Health Insurance

Health Plans for Women in 2021

Nov 24, 2021

A health insurance plan is the right of every individual whether a child, man or woman. Health insurance coverage is a way to safeguard oneself against unexpected or unforeseen medical expenses. However, when it comes to securing oneself with health insurance, women do not have much choice. The healthcare needs of women are varied but women-specific plans choices are limited. 

Women’s healthcare needs are more complicated and they are more prone to health risks due to ageing, pregnancy, etc. thus the needs of women are different. So, it is important to avail a dedicated health insurance plan for women that cater to their healthcare needs. Here is a detailed list of some of the handpicked health plans for women in 2021.

Name of the Plan

Salient Features

Eligibility Criteria

TATA AIG Wellsurance Woman Policy

The plan offers superb benefits as under:

  • Critical Illness Benefit 
  • In-Hospital Benefit for Accident and Sickness
  • Intensive Care Unit Benefit
  • Convalescence Benefit covering post-hospitalization expenses
  • Covers the expenses of cosmetic reconstruction surgery arising out of accidental injury
  • Age at Entry: Minimum – 18 years, Maximum 65 years
  • Policy Tenure: 1 year
Bajaj Allianz Women Specific Critical Illness Insurance Plan

The plan is designed keeping in mind the financial and healthcare needs of women. The salient features of the plan are:

  • Offers coverage for 8 critical illnesses
  • Covers loss of job upon diagnosis of critical illness. The insurer provides INR 25,000 towards loss of employment provided claim for critical illness is paid under the policy
  • The insured is eligible to receive children education benefit up to INR 25,000 provided claim for critical illness is paid under the policy
  • Congenital disability benefit equivalent to 50% of the sum insured is paid if the female insured gives birth to a baby with a congenital disorder. 
  • Tax Saving Instrument as it allows you to save tax under Section 80D of the Income Tax Act
  • Age at Entry: Minimum – 21 years, Maximum 65 years
  • Policy Tenure: 1 year
Care Joy Maternity Health Insurance Policy

This insurance plan is specifically designed to meet the maternity needs of a woman. The salient features of the plan are:

  • Cover for the new-born
  • 100% increase in sum insured with NO CLAIM Bonanza
  • Offers insurance cover towards hospitalization expenses, ambulance charges, Pre and Post- Hospitalization cover, Daycare Treatment.
  • Single AC Private Room 
  • Entry Age: For Adults – Minimum 18 years; Maximum 45 Years; For Child Minimum 1 day; Maximum 24 years
  • Sum Insured – INR 3 Lakhs or INR 5 Lakhs
  • Policy tenure – 3 years
Reliance HealthGain Policy

This policy can be availed by everyone but this plan provides a special Girl Child & Single Women Discount

This health insurance plan is comprehensive coverage that offers benefits like:

  • 5 per cent discount on premium for single women or girl insured
  • Covers cost of in-patient care
  • Covers pre and post hospitalization expenses
  • Critical illness
  • Donor Expenses
  • Offers emergency ambulance allowance
  • Covers cost of domiciliary hospitalization
  • Bonus for each claim-free year of 33.33%
  • Age at Entry: Minimum – 5 years, Maximum 65 years
  • Policy Tenure: 1 year or 2 year
New India Asha Kiran Policy

This insurance plan is designed for the family having only girl children. The salient features of this policy are:

  • Covers hospitalization expenses including room rent, doctor consultation charges, medicine charges, etc.
  • Offers personal accident cover i.e. provides compensation in event of death or disability
  • Critical Care Benefit covering 11 critical illnesses
  • Covers pre-hospitalization and post-hospitalization expenses
  • Age at Entry: Minimum – 16 years, Maximum 65 years
  • Policy Tenure: 1 year 

There is also one life insurance plan which is worth mentioning here. This is because this plan provides a health-specific premium waiver for female related complications!

HDFC Life Smart Woman Plan

This is a life insurance policy that ensures savings and financial security. The highlights of the plan are:

  • Premium waiver for 3 years in the occurrence of the following events
    • Pregnancy complication
    • Diagnosis of malignant cancer of a female organ
    • Death of Spouse if availed Elite Option
  • The flexibility of partial withdrawal to meet financial contingencies
  • Tax benefit under section 80C and 10(10D) of the Income Tax Act, 1961.
  • Entry Age for Female Life: Minimum - 18 Years; Maximum -45 years
  • Entry Age for Spouse: Minimum 21 years; Maximum 50 Years
  • Maturity age for female life: Minimum 28 years; Maximum 60 Years
  • Maturity Age for Spouse: Minimum 31 Years; Maximum 60 Years
  • Policy Tenure: 10 years or 15 years
  • Annual Premium: Minimum INR 24000; Maximum INR 100000

Conclusion

Above are a few of the best and handpicked lists of health plans for women in 2020. If you are confused between any of the above-listed plans then the best option is to compare and choose the one that fulfils your needs and is heavy on your pocket.

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