Health Insurance Plans for Women

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 a good 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 medical insurance:

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

List of Health Insurance Plans for Women in India

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

*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

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 most health insurance plans 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

List of Health Insurance Plans 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

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