Health Insurance for Women
  • Benefits of Women's Insurance
  • Plans with Infertility & Maternity Coverage
  • Best Women's Health Insurance Plans
Health Insurance for Women
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Best Health Insurance for Women in India 2024

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 lie behind 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 coming up with amazing women-centric plans. These plans are designed to keep women's health issues in mind and mostly focus on pregnancy, childbirth, and related covers. 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 gynecological examinations, breast cancer screenings, contraception, prenatal care, and many more.

This article covers all about a women's health insurance policy, its benefits, eligibility criteria of buying it, what it covers and what are its exclusions. Keep reading further to know more about it.

Top 5 Health Insurance Plans for Women in India 2024

  • Care Joy Plan
  • Star Women Care Plan
  • My:health Women Suraksha
  • Cholamandalam Sarv Shakti Plan
  • New India Asha Kiran Mediclaim Policy

A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.

Unique Benefits

  • 100% increase in SI as NCB
  • Newborn Cover
  • 541 day care treatments covered

Care Joy (Pros)

  • 2 Plan Variants
  • Maternity Plan
  • New Born Baby Cover
  • Day Care Treatment
  • Modern Treatment Cover

Care Joy (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Joy (Other Benefits)

  • Long term discount
  • Congenital Disease Cover
  • 100% increase in SI
  • Ambulance Cover
  • Lifelong Renewability

Care Joy (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - 65 Years
  • SI - 3 L/5 L
  • Waiting Period - 30 Days

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

Star Women Care Plan(Pros)

  • Designed for Women's Care
  • Cancer cover optional
  • Bariatric Surgery Cover
  • Mid-term inclusions
  • High SI

Star Women Care Plan (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Women Care Plan (Other Benefits)

  • 10% long-term discount
  • 10% Air Ambulance Cover
  • Pain Management Cover
  • Assisted Reproduction
  • Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.

Unique Features

  • Maternity complications
  • SI options from 3L - 1 Cr
  • Free preventive health checkup

My:health Women Suraksha (Pros)

  • AYUSH Benefit
  • Alternative Treatment
  • Organ Donor Benefit
  • Domiciliary Hospitalization
  • Pre and Post Hospitalization

My:health Women Suraksha (Cons)

  • Adventure Sports Injuries
  • No Sexsually Transmitted diseases
  • No Cosmetic Surgery
  • Alcoholism issues not covered
  • No Self Inflicted Injuries

My:health Women Suraksha (Other Benefits)

  • Parent and Child care Cover
  • Child Care Benefit
  • Vaccination
  • Air Ambulance
  • Health Coach

My:health Women Suraksha (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - Lifetime Entry
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days

Cholamandalam Sarv Shakti Plan

A special healthcare plan designed for women offering protection against cancer and 39 other illnesses.

Unique Features

  • Up to 2Cr SI
  • Children's education covered
  • Vehicle loan protection

A special policy designed for parents with girl children only. Two dependent daughters can be covered with Rs. 8 Lakh sum insured.

Unique Features

  • Avail 50% discount
  • Hospital Cash available
  • Avail AYUSH treatment

Eligibility Criteria for Women's Health Insurance

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

Criteria Eligibility
Age (Adult women) 18-65 years (In some cases, up to 75 years)
Age (Dependent child) 91 days to 25 years
Plan type Individual plans and Family floater plans
Pre-existing conditions Specialized plans with additional riders
Lifestyle Alcoholism and smoking habits can affect your eligibility
Waiting period Most 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 that have been asked to test for any pre-existing conditions.
  • Any further documents that are asked by the insurance provider.

Factors to Consider When Buying Women's Health Insurance

There are so many customized health insurance plans for women that one may get confused while choosing among all. Though these policies are designed after considering women-specific diseases, and health issues that are common in women, you should only go for the suitable one. Normally, you calculate the premium, policy limit tenure and benefit while purchasing a health plan, but when it comes to women's health insurance plan the needs and factors are a bit different.

The following are the factors to consider while choosing a health policy for women:-

  1. Type of Plan

    First of all, check if the plan is a woman-specific plan having all the benefits you can be covered with a family floater plan with required health benefits for reproductive health care and maternity cover.

  2. Pre-Existing Cover

    Most of the plans do not cover pre-existing diseases so it is important to find a plan that can offer pre-existing disease coverage.

  3. Maternity Cover

    In case you are planning for pregnancy, there are special plans that shield maternity for ladies. Few companies offer maternity coverage, but most of them come with a waiting period. Hence, it is advisable to buy a separate plan which includes only maternity.

  4. Claim Settlement

    Find an insurance company that offers a good claim settlement ratio and an easy claim process. Both factors surely give you peace of mind and speedy reimbursement when needed.

  5. Network Hospitals For Women's Health Issues

    Circumstances of medical emergencies can occur at any time. So, make sure you have chosen insurance with a wide range of network hospitals available nearby. This will help in saving time and energy in case the lady has no one to look after. It is also important to offer a hassle-free hospitalization and medical environment where the patient can get health treatment, especially for women.

  6. Waiting Period

    Today, young girls at the age of 15 are having diseases like thyroid or other hormonal difficulties. And most of the insurance plans have a pre-existing disease waiting period of 2-5 years. Consequently, it is important to buy a health policy when you are young.

  7. Check Value-added services

    In addition to other benefits included in the health policy for women, some insurers give free medical check-ups and add-on covers which is beneficial for women who are likely to have illnesses after a certain age.

  8. Infertility and Maternity Cover

    Competing against everything, women are battling for their spaces at work, home, and maternal space and leading a stressful life. Opting for health insurance can help them fight against maternity and infertility-related illnesses and most of the plans cover them.

