Best Indian Women health insurance plans

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Women’s health insurance plans may be considered as insurance policies that are specifically designed keeping in mind their requirements and well-being of women, the fairer sex. Nowadays the insurers, especially the stand alone health provides, are providing different options when it comes to picking health insurance policies for women.

Apart from the standalone plans, women can nowadays also be covered for fixed benefits including Critical Illness, Cancer and Maternity. There are certain health plans that provide special benefits related to specific periods in a woman’s as she passes from adolescence to old age. With women being fiercely protective of their financial, emotional and physical independence, such plans cater to their requirements.
Women health insurance
Women as a matter of fact constitute 49% of the voters and almost 25% of the workforce in India but it’s ironical that they would not be financially prudent enough to invest in protecting themselves through a health insurance policy. Modern women are currently taking on challenges of work life balance, juggling between a well paying and professionally challenging job and managing the home and the chores that go with it. Women also become more vulnerable to health issues especially after the age of 40 upto 60 years, transitioning between a stable physical environment to then taking on critical ailments such as Arthritis, BP, diabetes, cancer etc. Women are even more susceptible to bone-related disorders and breast cancer. And this is after spending their 30’s giving birth and raising one or two children at home.

Recent studies have showed that about 80-85% of the women in the country do not have their own health insurance, and even if they do, have a basic coverage plan and this is even if they are financially independent. So when an ailment arrives unannounced, payment for the treatment of such conditions are made from their hard earned savings, and this can cause a gaping hole in the family’s finances. This is why women in their 30’s must actively consider getting themselves insured without fail to take care of oncoming medical ailments that will require hospitalisation, treatment, and maybe surgery also.
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But why the reluctance for women to have health insurance? Here are a few reasons why women generally do not get themselves covered by medical insurance:

Lack of Awareness - In India overall, the prevalence of a satisfactory health insurance coverage is available with around 20% of the population and this shows the relative lack of importance individuals have for being insured. This is true for women as well and hence we have a low penetration of health insurance in this segment.

Financial Dependence – Many women in India are homemakers in India and this means that their spouses are the breadwinners of the family. This places the women at a position of dependence on their husbands for all financial matters and this includes insurance. Even for many women who are well educated, literate and economically independent, living in a patriarchal society means that all decisions are made by the head of the family. Before marriage it is their father, after marriage it is generally the husband making money-related decisions.

No Employment, No Group Insurance Coverage - In India, the workforce across industries and geographies employ a little less than 25% of women…this means that the number of women in active worklife is one fourth of their male counterparts. Since many of these employers in the private and public sector provide group insurance policies, logically the number of women who will be insured through these group plans will also be that much lower than men.

Maternal Traits – Women have always and will always live for their families including their husband, children and parents. They have this tendency to put others before self and focus on the well being of their loved ones. This being said, since they generally believe they are active and engaged in everything they do, they do not feel the need to be insured, or be protected by a health insurance.

Why should Women opt for Health Insurance?

Women can often experience complications during critical periods in their life from puberty, to pregnancy, harmone related disorders and due to biological factors breast cancer, thyroid, cysts, etc. As a result of this hospitalization and medical treatment expenses are most likely at these stages in their life and thus having a comprehensive women’s health insurance policy becomes important. The above also suggests that there is a definite possibility of women being hospitalized as much or more than men. Modern lifestyles and rising stress levels with work and home responsibilities coupled with physical stress, women are more prone to some diseases than men.

Another important reason is that since women are generally the fulcrum around which the home rotates and hence while doing this full-time job, they are exposed to different types of health risks on a regular basis. In an unfortunate medical emergency to the woman, the family comes under a lot of stress and additional responsibility to the family members. But if one is secured with a health insurance plan, they can not only take good care of their family, but the stress of a financial emergency can be reduced.

So some of the key reasons for Women to mandatorily have a health insurance plan are :
  • Apart from the smaller population of working women, most women are home makers and their lifestyle is relatively sedentary when compare to women who are traveling for work etc. This can lead to lifestyle diseases.
  • Given their biological differences, women are more susceptible to critical diseases like breast cancer, heart conditions, osteoporosis, harmone related conditions, development of cysts, illnesses relating to menopause etc
  • With even increasing cost of medical treatment and medical inflation, no insurance cover means, payment of expenses from their hard earned savings, which can impact the family financially.
  • Comprehensive coverage and premium discounts – Many insurance plans provide additional sum insured or a reduced premium for a women insured when compared to men…this is given the need to push more health insurance plans to cover women.
  • Most health insurance company plans also offer maternity/pregnancy benefits as a part of the coverage and this will be useful at the time of birth.
  • Income Tax benefits – For financially independent women, health insurance premium is also a tax saving instrument while filing their tax returns. Section 80D of the Income Tax Act, allows tax deductions upto ₹25,000 against the payments made for self, spouse, dependent children and parents (whether dependent or not).
  • Accidents are also covered by a health insurance plan. Hence this is additional coverage for women in an unfortunate situation if they meet with an accident.

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Benefits under Women’s Health Insurance Plan (Critical Illness)

These plans also come with the following benefits :
Cashless hospitalization : Treatment for covered illnesses at network hospitals on a cashless basis. This will help to reduce the anxiety of the policyholders.

Cancer Cover : With this policy, stay protected and let cancer not deter you from achieving life goals. We offer 100% sum insured for all such women specific cancer that include:
  • Breast Cancer
  • Fallopian Tube Cancer
  • Uterine/Cervical Cancer
  • Ovarian Cancer
  • Vaginal Cancer
Some plans offer a Carcinoma in Situ, which is cancer detected at an early state medication and treatment to ensure it remains localized and has not spread to the other organs or tissues of the body is covered as a sublimit.

