At a certain age, usually after 40, women are likely to catch various health issues such as breast cancer, arthritis, etc. These issues require urgent medical assistance and, hence, lots of money. To meet such expenses, women need to have a health insurance policy. There are various companies offering health insurance plans for women in India which cover all women-related medical issues.
Let’s discuss what is Women’s health insurance plans in India, many other aspects of these insurance policies, and the Best Health Insurance Plans for Women in India.
Health Insurance for Women in India
Health insurance for women in India is a unique plan offering women-centric coverage. It covers various issue health issues of women, such as physical, mental, and reproductive disorders.
Maternity benefits typically cover pre- and post-natal expenses, including hospitalization, delivery, and post-delivery care. Gynecological conditions may encompass treatments like hysterectomy, fibroid removal, and other related procedures. Additionally, health insurance for women often includes coverage for preventive check-ups, contraceptive measures, and vaccinations.
Insurance providers may also offer coverage for common female-centric cancers, like breast and cervical cancer. These plans often emphasize Early detection and treatment to promote better health outcomes. Women in India are encouraged to explore various health insurance options available to choose a plan that aligns with their healthcare needs and financial capabilities, ensuring comprehensive coverage for their well-being.
Also read: Top 10 Best Health Insurance Plans in India
5 Best Health Insurance Plans for Women in India 2024
Here is the list of the top 5 health insurance plans for women in India with essential details:
| Health Insurance Plan For Women In India | Sum Assured | Coverage | Maternity waiting time |
| Bajaj Allianz Women Specific critical illness plan | Rs. 50,000 – 2,00,000 | · Breast cancer, ovarian cancer, vaginal cancer, etc.
· Congenital disability, including Down syndrome |
NA |
| Care Joy maternity insurance plan | Rs. 3,00,000- 5,00,000 | · Maternity
· Newborn baby · Hospitalization · Newborn defects such as cerebral palsy and Down syndrome |
· Joy today – 90 months
· Joy tomorrow – 24 months |
| Star Women Care Insurance plan | Rs. 5,00,000 – 1 crore | · Delivery
· Accidental miscarriage · Newborn · Cancer · In Utero Fetal Surgery |
24 months For SA of Rs. 5 lacs – 10 lacs
12 months For SA of Rs. above 10 lacs |
| My: Health Women Suraksha | Rs. 3, 00,000 – 1 crore | Maternity
Preventive health checkups Cancer Other major illness |
NA |
| Cholamandalam Sarv Shakti plan | Upto Rs. 2 crore | Children Education
Vehicle loan protection Cancer 39 other illness
|
24 months |
Here, we will discuss all the 5 best health insurance plans for Women in India in detail:
1. Bajaj Allianz Women Specific critical illness plan
Bajaj Allianz Women Specific Critical Illness Plan is the Best Health Insurance Plan for Women in India, tailored to address women’s unique health risks. This Health Insurance for Women in India offers financial protection against critical illnesses like breast cancer, cervical cancer, and complications during childbirth.
Benefits and features:
- Premiums and Payments: Flexible premium payment options, which can be paid on a monthly, quarterly, half-yearly, or annual basis.
- Survival Period: A specified period that the insured must survive after diagnosing a critical illness to be eligible for the claim payout.
- Policy Term: Generally, it offers a fixed policy term, after which the policy can be renewed based on terms and conditions.
- Exclusions: Specific exclusions, like pre-existing conditions and waiting periods, should be understood thoroughly before purchasing the policy.
Eligibility details:
| Categories | Eligibility |
| Entry Age | 21 years to 65 Year |
| Coverage type | Individual |
| Renewability | Lifetime |
2. Care Joy Maternity Insurance Plan
It covers complications during pregnancy and newborn-related medical needs. The plan ensures financial support and peace of mind during this crucial phase, aiding in the policyholder’s smooth and stress-free maternity journey.
Benefits and features:
- Prenatal Care Coverage: Comprehensive coverage for prenatal check-ups, consultations, tests, and screenings during pregnancy.
