Best Health Insurance Plans For Female in India

Who Needs to Get Women's Health Insurance?

• Salaried or self-employed females
• Housewives
• Senior Citizen
• Single mother

Benefits of Health Insurance for Women

There are many benefits you can get after buying a health insurance plan. Let's understand some key points:

1. Financial Independence

A health insurance policy helps you achieve financial independence by providing coverage for your medical bills. You need not be dependent upon your family to get quality treatment.

2. Customized for Women's Health Needs

All women's health illnesses can not be the same. With the help of health insurance, you can customize plans based on your needs and budget to get the best coverage for your medical expenses.

3. Preventive Care

Some insurance plans cover periodic checkups and vaccinations relating to women. Periodic visits to a gynecologist not only help to track your health but lead to early detection of any disease. It helps to take preventive measures timely.

4. Peace of Mind

Health insurance provides financial security against medical emergencies for women. The idea of getting quality treatment during illness will give you a sense of assurance. Some plans also include coverage for therapy and mental assistance to ensure your peace.

5. Tax Deduction

If you are a working woman and eligible to pay taxes, you can also get tax benefits under section 80D of the Income Tax Act.

Key Factors for Choosing Women's Health Insurance

Now that you know about various women's health insurance plans, here are some important factors that help you in choosing the right plan for you.

• Maternity and newborn cover: You should choose the women-centric plans that have coverage for maternity and newborn expenses. It also offers pre and post-natal coverage to the mother.
• Coverage of women-centric disease: Select a plan that covers various women-specified diseases such as breast cancer, cervix cancer, PCOD, and infertility.
• Riders Availability: You should also look for a plan that has add-ons. It will help you to customize your plans as per your needs.
• Network of Cashless Hospitals: Look for a insurer that has wider network of cashless hospitals. With a good insurance plan, you can get cashless treatment in any of the network hospitals of the insurer.
• Waiting Period: The waiting period is the duration before which some diseases can not be covered. Look for a minimum waiting period for any of your pre-existing diseases.
• Other Coverage: Women's healthcare plan should also cover mental health treatment and routine checkup coverage. These coverages will help in maintaining your overall health.

Inclusions and Exclusions of Women’s Health Insurance

Most of the Women Healthcare Plans have the following inclusions and exclusions:

1. Women's Health Insurance plan covers

• Maternity expenses
• Pre and postnatal expense
• Expenses relating to delivery and defect of the newborn
• Women-centric cancer cover
• Voluntary sterilization
• Miscarriage relating coverage
• Ambulance charge
• Preventive regular check-up
• Hospitalization charge
• OPD charges
• Loss of job
• Congenital disease

2. Women’s Health Insurance Plan doesn’t cover

• Adventurous injuries
• Illness due to alcohol or any other drug
• STD (sexually transmitted disease)
• Treatment taken at home (Domiciliary hospitalization)
• Venereal disease such as Clymedia

Disclaimer: Please refer to your policy document to know the exact inclusions and exclusions.

List of the Best Women's Health Insurance Plans in India

Here is a list of women-specific health insurance plans with benefits and features.

Now, let’s understand more about each plan in detail:

1. STAR WOMEN CARE INSURANCE POLICY

This plan is designed to cover most of the health issues relating to women, including pregnancy expenses and other critical illnesses. Some of the major benefits offered by this plan are:

• Covers hospital and newborn vaccination costs for up to 12 months.
• Covers cancer treatment with an add-on.
• Covers delivery costs up to a limit.
• Includes modern treatments like oral chemo and robotic surgery.
• No pre-screening is needed.
• Covers pregnancy issues, miscarriage, and sterilization.

2. BAJAJ - HERIZON CARE

This plan provides complete coverage to the women. It not only covers 34 critical diseases of women but also provides coverage for many pregnancy-related expenses. Some of its benefits are:

• Covers surrogacy support and egg freezing.
• Covers legal costs for assault, acid attack, or kidnapping with an add-on.
• Includes teleconsultation and fitness expenses.
• Provides funds for job loss and child’s education in case of critical illness.

3. RELIANCE HEALTH INFINITY INSURANCE

This is a comprehensive health insurance plan that offers lifetime renewal to the insured. The tenure of Reliance's infinity health policy is 1, 2, or 3 years. Some of its additional features are as:

• Covers normal and C-section delivery up to 1 or 2 lakh, based on the plan.
• Covers newborn vaccination and related costs.
• No limit on in-patient care.
• Covers pre and post-hospitalization expenses.
• Includes AYUSH treatment costs

4. CARE JOY MATERNITY INSURANCE PLAN

This plan gives maternity benefits to expecting mothers and their infants. This maternity benefit is available to females between the ages of 18 and 65. Benefits offered by this plan are:

• Covers pre and post-natal expenses.
• The waiting period for maternity benefits is 9 months to 2 years.
• Covers newborn diseases like Down syndrome.
• Provides a private AC room for pregnant women during treatment.
• Covers vaccination and ambulance costs

5. FUTURE GENERALI HEALTH POWHER PLAN

This plan covers expenses relating to the wellness program, menstrual care, and nutritional advice for the women. Some of its other benefits are:

• Covers maternity, sterilization, and infertility expenses.
• Covers menopause and puberty-related disorders.
• Provides support for miscarriage and plastic surgery costs.
• Covers cataract and bariatric surgery expenses.
• Offers help with senior care and personal accident costs.

6. ADITYA BIRLA ACTIVONE MATERNITY PLAN

This plan is specifically for maternity expense coverage of pregnant women. The limit for delivery expenses is 50,000 INR. Here are some benefits they offer:

• You can get cashless treatment anywhere in the country.
• Pre and post-hospitalisation expenses are covered.
• 100% healthcare return is provided by being active for 325 days.
• There is no limit on room rent expenses at the time of pregnancy.
• The maternity waiting period is a minimum of 3 months.

Conclusion

Health insurance is very important for women, especially after the age of 40, when the risk of serious health issues increases. The plans discussed above help to cover medical expenses and ensure the best treatment without financial stress to the female. Remember, investing in the right health insurance today will give you peace of mind and financial security for the future.

If you are still unsure how to choose the right plan for you, contact our expert team. We are here to help you in every way we can.

Buy a plan, get secure, and live peacefully!