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Best Health Insurance Policies For Women In India

Published On Feb 17, 2021, Updated On May 11, 2021

Health insurance policies are meant for everyone, but, until very recently, it was held that health insurance policies were only required by the earning member of the family, or men. Such a perception is fast changing and the role of women in being the primary breadwinner of their families has come to be acknowledged. Nowadays, health insurance companies are offering insurance policies specifically earmarked for women.

Yet it would be wrong to assume that health insurance policies can only be availed by working men and women. Homemakers are also eligible beneficiaries of health insurance policies and it is no doubt a welcome change.

Best Health Insurance Policies For Women In India

Benefits of A Women Health Insurance Plan

The following are a list of things that you need to know about health insurance policies that have been specifically designed for women -

1.Financial Security 

Women require health insurance as much as men do and if they are the principal breadwinner of their family, a health insurance policy acts as a pillar of financial security to them. They can be assured of a strong monetary backup in case of being diagnosed with a critical illness or unfortunately, meeting with an accident. Diseases and unforeseen circumstances can arrive unannounced in anyone’s life and having a health insurance policy is one of the first steps to securing a medical emergency.

2.Coverage of Women Specific Illnesses 

While it is true that diseases do not differentiate between men and women, we cannot deny the physiological differences between the two and the susceptibility of certain specific diseases in women by dint of their biological makeup. It has been found that women are prone to certain ailments such as arthritis and osteoporosis and other orthopaedic disorders in comparison to men after the age of 40 years. Health insurance policies for women specifically offer coverage against these kinds of critical illnesses that seek to protect their physical and financial well being at the same time.

3.Coverage for Pregnancy Disorders 

Pregnancy is a key issue in everybody’s lives, but health risks are higher in women. Our present lifestyles that run on a high dose of stress and tension, pregnancy related problems are common in women. Health insurance policies designed for women, effectively cover the diagnosis, consultation and in some cases also cover post-partum medical expenses, cardiovascular diseases and other chronic illnesses resulting from pregnancy disorders.

4.Comprehensive Coverage 

Earlier, health insurance plans covered women only as a secondary life insured or as a dependant under their spouse’s insurance plan. But, nowadays, most health insurance plans designed for women are found as part of a group insurance plan as well as an individual health insurance plan. You should look for these features in a health insurance policy that includes critical illnesses and maternity benefits for women.

5.Maternity Benefit 

Health insurance policies for women effectively cover the maternity costs related with pregnancy. With rising costs of medical check ups, tests and consultation fees, this feature found in most health insurance plans for women effectively cover the high finances involved during and after the entire pregnancy and maternity period for women. It thereby augments their financial capacity and ensures all round well being.

Now, let us look at some of the top health insurance plans for women in India -

Best Health Insurance Plans For Women in India

The following are a list of some of the best health insurance plans for women in India -

1.Bajaj Allianz Women Specific Critical Illness Insurance Plan 

The Bajaj Allianz Women Specific Critical Illness Insurance Plan provides financial protection against 8 critical illnesses to which women are more susceptible. The plan comes with a cancer coverage option that offers a guaranteed sum assured to the nominee of the policyholder in case she is diagnosed by either breast cancer, cervical cancer, paralysis or burns. This plan is also designed to offer 50% of the sum assured to the policyholder as a congenital disorder benefit. The sum insured amount of this policy ranges between INR 50,000 to INR 2 Lakh and it offers a lump sum amount on diagnosis of any one of the specified diseases. Furthermore, it also offers a living benefit to women in case they lose their positions at work. Recognising women's roles as chief caregivers and primary breadwinners of their family, this health insurance plan ensures all around financial and medical protection.

2.TATA AIG Wellsurance Woman Health Insurance Plan 

The TATA AIG Wellsurance Woman Health Insurance Plan is an impressive plan that comes with a substantial critical illness coverage and a cashless hospitalization benefit in networked hospitals across India. Understanding the need for cash payments in times of a health emergency, this insurance policy offers a daily cash benefit as well. The policyholder can claim a convalescence benefit and post hospitalization consultation charges. The plan comes in three variants namely Classic, Supreme and Elite with ICU benefits corresponding with an ICU Benefit of INR 3000, INR 4500 and INR 6000 respectively. In terms of an accident benefit, this plan covers the costs of a cosmetic reconstruction surgery for the sustenance of and recovery from accidental injuries. This plan is a good option for women who are looking for a comprehensive health insurance policy.

3.Care Joy Maternity Health Insurance Plan 

The Care Joy Maternity Health Insurance Plan is a comprehensive plan that offers hospitalization charges and maternity expenses at the same time. The health insurance is available in two variants , namely, Joy Today and Joy Tomorrow. The sum insured amount for both the variants ranges from INR 3 Lakh to INR 5 Lakh. The initial waiting period for maternity benefits is 9 months. For the Joy Tomorrow variant, the maternity expenses are covered after a period of 24 months and it also seeks to cover any congenital disorder that the baby might be born with. Some of its other benefits include ICU charges, boarding, nursing, pre and post natal fees as well. The plan also pays for normal and cesarean delivery during pregnancy, postpartum care and vaccination drives. It is a good health insurance policy for women who are thinking of planning a family soon.

4.Reliance Health Gain Policy 

Reliance Health Gain Policy is a health insurance policy that can be availed as an individual floater option as well as a family floater option. Under this policy, the policyholder can receive cashless treatment benefits in network hospitals and it provides a 5% discount on the premium rate for single women. Unlike other policies, the policyholder can claim an organ donation benefit and receive 50% of the sum insured or a maximum amount of INR 5 Lakh. The policy also comes with a comprehensive cover that includes hospitalization charges that are restored upon exhaustion. The policy also comes with an easy installment feature for payment of premiums and someone who is looking for a robust health insurance policy against critical illnesses can easily purchase or invest in this plan.

Final Words

These are the best health insurance plans for women in India. Available in individual, family floater and group insurance options, these health insurance plans aim to offer medical and financial security to women who, for a long time, had been dependent upon the coverage of their spouses’ health insurance plans. It gives women financial security and all round health coverage as well. This lis is only suggestive and the plan that you choose will ultimately be contingent on your financial needs and requirements.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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