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Simran Nirala
Written By:
Simran

Simran Nirala

Health & Term Insurance

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.

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Reviewed By:
Raj Kumar

Raj Kumar

Health Insurance

Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.

Best Health Insurance for Women in India 2025

In the symphony of modern life, women today conduct an orchestra of responsibilities – careers that soar, families that flourish, and dreams that ignite the very soul. We are the architects of homes, the innovators in boardrooms, the unwavering pillars of our communities. Yet, amidst this beautiful chaos, how often do we truly pause to nurture the one instrument that allows us to play every note: our own health? It’s a question that whispers in the quiet moments, a gentle reminder that while we pour so much into the world, we must also pour into ourselves. Because the truth is, our well-being isn’t just a personal matter; it’s the bedrock upon which all our aspirations are built, and ensuring its longevity through comprehensive health insurance isn’t a luxury – it’s an act of profound self-love, a testament to the invaluable worth of every woman.

Women’s Health Insurance 

When it comes to health insurance, it has emerged as an absolute necessity in recent times. Be it a child, an occupational man or a senior citizen, we have specified plans for everyone. But if we speak of women, we somehow lag in having women-centric health insurance plans compared to other nations. Women’s health insurance in India may be a concern, but thankfully, more and more health insurance companies are developing amazing women-centric plans. These plans are designed to keep women’s health issues in mind and mostly focus on PCOS, PCOD, women-related cancers, pregnancy, childbirth, and related coverage. These covers are made for illnesses that women are more prone to get after a certain age.

Women’s health insurance plans are generally comprehensive and often include access to preventive care such as annual or bi-annual gynaecological examinations, breast cancer screenings, contraception, prenatal care, and many more.

Who Can Buy a Women’s Health Insurance Policy?

You can buy a women’s health insurance if you are:

  • Salaried women
  • Self-employed women
  • Housewife
  • Single mother
  • Senior citizen women
  • Women planning to start a family
  • Women of reproductive age
  • Women with existing health conditions
  • Women are looking for financial protection for their unique health needs.

 

There are various factors when buying a women’s health insurance plan. Click here to know about these factors that you need to consider before buying a women’s health insurance policy. 

Why Should You Buy Women’s Health Insurance?

Buying health insurance specifically designed for women, or a comprehensive health insurance plan with strong women-centric benefits, offers a multitude of advantages. Here are the key benefits:

1. Tailored Coverage for Women-Specific Health Needs:

  • Maternity Benefits: This is a cornerstone, covering prenatal care, delivery expenses (normal and C-section), postnatal care, and sometimes even newborn baby care (including vaccinations and treatment for birth defects).

  • Critical Illnesses: Women are more susceptible to certain critical illnesses like breast cancer, cervical cancer, ovarian cancer, and other gynaecological cancers. Women’s health plans often provide specific or enhanced coverage for these conditions, sometimes even offering a lump sum payout upon diagnosis.

  • Gynaecological Issues: Coverage for conditions like fibroids, cysts, PCOS, and other reproductive health concerns that may require specialised treatment or surgery.

  • Hormonal Imbalance & Age-Related Issues: As women age, they experience hormonal changes (e.g., menopause) that can lead to various health issues like osteoporosis, arthritis, and heart disease. Specific plans will address these.

2. Financial Protection and Independence:

  • Shield Against Rising Medical Costs: Healthcare inflation is a reality. Health insurance provides a crucial financial safety net, protecting your savings from being wiped out by unexpected medical emergencies or prolonged treatments.

  • Cashless Hospitalisation: This is a significant benefit, allowing you to receive treatment at network hospitals without upfront payment. The insurer directly settles the bills, reducing financial stress during a difficult time.

  • Reimbursement Claims: If you choose a non-network hospital, the insurer can still reimburse your expenses after paying them yourself.

  • Pre and Post-hospitalisation Expenses: Coverage for costs incurred before admission (doctor consultations, tests) and after discharge (follow-up visits, medications) for a specified period.

  • Financial Independence: Having your health insurance empowers you to make healthcare decisions without relying on others for financial support, ensuring you get timely and quality treatment.

3. Emphasis on Preventive Care:

  • Annual Health Check-ups: Many women-centric plans include free annual health check-ups. This encourages proactive health management and early detection of potential health issues, which is crucial for better outcomes, especially for cancers and chronic conditions.

  • Screenings: Coverage for essential screenings like Pap smears, mammograms, and bone density tests for early detection of women-specific diseases.

  • Wellness Programs: Some policies offer wellness programs, teleconsultations, and discounts on health services to promote a healthier lifestyle.

4. Peace of Mind:

  • Stress Reduction: Knowing you have comprehensive health coverage significantly reduces anxiety and stress related to potential medical emergencies and their financial implications.

  • Access to Quality Healthcare: Health insurance provides access to a wide network of reputable hospitals and specialists, ensuring you receive the best possible medical care.

5. Tax Benefits:

  • Section 80D: Premiums paid for health insurance policies are eligible for tax deductions under Section 80D of the Income Tax Act, 1961, providing an additional financial incentive.

6. Flexibility and Comprehensive Coverage:

  • Individual or Family Floater: You can choose a plan tailored for your individual needs or opt for a family floater that covers you and your family members, ensuring collective security.

  • Broader Coverage than Group Policies: While employer-provided group insurance is beneficial, it often has limitations in coverage and ceases when you leave the organisation. A personal women’s health plan offers more comprehensive and continuous protection.

