We have specific health insurance policies for everyone: young children, working men, or senior citizens. However, compared to other countries, we somehow lag behind them in providing women-specific health insurance coverage.
Although women's health insurance may be a problem in India, there is good news: more and more health insurance providers are developing incredible programs for women. Pregnancy, childbirth, and associated coverage are the main areas of focus for these plans, which were created with consideration of the health concerns and needs of women. These covers protect against illnesses that women are more likely to contract as they age.
Some top women's health insurance plans in India are shown below. Here you can get detailed information about each of these health insurance plans. Some of them are dedicated plans for women, while others are not but can be beneficial for them.
Tata AIG Wellsurance Woman Policy
Tata AIG General Insurance Company Limited's Wellsurance Woman Policy is a fixed-benefit health insurance plan created specifically for women with medical situations. The policy provides coverage for women between 18 and 65. The policy is available in three variations: Classic, Supreme, and Elite. Each variation has a different choice of the maximum sum insured and a set of coverage options. The policy provides coverage for 11 critical illnesses, daily cash advantage, cosmetic reconstruction surgeries if brought on by a covered accident, a convalescence benefit for post-hospitalisation care, ambulance costs, etc.
Joy Policy by Care Health Insurance
A maternity-focused health insurance plan, Joy Policy is provided by Care Health Insurance and covers people from the first day of life until age 65. The policy is available in two variations, Joy Today and Joy Tomorrow, with several possibilities for the sum insured, ranging from INR 3 lakh to 5 lakh. Maternity cover stands at INR 35,000 and INR 50,000 for a sum insured of INR 3 lakh and INR 5 lakh, respectively. You may combine two adults and two dependent children to a maximum of four members if the policy is acquired on a floater basis. Besides maternity coverage, the plan includes ambulance coverage, pre and post-hospitalisation costs, newborn baby coverage, maternity coverage, coverage for daycare procedures, etc.
My:Health Suraksha Plan by HDFC ERGO
My: Health Suraksha Plan is a comprehensive health insurance coverage that offers three varieties: Silver Smart, Gold Smart, and Platinum Smart. The policy provides lifelong renewability benefits and protects people of all ages. It provides additional features for parents and childcare cover-booster, non-medical costs cover, a cumulative bonus, and a room rent adjustment option.
Bajaj Allianz Women Specific Critical Illness Policy
Women's Specific Critical Illness Insurance plan provided by Bajaj Allianz General Insurance is another well-liked women's-specific health insurance plan. It has a low premium, making it a popular option for many women. When a critical disease is initially diagnosed, the insurance policy pays you 100% of the amount insured. Breast cancer, burns, fallopian tube cancer, cervical cancer, etc., are a few critical conditions that the plan will pay for. You can also receive a child education bonus of up to INR 25,000 for one or more children combined, a congenital impairment payout of 50% of the insured amount, coverage for job loss if the insured loses their job within three months of a diagnosis, and other advantages from the insurance.
Royal Sundaram Total Health Advantage
Total Health Advantage Insurance, designed for individuals and families, offers several features at a reasonable rate. The policy provides sum insured options between INR 2 lakh and 20 lakh. For policy terms of 1 and 2 years, the policy is available in three variants: Silver, Gold, and Platinum. The plan also provides coverage for your spouse and dependent children. In addition, you can receive maternity benefits worth up to 10% of the insured amount but no more than INR 20,000.
National Mediclaim Plus
A comprehensive health insurance plan, National Mediclaim Plus Health Insurance provides you, your spouse, dependent children and your parents with total financial security during a medical emergency. This policy covers pre and post-hospitalisation costs, maternity and newborn expenses, air ambulance costs, children's vaccinations, more than 140 day care procedures, in-patient hospitalisation costs, AYUSH treatment costs, and more. Additionally, the policy includes add-on benefits for outpatient medical bills and critical illness costs.
ICICI Lombard Complete Health Insurance
Complete Health Insurance seeks to offer protection for you and your family under a single insured amount. If covered by this policy, you may be eligible for several benefits, including pre-and post-hospitalisation costs, coverage for daycare, in-patient hospitalisation costs, health checkups, etc. Additionally, you can choose an add-on benefit or benefits to get more coverage. For instance, hospital daily cash coverage, convalescence benefit, outpatient coverage, maternity benefit, newborn infant coverage, wellness and preventative healthcare, critical illness coverage, and donor costs.
Aditya Birla Activ Health Enhanced Plan
You may want to consider purchasing Activ Health Enhanced Plan if you're looking for a trustworthy health insurance option for women. The policy provides extensive coverage for the amount insured options starting with INR 2 lakh and going up to INR 2 crore. The excellent feature is that this policy has no maximum entry age restriction, and the primary entry age is 91 days. The policy provides many advantages to women. Rewards for maintaining a healthy lifestyle, pre-and post-hospitalisation costs, coverage for daycare treatments, road ambulance costs, in-patient hospitalisation costs, health screening, costs associated with organ harvesting, second opinions in the event of a critical illness, etc., are a few of them. The insurance plan has add-on offers, including deductibles, OPD costs, hospital cash benefits, and maternity costs, which you may add for an additional fee to have more comprehensive coverage.
ManipalCigna ProHealth Insurance
You have total protection against medical crises with the Pro Health Insurance plan. The excellent thing is that this policy has no maximum entry age restriction, and the minimum entry age is 91 days. Under this policy, you can choose a sum insured amount with a range of INR 2.5 lakh to 1 crore for 1 year, 2 years, or 3 years. It is offered in 5 variations, with various coverage features and insured amounts. In-patient hospitalisation charges, pre and post-hospitalisation expenses, second opinions, maternity and infant expenses, childcare treatments, organ donation expenses, domiciliary expenses, and other perks are some offered benefits under the policy.
Reliance Health Gain
Another well-liked health insurance plan for women is the Health Gain Policy, which provides them with several advantages and deals. The plan offers sum insured options from INR 3 lakh to 18 lakh, and it can cover individuals between the ages of 91 days and 65 years. You can receive some benefits from the policy for a reasonable premium. Call option benefits, online wellness solutions, a cumulative bonus, reinstatement of base sum insured, and claim service assurance are a few of them.
Conclusion
Here are the top 10 women-specific health insurance options available today. It would help if you considered a few variables to choose which of them is the best decision for you.
