Women Health Insurance

Women health insurance is a type of health insurance coverage policy designed specifically for women. Women undergo more stress than men on a regular basis. They have to work in the office and at home, taking care of the children, maid, parents, house, and much more. Due to the recent COVID-19 pandemic, women are working harder than ever. In addition, women are also subject to critical illnesses and life-threatening diseases such as breast cancer, ovarian cysts, and other ailments specific to their body.

Nowadays, women health insurance plans also cover expenses related to COVID-19 treatment.

Keeping all of these factors in mind, many health insurance companies have come with women-centric health insurance coverage policies.

Why Buy Women Health Insurance?

A women health insurance coverage plan is an excellent option for all women. It will shield you from the financial loss arising due to a medical emergency and hospitalization. It is advisable for single women to purchase a women healthcare policy.

In case you are planning to start a family in the near future, your woman health plan can be included with maternity insurance and newborn baby cover. This will help you save expenses arising from childbirth and pre/postnatal needs.

If you have a history of critical illness/life-threatening diseases among your family members; or are genetically predisposed to conditions such as diabetes, heart-stroke, breast and cervical cancer, ovarian cysts, pregnancy issues, gynecological complications, and much more, you must buy a women health insurance plan today as the following ailments mentioned above might not be covered under your standard medical policy.

In short, here are six reasons to purchase a women health insurance cover:

  • Women-centric healthcare and medical insurance plans are readily available in the market at an affordable premium. Female insured lives are charged a lesser premium in comparison to male lives.

  • Having a baby comes with lots of expenses related to childbirth and maternity. A woman healthcare policy will help you meet these expenses.

  • Preventive health checkups and medical reports are covered under a women medical policy.

  • Pre/post-natal cover along with expenses related to a newborn baby

  • Option to add children in the existing policy coverage

Buy Women Health Insurance Plan Online

Now you can purchase a women health insurance policy online. Get top health insurance premium quotes from the best health insurance companies in India for 2020, online-only on Coverfox. In addition, you can also compare and renew your existing/old healthcare policy on Coverfox for free. Calculate the premium using the health insurance premium calculator.

Here is a list of things to consider before you make the final decision to buy a women health insurance plan:

1. Policy Term and Premium Payment Term
2. Amount of Sum Insured/Scope of Cover
3. A general list of Exclusions and Inclusions
4. Waiting Period for Pre-Existing Diseases
5. Maternity/Childbirth/Newborn Baby Cover
6. Lifelong Renewability Option
7. Option for Co-Payment
8. Cashless and Reimbursement Option
9. No of Network Cashless Hospitals
10. AYUSH Benefit
11. Organ Donor Expenses
12. Critical Illness Cover
13. Pre and Post Hospitalization Expenses Cover

Top Women Health Insurance Plans

Here is a list of the best women health insurance coverage plans in India for 2020. Get complete details on each of health insurance plans online, only on Coverfox.

Plan Name Policy Term Entry/Renewal Age Incurred Claims Ratio (2018-19)
Reliance Health Gain Policy 1 year to 2 years
  • 5 years to 65 years; Children - 91 days to 4 years
  • Lifetime renewal option
  • 94%
    New India Asha Kiran Policy 1 year
  • 16 years to 65 years
  • Lifelong renewal option
  • 103.74%
    Care joy Maternity Health Insurance Plan 3 years
  • 18 years to 45 years
  • Lifelong renewal option
  • 55%
    Star Wedding gift Insurance Plan 1 year to 2 years 18 years to 40 years/up to 45 years 63%
    Bajaj Allianz Women Specific Critical Illness Insurance Plan 1 year
  • 21 years to 65 years
  • Lifelong renewal option
  • 85%
    Tata AIG Wellsurance Woman Policy 1 year
  • 18 years to65 years
  • Lifelong renewal option
  • 78%
    HDFC Life Smart Woman Plan 10 years to 15 years
  • Female lives - 18 years to 45 years
  • Spouse - 21 years to 50 years
  • Risk cessation - 31 to 60 years
  • Renewal; Within 2 years
  • 62%

    The information mentioned above has been sourced from the official website of the respective insurers. The incurred claim ratio has been taken from IRDAI’s annual report for FY 2018-19.

    In Simple Words,

    It is advisable to purchase a women health insurance plan for yourself. It will only help you in case of an emergency. It is better to be prepared for an emergency like situation at all times.

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