Eligibility Criteria for Women’s Health Insurance

Read below the eligibility criteria for buying health insurance for women:

CriteriaEligibility
Age (Adult women)18-65 years (In some cases, up to 75 years)
Age (Dependent child)91 days to 25 years
Plan typeIndividual plans and Family floater plans
Pre-existing conditionsSpecialised plans with additional riders
LifestyleAlcoholism and smoking habits can affect your eligibility
Waiting periodMost of the plans may come with a waiting period of 1-3 years, depending upon the type of policy and the insurer

Documents Required for Buying Women’s Health Insurance

These are the documents that a woman would require to get a health insurance policy:-

  • KYC documents, including your identity proofs.
  • Medical reports have been asked to test for any pre-existing conditions.
  • Any further documents that are required by the insurance provider.

Top Health Insurance Plans for Women

Maternity Health Plans

Entry Age for Maternity Cover (min-max)

Sum Insured

Minimum Waiting Period

Cost 

Niva Bupa Aspire

18 years - NA

3 L - 1 Cr

9 months - 2 years

Rs. 7,615

Care Joy

18 - 45 years

3 L - 5 L

9 months - 3 years

Rs 10,467

Star Women Care

18 - 35 years

5 L - 1 Cr

1 - 2 year/s

Rs 7,965

Star Assure

18 - 45 years

5 L - 2 Cr

2 years

Rs 10,330

Aditya Birla Activ Fit

18 - 45 years

5 L - 1 Cr

3 years

Rs 6,863

To know about the inclusions and exclusions in women’s health insurance plans. You can visit here to learn about the same. 

Bottom Line

As women continue to redefine roles and responsibilities in today’s dynamic world, prioritising personal health through dedicated health insurance is not merely a financial decision but a profound commitment to self and family. While India is steadily advancing in providing women-centric health solutions, the unique physiological and life-stage needs of women necessitate comprehensive coverage that goes beyond standard plans. 

From safeguarding against the rising costs of maternity and critical illnesses prevalent among women to enabling access to crucial preventive care and fostering financial independence, women’s health insurance acts as an indispensable shield. By understanding the eligibility and benefits, and by choosing a plan that aligns with individual needs, every woman can ensure that her well-being remains the strong, vibrant foundation upon which her aspirations and the future of her loved ones are securely built.

To learn about the top 10 health insurance companies, insurers that provide women-centric plans, etc, you must schedule an appointment with us today. 

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Health Insurance for Women: FAQs

1. Top 5 women health insurance plans in India based on claim settlement ratio.

The following are the top 5 women insurance plans in India based on the latest claim settlement ratio (CSR) for the year 2021–22: Care Supreme Health Planc Niva Bupa Reassure 2.0 Star Health Youngstar Plan Aditya Birla Activ Health Platinum Enhance ManipalCigna Prime Advantage

2. Does all the best health insurance for women cover critical illnesses that are specific to women, such as breast cancer or cervical cancer?

Yes, many health insurance plans for women provide coverage for critical illnesses specific to women, such as breast cancer and cervical cancer, including their diagnosis, treatment, and post-treatment care.

3. Does health insurance for women cover fertility treatments?

Fertility treatment coverage varies, depending entirely on the insurer. Some plans may provide limited coverage for certain procedures, while others may offer more comprehensive coverage.

4. Are cosmetic procedures, such as breast augmentation or liposuction, covered under health insurance for women?

Generally, cosmetic procedures are not covered under women& 039;s health insurance plans , as they are considered elective and not medically necessary.

5. Are pre-existing conditions covered under women health insurance plans?

Coverage for pre-existing conditions can vary among health insurance plans. Some plans may provide coverage for pre-existing conditions after a waiting period, while others may exclude them altogether.

6. Are mental health services covered by women health insurance?

Yes, mental health services are typically covered by women health insurance plans, including therapy and counselling.The coverage totally depends upon the insurer.

7. Why do I need specific Health Insurance for women?

Women are more prone to some illnesses than males, such as arthritis, urinary infections, anaemia, and so on. As a result, they should obtain comprehensive health insurance coverage as soon as possible to prevent paying out of pocket in the event of an emergency.

8. What does women health insurance cover?

Women health insurance policies protect women from several illnesses, diseases, and accidents. Certain women-specific health insurance policies additionally cover critical illnesses that are included in the policy.

9. How is buying women-specific health insurance beneficial for me?

Along with offering coverage to you against several critical illnesses, the health plans for women also come with several benefits such as: Cover for maternity expenses Cover for expenses related to a newborn baby Cover for preventive health check-ups Several Value-added services

10. How can I choose the best women health plan for my wife?

For choosing the best health insurance plan for your wife you need to first evaluate your wife health status. Based on her healthcare needs and your budget, you can then compare all the plans available in the market and can choose the best suitable plan for her.

11. Can an unmarried woman get benefitted from women health insurance plans?

Yes, no matter whether a woman is married, unmarried, or single, a women insurance plan will offer you a comprehensive coverage including annual check-ups, maternity coverage, and so on.

12. How can I get maximum coverage with my health insurance plan?

You can customize your health plan to get maximum benefits out of it, like you can buy an add-on rider for an enhanced coverage.

13. What are additional coverage I an get from a health plan?

Some of the insurane companies offer women health insurance with additional coverage related to wellness programs, ambulance services, and critical illness etc.

14. What is the best age to buy a women insurance?

It always suggested to buy a health insurance as soon as possible. But in case, if you dont have a plan yet, its suggested that you buy a health insurance under the age of 35-40 years.

15. Where can I compare and buy the best health insurance for women?

Policyx.com gives you the best platform with a seamless online support where you can compare multiple plans at one place. It will help you buy only one of the best women& 039;s health insurance.

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Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.