Health Insurance

Health Insurance Plans For Women In India (2020)

By Admin
Mar 01, 2021
health insurance plans for women in India 2020

Women are the pillars of every family. They are the caregivers and they are the decision-makers. While a woman cares wholeheartedly for her loved ones, she often tends to ignore her own health and wellness. 

This is not the wisest thing to do, as unless she is fit and healthy, she will not be able to take care of others and perform her duties at home and at her workplace.

Keeping this in mind, many health insurance companies have now launched women-specific medical insurance plans that help women to protect their health and stay fit at all times.

What is a woman’s health insurance plan? 

These are nothing but health insurance policies designed specifically for women. The plans cover a wide range of ailments ranging from regular medical procedures to complex issues such as cervical cancer. Listed below are the top health insurance plans for women in India:

Reasons why women health insurance plans are needed:

Gone are the days when women were solely dependent on their husbands for all their needs. These days, women are independent and they make their own life choices. As a result, more and more women are now realising how important it is for them to have health insurance. This is a major reason why health insurance for women is becoming popular. 

Some other reasons include:

  1. Women require wholesome care
    From an early stage in life, commonly in her late teens, a woman becomes actively involved in household chores. She helps in the house while continuing with her studies and then by getting employed. It is common for Indian women to get married at a young age, in their early twenties, and have children soon. All this happens while the woman continues to work at home and at the office. As a result, with time, an effect is seen on her health. This is why women need constant care to ensure they are physically and mentally fit at all times. Regular checkups, diagnostic tests, proper treatment when needed, etc are vital requirements. When a health insurance cover is available, conducting these things becomes easier and this is why these plans are needed.
  2. Women-specific illnesses are on the rise
    These days, we hear about way too many women getting breast or cervical cancers, rheumatoid arthritis and other such deadly ailments. Sadly, these ailments are on the rise and every woman needs to have a health plan to fight these. If you are a woman, buy good health cover for yourself. If you are a man who has a woman dependent on you, get the plan for her and keep her protected in a wholesome manner.
  3. It is a smart investment
    Many women fail to save money or build up contingency funds for their health care costs. When you invest in a health insurance plan, the fund is automatically built up and you always have a health cover to fall back upon. Then, the health insurance plan also offers tax benefits which all working women benefit from. So apart from the medical point of view, the health plans also benefit you from the financial point of view.

Top Health Insurance Plans for Women in India

Name of planBrief description 
Bajaj Allianz Women-Specific Critical Illness Insurance Plan
  • The Bajaj Allianz Women-Specific Critical Illness Insurance Plan is a plan that is exclusively available for women.
  • It offers coverage against 8 critical illnesses.
  • It offers special coverage for women-centric cancers including breast cancer, ovarian cancer, fallopian tube cancer, ovarian cancer and vaginal cancer, among others.
  • Apart from the critical illnesses, the plan also has coverage for burns and paralysis.
  • Then, the policy offers protection against financial losses stemming from a job loss for a woman due to a critical illness.
  • The plan pays 50% of the sum insured if the insured woman gives birth to a baby having a congenital disease/disorder.
  • This is a very good and economic plan that many women benefit from.
TATA AIG Wellsurance Woman Health Insurance Plan
  • When you buy the TATA AIG Wellsurance Woman Health Insurance Plan, you get protection against 11 critical illnesses.
  • The plan has a wide range and covers the most critical illnesses that usually strike women.
  • The illnesses covered include various types of cancers and stroke, among others.
  • Cashless treatment facilities are also available in hospitals across the country. This is a comprehensive health plan that offers other benefits such as pre and post-hospital care, hospital cash benefits, ambulance cover, etc.
  • If the policyholder needs to undergo cosmetic surgery after an accident or trauma, she will get compensated for that as well under this women’s health insurance policy.
Care Joy Maternity Health Insurance Plan
  • The Care Joy Maternity Health Insurance Plan, as the name suggests, is an excellent health insurance plan for women that is specifically designed to cater to pregnancy and childbirth-related expenses.
  • The waiting period in ‘Joy Today’ policy is very short and the woman can get the cover after only waiting for 9 months. While in ‘Joy Tomorrow’ it is 3 years.
  • All charges incurred including the hospital bills, delivery charges, newborn care, etc are covered under this plan.
Reliance Health Gain Policy
  • The Reliance Health Gain Policy is another excellent health plan specifically available for women.
  • It is available as an individual as well as a family floater plan.
  • Single independent women get a special discount of 5% on the premium of this plan.
  • Many covers are available under this plan such as in-patient care, domiciliary care, pre and post-hospital care, ICU cover, etc.
  • The benefit of automatic sum insured restoration is also available on this woman-friendly policy.
HDFC Ergo my: health Women Suraksha Plan
  • This is another excellent women-specific health insurance plan that covers a vast range of illnesses that ladies usually get affected by.
  • It has 3 offerings: Women Cancer Plus Plan, Women CI Essential Plan, and Women CI Comprehensive Plan
  • These include various womanly cancers like breast and cervical cancer, rheumatoid arthritis, Lupus nephritis, etc.
  • The plan offers one of the highest sums insured options, the maximum being INR 1 crore.
  • If a cancer is detected in the early stages, a percentage of the sum insured is paid to help with the treatment.
  • Also, other covers such as loss of income due to an illness are covered under this plan, which is undoubtedly one of the most popular women-centric comprehensive health insurance policies in India.

Every woman needs a health plan

Every woman needs good health insurance cover. Women care selflessly for the people around them. They work to balance both home and office. Often, with age, they are faced with various ailments, so ensure that your mother, sister, wife, all are covered under a health plan. A health insurance plan helps to offer care and protection for them and so they are a vital and crucial requirement. Women-specific health insurance is a good way to show your care for them.

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