    • Anemia screening
    • Gestational diabetes screening
    • Gonorrhea screening for all women at higher risk
    • Syphilis screening
    • Urinary tract or other infection screening
  9. Other Benefits

    • Breast cancer genetic test counselling (BRCA)
    • Breast cancer chemoprevention counselling for women at higher risk
    • Diabetes screening for women with a history of gestational diabetes
    • HIV screening and counselling

Factors affecting Women's Health Insurance Policy

There are multiple factors one needs to keep in mind before investing in good health insurance for women. Since women are prone to some critical illnesses and life-threatening diseases such as breast cancer, ovarian cysts, and other ailments specific to their bodies they must select health insurance for women keeping all these factors in mind.

  • Plan variant to choose- family floater or individual plan.
  • What is the waiting period for pre-existing conditions?
  • How much waiting period is assigned to avail maternity benefits?
  • What are the additional value-added services?
  • Know about all the network hospitals the insurer offers.
  • Limitation of room rent, age, and expense of treatment.
  • OPD expenses/coverage.
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What are the Benefits of Women's Health Insurance

Women have taken charge of their welfare and growth in all aspects of life for all-around development. By investing in the best women's health insurance plan women further solidify their financial well-being.

  • Independence from healthcare expenses When a person is unable to work due to medical conditions it is a cause for distress which is why it is necessary for women to invest in the best women's health insurance plan. It is so that they can gain financial independence and safeguard themselves from illness, avail aid and medical treatments without hiccups.
  • Avail the best Maternity care To avail of the best maternity care an individual spends a multitude of their savings and it is an expensive affair in India. With multiple components like ultrasounds, check-ups, medicines, doctor fees, pre, and post-natal care the expense list keeps on increasing.
  • Shield yourself from critical illnesses Some of the critical illnesses specifically affect women like breast cancer, ovarian cancer, uterus cancer, and more. Investing in the best health insurance for women will safeguard you from the heavy medical expenses incurred during the treatment of these diseases via a lump sum amount.
  • Tax Benefits By investing in health insurance you subject yourself to a tax benefit under section 80D of the Income Tax Act, 1961.
  • Cashless Hospitalization You don't own a stress of paying hefty medical bills after getting treated for a disease. Given the condition, you need to inform the insurer two days before getting admitted and within 48-72 hours in case of an unplanned hospitalization or emergency.
  • Preventive Care A plan for women's health is beneficial for getting a yearly check-up in order to maintain their health, track any diseases if they have and take preventive measures in advance.

Health Insurer Network Hospitals

Inclusions and Exclusions of Women's Health Insurance

However, women's health insurance plans have numerous benefits that can help you in times of need. But, there might be some conditions that are not covered under women's insurance. Here is what's covered and what's not covered in women's health insurance:-

Inclusions Exclusions
Hospitalization
Pre and post hospitalization expenses are covered in the health plan for women.
Cosmetic surgery
Any kind of cosmetic surgery is not covered under women's health insurance.
However, in cases of accident or injury when plastic surgery is a requirement, it can be covered.
Teleconsultations
If you need to monitor our regular health, women's health insurance plans cover the teleconsultation costs and all the expenses related to online consultations with your doctor.
Dental, Hearing, and Vision
Both dental and vision procedures are not covered by health women's insurance plans as they do not require hospitalization. It is best to check with your health insurance provider about this clause for exceptions.
Cashless treatment
The insured women can receive cashless treatment at the networking hospitals of the insurance company. All the medical expenses related to your hospitalization and treatment are settled down between the insurer and hospital.
Permanent Exclusions
There are some permanent exclusions like injuries in war, HIV, intentional injuries, congenital diseases, etc.
Maternity Care
There are many insurance companies that provide maternity coverage along with the women's health plan. But you must check if it's covered in your policy or not.
If maternity care is not included in your base health plan, you can buy an additional rider for pregnancy as well.
Congenital Diseases
Congenital diseases such as functional and structural anomalies, after birth defects, heart related issues, down syndromes, etc are not covered in women's health plans.

Conclusion

In this changing time of uncertainty, the prices fo healthcare for women is skyrocketing which can break your savings in no time. In such conditions of an emergency or a planned medicare, a women's health insurance plan can save your money and efforts. As a health plan for women can provide a comprehensive coverage for many health conditions, you can buy the best health insurance for women now, from our website policyx.com.

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 202122:

  1. Care Supreme Health Planc
  2. Niva Bupa Reassure 2.0
  3. Star Health Youngstar Plan
  4. Aditya Birla Activ Health Platinum Enhance
  5. 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'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's health insurance cover?

Women's 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's health plan for my wife?

For choosing the best health insurance plan for your wife you need to first evaluate your wife's 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's 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's insurance?

It's always suggested to buy a health insurance as soon as possible. But in case, if you don't have a plan yet, it's 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's health insurance.

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What Our Customers Have to Say

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Raghoba Phadke

Guwahati

April 8, 2024

PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.

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Akshat R Verma

Allahabad

April 8, 2024

PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.

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Akash Banerjee

Pune

April 8, 2024

The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.

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Sarthak Parmal

Delhi

April 8, 2024

I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.

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Trishna Rohilla

Bengaluru

April 8, 2024

I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...

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Sunaina Khanna

Ahmedabad

April 8, 2024

All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents

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Prakash Kaur

Hyderabad

April 8, 2024

PolicyX helped me with all my queries regarding the Aditya Birla Active Essential Plan and helped me with the buying process. I am so grateful.

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Radhika Aneja

Coimbatore

April 8, 2024

With the help of PolicyX, I got my health insurance policy from Aditya Birla Health Insurance. They answered all my queries without any hesitation and helped with every process.

Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality 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.