- Hospitalization Expenses: Covers hospitalization costs related to delivery, including room charges, medical procedures, and doctor’s fees.
- Postnatal Care: Includes coverage for postnatal care, consultations, and necessary follow-up treatments after childbirth.
- Newborn Care: Covers medical expenses for the newborn, ensuring necessary care and treatments in the initial days after birth.
Eligibility details:
| Categories | Eligibility |
| Entry Age | Adults – 18 years to 65 years
45 years for maternity plan
Children – 1 day to 24 years 90 days for newborn |
| Coverage type | Individual / Family floater |
| Renewability | Lifetime |
3. Star women care insurance plan
Star Women Care Insurance Plan is a specialized insurance offering tailored to address the unique health needs of women. The Health Insurance for Women in India covers critical illnesses like breast cancer, cervical cancer, and pregnancy complications.
Benefits and features:
- Newborn Baby Coverage: This health insurance plan for women covers medical expenses for the newborn baby, supporting their initial healthcare needs.
- Health Support Services: Access to health support services, second opinion services, and wellness programs to support overall health and well-being.
- Policy Term Options: Flexibility in choosing policy terms that suit individual preferences and requirements.
- Premium Flexibility: Flexible premium payment options allow the policyholder to choose the mode and frequency of premium payments.
Eligibility details:
| Categories | Eligibility |
| Entry Age | Adults – 18 years to 75 years
Children – 91 days to 25 years 30 years for unmarried and unemployed daughters |
| Coverage type | Individual / Family floater |
| Renewability | Lifetime |
4. My Health Women Suraksha
The policy ensures financial protection by providing a lump sum payout upon diagnosis, aiding in medical treatments and additional expenses. Focusing on women’s health offers peace of mind, empowering them to face health challenges with confidence.
Benefits and features:
- Health Support Services: Access to health support services, second opinion consultations, and wellness programs for overall health and wellbeing.
- Flexible Premium Options: Options for flexible premium payments to suit individual financial preferences.
- Policy Term Choices: Flexibility to choose a policy term that aligns with the policyholder’s requirements and preferences.
- Waiting Periods and Survival Periods: A clear understanding of waiting and survival periods required to avail specific benefits.
Eligibility details:
| Categories | Eligibility |
| Entry Age | 18 years to 65 Year |
| Coverage type | Individual/ family floater |
| Renewability | Lifetime |
5. Cholamandalam Sarv Shakti Plan
The Health Insurance for Women in India covers cancer and 39 other ailments, supports your children’s education during your recovery, reimburses domestic help costs, and offers EMI protection, vehicle loan coverage, and EMI coverage if you face job loss as a working woman. Additionally, you can opt for a sum insured of up to Rs 2 crores, covering contingencies such as Personal Accident. The policy offers flexibility in choosing Policy Tenure and Premium Payment according to your preferences.
Benefits and features:
- No pre-policy health check-up: It is needed for most Cholamandalam health plans for individuals up to 45 years of age.
- Road traffic accident claims: In case of road traffic accident claims, policyholders are eligible for an extra sum insured once during the policy term.
- Speedy claims processing: Cholamandalam is the best health insurance plan for women in India that ensures claims processing with 90% of cashless claims settled within just 45 minutes.
- Tax benefits: Policyholders can enjoy tax benefits on premiums paid for Cholamandalam health insurance policies under section 80D of the Income Tax Act.”
Eligibility details:
| Categories | Eligibility |
| Entry Age | 18 years to 65 Year |
| Coverage type | Individual |
| Renewability | Lifetime |
Benefits of Women’s Health Insurance Plans in India
Women’s health insurance plans in India provide specialized coverage and benefits tailored to meet the unique healthcare needs and challenges women face. Here are the key benefits of Health Insurance for Women in India:
- Maternity Coverage: Comprehensive coverage for maternity-related expenses, including pre and postnatal care, delivery costs, and even complications during pregnancy.
