Top Health Insurance Plans for Women in India: Benefits , Features and Plans

Having health insurance regardless of gender is essential. However, gender plays a key role in health insurance with the introduction of varied gender-specific plans. The plans mentioned in this article reflect on how the problems related to lifestyle changes are also covered. A woman's body goes through different stages of change, for example, puberty, excessive hormonal changes, pregnancy, child care, and breastfeeding. Hence taking care of a woman’s health and her wellbeing should also be taken into consideration. Keeping in mind the health issues occurring to women today like thyroid, uterus cancer, fibroids, breast cancer, PCOD, and cervical cancer, it becomes all the more crucial for a woman to have health insurance so that she does not have to worry financially and can focus on her recovery. [1]

Need for Health Insurance For Women

The need for health insurance for women is crucial as a woman goes through varied medical issues and stages. These are a few important needs to consider:-

• Gynecological concerns:- If a woman has a few gynecological concerns like PCOD, PCOS, pregnancy-related issues, cysts, etc. These concerns are critical and can be very complicated needing treatment or check-ups at any sudden time. These concerns are covered in the health insurance for women. The cost, treatment, surgeries, and diagnosis can be a worry for anyone, having insurance will help the member focus on their health rather than spend the time worrying.
  
  
• Critical Illness:- Illnesses like cervical, ovarian, and breast cancer, cyst or uterus removal, etc. are draining financially, physically, emotionally, and mentally. Health insurance, however, lends a hand financially which is a major burden with these treatments involving diagnosis, check-ups, chemotherapy, medicines, surgery, etc. All the costs also depend on the stage of the cancer or the urgency of a certain surgery. Pre- and post-op care is also included in the critical illness health insurance plans helping the beneficiary recover to their fullest. If they have insurance the member can solely focus on their recovery rather than worrying about the money aspect of things.
  
  
• Annual check-ups:- Every woman needs annual check-ups for their gynecological or any other medical concerns and that is also covered in major health insurance plans. 
  
  
• Lifestyle Changes:- With lifestyle changes like, food consumption, alcohol, smoking, sleeping issues, physical inactivity, mental illness, etc. are also leading causes of several new lifestyle-related health problems. Having adapted to the changes brings about these problems which are covered under health insurance reducing any financial burden.
  
  
• Rising concerns of women’s health:- Women now suffer from additional concerns which were minimal earlier, it also raises the importance of having health insurance. A few issues are, PCOD, obesity, thyroid, fibroids, anxiety, depression, hypertension, etc.  All these medical problems are covered under the women’s health insurance easing the burden.

Top 5 Women's Health Insurance Plans

The following are the best 5 women’s health insurance plans catering to the varied health needs of a woman:-

1. Star Women Care Insurance Policy

This insurance plan is a family floater plan that also covers other members of her family. This Star health Insurance plan can cover a woman’s spouse, a newborn baby, and a legally adopted child. This plan is one of the most sought-after plans as it gives additional benefits such as a wellness program, which includes wellness activities for members to prevent any medical needs; a special feature of this policy is consultation with doctors through calls, video calls, and chats messages, Insurance Dekho helps the member connect and get any query about their policy resolved through our advisors.  Star Women Care Insurance Policy is one of the best insurance plans as it provides additional benefits making life easier and stress-free.[2]

2. Niva Bupa Aspire

This insurance plan covers a woman’s legal family members, newborn babies, and adopted children, and also has maternity health insurance benefits, etc. This plan has a fast-forward option where the sum of 2-3 years can be insured under the multi-year policy which is a new and unique feature. This Niva Bupa health insurance has a feature that the claim money up to Rs1,00,000 is covered even during inflation. Accidents resulting in death, paralysis, or disability get a coverage of 5 times base insured up to 1 crore. The waiting periods served by the member will be carried forward to the spouse. Hospitalization of 24 hours covers costs up to Rs.4,000 in this plan. All these benefits make Niva Bupa Aspire health insurance worth purchasing.[3

3. Reliance Health Infinity

Reliance Health Infinity Insurance is yet another family floater insurance plan. It includes many benefits that make it one of the best women's health insurance such as global consultation, adopted children covered, emergency ambulance costs, etc. It is yet another insurance that is floater-based. It covers legal spouses, legal children, and adopted children. Ambulance costs of both air and road support are provided in this health plan during emergencies. All the modern treatments including radiology, hypertension, depression, etc. are also a part of this Reliance health insurance making it valuable and all the government-approved AYUSH treatments are also included. [4]

4. Star Assure Health Insurance

This is another insurance by Star that has many benefits as well such as emergency road ambulance, compassionate travel, etc. This health insurance also provides treatment for chronic severe refractory asthma and pain management which helps a beneficiary mentally and financially. In Star Assure health insurance plan the member with the age 60 or above also has access to co-payment. A wellness program is a part of this health insurance, preventing members from any medical problems. Organ donation is also included in this plan. A special feature is covered in this plan in Utero Fetal Surgery which is very crucial.[5]

5. ICICI Health AdvantEdge

ICICI Lombard health advantedge plan has many benefits. It is a family floater health insurance covering legal spouses, children, and adopted children. Global consultation is provided under this policy where a member has access to doctors around the world through chats, phone calls, and video calls. Access to e-medicine is also granted in this insurance making it easier for the beneficiary to get their medication if they have no one to depend on. A claim protector is also included in this ICICI Lombard health insurance policy. Benefits such as pneumococcal vaccine up to 1.5%, animal bite vaccine, personal accident, etc are compensated under this health insurance. An option of co-payment from 10%-20% is also available under this health insurance plan with an additional benefit of health assistance service.[6]

Inclusion and Exclusion in Top Women's Health Insurance Plans

Here’s a quick comparison table on what’s covered under each plan:

Conclusion

Having health insurance as a woman is very important with all the lifestyle changes. Every woman is going through problems that cause worry and burden which is resolved if they have health insurance. Health insurance will reassure all the members and any citizen willing to purchase a new policy financially. Having health insurance will lessen the burden and they can focus on their quality lives.

References

• [1] https://www.insurancedekho.com/health-insurance/plans/women
• [2] https://www.starhealth.in/health-insurance/women-care/
• [3] https://www.nivabupa.com/health-insurance-plan/aspire
• [4] https://healthstatic.insurancedekho.com/prod/planpdf/20200602202935.pdf 
• [5]https://web.starhealth.in/sites/default/files/brochure/StarHealthAssureInsurancePolicy-Brochure.pdf
• [6]https://www.icicilombard.com/docs/default-source/default-document-library/health-advantage-apex-plus-brochure.pdf?sfvrsn=39fd6bd6_0

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