Health Insurance for Women in India

Health insurance for women is a specialized form of medical coverage designed to address the specific healthcare needs and challenges faced by women throughout their lives. It encompasses various services and benefits tailored to promote and protect women's physical, mental, and reproductive well-being.

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 to keep 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.

Top 5 Health Insurance Plans for Women in India 2023

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

Importance of Woman's Health Insurance in India

According to the Insurance Awareness Survey Report released in 2012 by IRDA, fewer women opt for health policy in India. Even when the possibility of women being hospitalized is almost the same as men. Modern lifestyles and rising stress levels with dual responsibilities and physical stress, women are more prone to some diseases than men.

Whether you are single, married or retired, here some of the main reasons why being the leading lady, you must opt for a best health insurance policy.

Are you a homemaker? great! You are doing a full-time job that can cost your family if you were not doing all the stuff with full activeness. In an unfortunate event or medical emergency, your family will have to bear the added burden of taking care of the home, which means that your spouse or children may have to work harder for taking care of the house your health and so on. But if you are secured with a health insurance plan, they cannot only take good care of your but the stress of increased expenditure can be reduced.

As mentioned earlier, women need more preventive assistance than men due to the need for reproductive care and a higher possibility of chronic illness and disability. Moving further, women take major accountability for adjusting for a family member, annual health care expenses, and are more likely to encounter inconsistent insurance coverage as compared to men. Hence, having women-specific insurance can help them live a stress-free life.

Women who work may get a good financial future, but to make sure that they are stress-free in the most crucial years of their lives, either you as a child, spoke or women themselves should get medical insurance for availing health care benefits.

Things To Know Before Buying Health Insurance Plan For Women?

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. Following are the things to consider while choosing a health policy for a woman.

1. Type of Plan

   First of all, check if the plan is a woman-specific plan having all the benefits of 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 disease so it is important to find a plan that can offer pre-existing disease coverage.

3. Maternity Cover

   In case you planned for pregnancy, there are special plans which 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 the factors surely give you peace of mind and speedy reimbursement when needed.

5. Network Hospitals For Women 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-up 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.

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

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.

What is Covered in Women's Health Insurance Policy?

Women go through a lot of physical changes throughout their life from the menstrual cycle to pregnancy to menopause. Their bodies need regular medical attention. So, they must opt for the best health insurance that covers maximum expenses. Here are a few features a woman health insurance policy covers commonly:

What is Not Covered in Women's Health Insurance Policy?

There are certain diseases or treatments that are barred from women's health insurance. So, it is important to know about the exclusions of Health Insurance for Women before buying to make an informed decision. Here are a few exclusions:

How to Pick the Best Health Insurance Policy for Women?

While there are many incredible health care companies out there, how will you decide which one is the best option? Here are a few factors to lead you through the method of choosing the right health care policy for a woman.

1 Choose The Right Sum Assured

Health care expenses are rising day by day. So, you must go with a policy which offers the right sum assured. If you have difficulty in estimating how much sum assured on the health insurance you need, you can use multiple online tools which can suggest you the right health insurance cost.

2 Read Reviews

This is the best thing to get the right insights even for the best policy available in the market. You can read women's health plan reviews if they are satisfied with the plan and its benefits or not.

3 Compare Plan

If you are confused between two of the best health insurance, the best way is to compare both the plan and see which one is closer to your needs and budget. If you are looking for a reliable platform where you can get an honest and unbiased comparison of health plan for women. PolicyX can help you make the right decision just by filling your details and needs.

Whether you are a single mother looking for financial security for your health treatment or young professional planning your future on your own, it is very important to read and understand the policy document as deeply as you can. And if you find any problem or question you must ask the agent so that you don't regret your decision.

Though almost every health plan covers maternity benefits such as pre and post hospitalization, ambulance cover and a wide range of women related health issues and critical illnesses, it is better to revisit the website and see what are the exclusion of the policy, you are planning to sign up for.

Conclusion

Well-planned health insurance can shield you from any unfortunate turmoils of critical illness or disease specific to women. Investing in a good women's health insurance plan is advantageous for yourself and any female member of your family. So, gift this health plan to your mother, sister, wife, or daughter and secure their healthcare needs.