- Critical Illness Coverage: Specialized coverage for critical illnesses specific to women, such as breast cancer, cervical cancer, ovarian cancer, and complications arising from these conditions.
- Preventive Healthcare: Emphasis on preventive healthcare with regular check-ups, screenings, and consultations to detect potential health issues early.
- Newborn Baby Coverage: The Health Insurance For Women In India has the Provision for covering medical expenses of newborns, ensuring they receive essential healthcare right from the start.
- Wellness and Health Support: Access to wellness programs, health consultations, and second opinion services promoting overall well-being and health maintenance.
- Lump Sum Payouts: Lump sum payments upon diagnosis of critical illnesses, providing financial support for treatments, medications, and lifestyle adjustments.
- Hospitalization and Surgical Expenses: Coverage for hospitalization, surgeries, and associated medical costs, including room charges, doctor fees, and surgical procedures.
- Tax Benefits: Tax deductions under Section 80D of the Income Tax Act for the premiums paid towards women’s health insurance policies.
- Additional Riders: Health Insurance for Women in India offers Optional riders like accidental coverage, accidental disability, or loss of income due to illness or accident, enhancing the coverage based on individual needs.
- Financial Security and Peace of Mind: Ensures financial security and peace of mind during health crises, allowing women to focus on their recovery without worrying about financial burdens.
Also read: Health Insurance For Diabetic Patients: 5 Factors to Consider
Things to Consider While Buying Health Insurance Plan for Women in India
When buying health insurance for women in India, it’s essential to consider several factors to ensure you get comprehensive coverage that meets your specific needs.
- Coverage for Critical Illnesses: Look for policies that offer coverage for critical illnesses more common among women, such as breast cancer, cervical cancer, and maternity-related complications.
- Maternity Coverage: If you plan to start a family or already have children, choose Health Insurance for Women in India, which provides comprehensive maternity coverage, including prenatal and postnatal care, delivery expenses, and newborn baby coverage.
- Network of Hospitals: Ensure the insurance provider has a vast network of hospitals and healthcare providers in your area to avail cashless facilities and quality healthcare services.
- Pre-existing Conditions: Check the policy’s stance on pre-existing conditions, as some policies may have waiting periods or exclusions for specific conditions.
- Waiting Periods: Understand the waiting periods for specific treatments, surgeries, or maternity coverage to avoid unexpected delays in accessing benefits.
What is Covered in Health Insurance Plans for Women in India
- Maternity/ Pregnancy coverage
- Pre and Post hospitalization
- Daycare treatments
- Domiciliary hospitalization
- No claim bonus
What is not Covered in Health Insurance Plans for Women in India
- Cosmetic surgery
- Dental, hearing, and vision
- Congenital diseases
- STDs
Conclusion
Women form a vital component of every family. It becomes the duty of each caring husband, son, and daughter to prioritize the well-being of their wives and mothers. Opting for a well-suited Health Insurance for Women in India designed for women can significantly contribute to effectively addressing the healthcare requirements of the women in your household. Take your time; compare quotations and select the most suitable health insurance plan for the women in your life today!
Health Insurance Plans for Women in India – FAQs
Is Health Insurance Policy applicable in India?
Ans. Read your health insurance plan details carefully before enrolling in India. Preparedness is vital for unexpected medical emergencies.
How does a Health Insurance Plan for Women in India handle unforeseen medical expenses?
Ans. Choose cashless payment for instant hospital coverage or medical expense reimbursement from your health insurance.
Will a woman be eligible for tax advantages if she buys women’s health insurance plans in India?
Ans. You must purchase health insurance to benefit from tax deductions under Section 80D of the Income Tax Act 1961.
Can I purchase women’s health insurance online?
Ans. It is possible to purchase women’s health insurance online through insurance websites.
Is purchasing a Health Insurance Plan for Women in India worthwhile?
Ans. Health Insurance Plan for Women in India is essential for covering medical costs. Health insurance has become a requirement for everyone due to the escalating expense of private healthcare.
