers, can pay for their treatment using the payout received. Not only that, but women can also benefit by buying a term insurance as they can secure a large life cover at budget-friendly premiums that are up to 30% more affordable than term insurance for males. 

Best Term Insurance Plans with Critical Illness Cover for Women

Here is a list of the best term insurance plans offered by Indian insurers that provide coverage against the most common women-specific cancers:

Term Insurance for Women Entry Age (Min - Max) Maturity Age (Maximum) No. of Illnesses Covered Cancer Stage Coverage 
Max Life Smart Secure Plus 18 - 60 years 85 years 64 Minor: 25% of Rider SA or 5 Lacs
Major: 100% Rider SA - Minor payout (if any)
ICICI Pru iProtect Smart 18 - 65 years 99 years 34 Minor: N/A
Major: 100% of Rider SA
ICICI Pru iProtect Smart ROP 18 - 60 years 85 years 64  Minor: 25% of Rider SA or 5 Lacs
Major: 100% Rider SA
HDFC Click 2 Protect Super 18 - 65 years 65 years 19 Minor: N/A
Major: 100% Rider SA
HDFC Click 2 Protect Life - - 19 Minor: N/A
Major: 100% Rider SA

* All the plans listed above cover the major 3 women-specific cancers: cervical, ovarian, and breast cancers.

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How Does the Term Insurance with Critical Illness Rider Work?

Let us understand this with an example:

Suppose Tara purchased a 1 crore term insurance with a critical illness rider of 25 Lacs included in the base plan. Tara regularly paid her premiums and, in the 6th policy year, was diagnosed with cervical cancer. Since the policy covered female cancers, Tara was able to receive the 25 Lacs rider amount and pay for the treatment costs and recover peacefully. The policy pays the rider sum assured and continues as normal for the remaining policy term.

What are the Women-specific Cancers Covered in Term Insurance?

A critical illness rider in term insurance covers all the regular life-threatening illnesses like open chest CABG, aplastic anaemia, and end-stage lung failure. But along with the usually covered critical illnesses, term insurance with critical illness also covers the following types of cancers, common among women:

  • Breast Cancer

  • Cervical Cancer

  • Ovarian Cancer

  • Fallopian Cancer

Who Can Benefit From Term Plan with Critical Illnesses for Women Cover?

  • Working Women: Working women today take care of everything, from family’s financial needs to child’s fees. This leaves working women with not enough money to fund their medical needs. Therefore, term insurance with cancer cover may help her pay the bills in her time of need.

  • Businesswomen: Businesswomen or self-employed women often have unstable incomes and might not have enough savings to cover the hefty medical bills cancer treatment may cost. In such cases, term insurance for self-employed can help females cover their financial needs in times of crisis.

  • Single/Unmarried Women: Single women who do not have a spouse or partner to rely on for financial support may find critical illness riders particularly useful. These policies can provide a lump-sum payment upon the diagnosis of a covered illness, helping them cover medical expenses, rehabilitation costs, or any other financial obligations they may have. Moreover, in the event of a critical illness diagnosis, the lump-sum payment can be used to provide for their dependents' needs.

How To Buy Term Insurance with Critical Illness Cover?

Here is how you can buy term insurance with critical illness coverage specific for women:

  • Step 1: Visit the term insurance page

  • Step 2: Fill in the required details regarding your name, gender, date of birth, and phone number

  • Step 3: Enter your smoking habits, educational background, annual income, and occupation type

  • Step 4: Select the most suitable plan that offers term insurance with critical illness cover

FAQ's

  • When is the right age to buy term insurance with cancer cover?

    Ans: The right age to buy term insurance with cancer cover is as early as possible. This is because you can be diagnosed with a critical illness like cancer of various severity at any time, and term insurance can payout the rider sum assured to help take care of the medical bills and treatment expenses.
  • Should I get a term insurance with critical illness cover on top of my health insurance?

    Ans: Yes, you should get a term insurance with critical illness cover on top of your health insurance because the health insurance will take care of the treatment costs, but you might need more financial benefits to help take care of the monthly expenses in case you lose your job due to the critical illness.

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