Major & Minor Illnesses Covered : Financial support in treating Systemic Lupus Erythematous with Lupus Nephritis and Rheumatoid Arthritis (women specific ailments). These diseases are painful and need prolonged treatment leading to financial stress.

Surgical Procedures : Surgical procedures like Mastectomy, Hysterectomy, Breast re-constructive surgery, Wertheim's Operation, Radical Vulvectomy, Total Pelvic Exenteration, and Complicated Repair of Vaginal Fistula upto a sublimit as specified in the policy are covered.

Cardiac Ailments & Procedures : Coverage for Open Chest CABG, First Heart Attack, Angioplasty, Insertion of Pacemaker etc

Critical Illness : Life threatening critical illnesses can be a deterrent for a woman’s future, for better financial support against critical illnesses, while ensuring quality treatment, the plans cover listed critical illnesses that include Surgery of Aorta, Kidney failure requiring regular dialysis, Infective Endocarditis, Major Organ/Bone Marrow Transplantation, Primary (Idiopathic) Pulmonary Hypertension, End Stage Liver Failure, Dissecting Aortic Aneurysm, Medullary Cystic Disease, Cardiomyopathy, Permanent Paralysis of Limbs, Multitrauma, Burns among others.

Pregnancy and New Born Complications : Coverage for Disseminated Intravascular Coagulation (DIC), Ectopic Pregnancy, Molar Pregnancy and Eclampsia etc. Not just the mother, often the child also faces complications and needs surgeries for several congenital diseases like heart ailments, Spina Bifida, etc as per sublimits applicable.

Loss of Job : It’s quite possible that you may either resign or lose your job within a specified period (normally 3 months) due to diagnosis in case of major illness. On such a loss, a financial compensation in terms of a fixed amount / % of salary last earned is paid.

Congenital Disability Benefit : Benefit payable (as per T&C) under the plan on the birth of the child with any one or more of the Congenital Disabilities listed below and the child survives 30 days from the date of diagnosis :
  • Down’s syndrome
  • Congenital cyanotic heart disease
  • Tracheo-esophageal fistula
  • Cleft Palate with or without cleft lip
  • Spina bifida

Children Education Bonus : Compensation payable for future education of the children on diagnosis of the Critical Illness of the insured covered under the policy.

Please note that this is a compilation of benefits under various plans for women, and do not pertain to one single plan…kindly review each plan with it’s set of benefits while making a final decision.

Guidelines to buy a Health Insurance policy for Women

With so many options available in the market for everything, Finding the ideal health insurance plan can be tough, but here are some things to look out for :

Women Specific benefits : Benefits covering women specific ailments like breast cancer, thyroid, cysts, harmone related disorders are few which have effected women considerably in recent times.

Large Cashless Hospital Network : Ensure timely admission and treatment to the insured apart from quality healthcare at pre approved costs.

Maternity Coverage : If there is a planned pregnancy on the way, this is a benefit one’s policy must have.

Waiting periods : Opt for a plan which has minimal waiting periods for defined illnesses including Critical Illness, Pre existing diseases etc.

Financially Sound Insurer with Transparent Claims process : Choose an insurer with a good claim settlement ratio and a claim process which is simple and transparent.

Right Sum Assured : Health care treatment costs are increasing everyday. So, decide on the optimum sum assured given the financial position one is in, future commitments, number of dependents etc.

Compare Plans : Visit a website like eindiainsurance to compare similar plans, review their coverages, terms & conditions, premium before making a decision.

Women Specific Critical Illness Health Plans in the market are displayed in the table below :

Insurance Company Sum Insured Options Age Eligibility Waiting Period for Critical Illness cover Pre Policy Medical Check (PPC) Tenure Duration
HDFC Ergo 1 lacs to 100 lacs (1 cr) 18 years – 65 years 90 days Yes, but the charges borne by the insurer 1/2/3 years
Bajaj Allianz 50,000 to –2 lacs 21 years – 65 years 90 days Yes, for insured above 41 years of age 1 year

General Exclusions under Women’s Plan

Some of the key exclusions are below, kindly review the entire list of exclusions which are part of the policy wordings:
  • Any Critical Illness for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself or was contracted before the start of the Policy Period, or for which a claim has or could have been made under any earlier policy.
  • Any sexually transmitted diseases or any condition directly or indirectly caused by or associated with Human T-Cell Lymphotropic Virus type III (LB III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind commonly referred to as AIDS.
  • Treatment arising from or traceable to pregnancy, childbirth postpartum complications including but not limited to caesarean section, birth defects and congenital anomalies.
  • Occupational diseases.
  • War, whether war be declared or not, invasion, act of foreign enemy, hostilities, civil war, insurrection, terrorism or terrorist acts or activities, rebellion, revolution, mutiny, military or usurped power, riot, strike, lockout, military or popular uprising, civil commotion, martial law or loot, sack or pillage in connection therewith, confiscation or destruction by any government or public authority or any act or condition incidental to any of the above.
  • Naval or military operations of the armed forces or airforce and participation in operations requiring the use of arms or which are ordered by military authorities for combating terrorists, rebels and the like.
  • Any natural peril (including but not limited to storm, tempest, avalanche, earthquake, volcanic eruptions, hurricane, or any other kind of natural hazard).
  • Radioactive contamination.
  • Consequential losses of any kind, be they by way of loss of profit, loss of opportunity, loss of gain, business interruption, market loss or otherwise, or any claims arising out of loss of a pure financial nature such as loss of goodwill or any legal liability of any kind whatsoever.
  • Intentional self-injury, suicide, attempted suicide and/or the use or misuse of intoxicating drugs and/or alcohol.

Below are the list of products provide coverage for Women health insurance

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