Which is the Best Health Insurance for Females in India

 “Best Health Insurance for Females”

Best Health Insurance for Females ichhori.com

Women suffer from stress-related illnesses and lifestyle diseases as a result of their sedentary lifestyle. They are more susceptible to health problems after the age of 40. Women have a higher risk of developing critical illnesses such as arthritis, irregular blood pressure, diabetes, auto-immune diseases, osteoporosis, and so on. Women are more vulnerable to bone diseases and breast cancer than males. The fear of pregnancy-related illnesses is primarily experienced by women. Women's health is under a lot of stress in these modern times, making them prone to cardiovascular diseases, lifestyle disorders, and even minor conditions that might turn into chronic illnesses.

Given these facts, it appears self-evident that women, like men, require health insurance. Insurers are taking major steps to meet the health insurance needs of Indian women. Women's health insurance plans are now available on the market, developed particularly for their medical requirements. These plans are specifically intended to cover ailments that a woman is more susceptible to getting over her lifetime.

What are Women Health Insurance Plans?

Women's health insurance plans are a set of insurance policies that have been specifically created and hand-picked to fulfil the needs of women at various stages of their life. Women's health insurance policies, for example, assist women by providing retirement security as well as health coverage for their children's education, allowing them to keep their life savings and investments. The good news is that inexpensive women's health insurance plans cater to these women's specific needs. Women's health insurance policies are more popular than ever before in today's world. Several general and health insurance firms are now offering beneficial women's spending policies. These plans are created by health insurance providers with women's needs and health concerns in mind. This implies that most women's health insurance policies cover pregnancy, childbirth, and related healthcare costs, as well as illnesses that women are more susceptible to beyond a certain age.

According to a recent survey, Only 39% of 1,009 women surveyed have health insurance. Only 22% had bought insurance for themselves, with the remainder relying on policies purchased for them by male relatives or employers.

Best Health Insurance policies for Women

  1. Bajaj Allianz Women-Specific Critical Illness Insurance Plan

This health insurance plan offers financial protection against eight critical illnesses that women are more susceptible to:

  • Cancer cover: Breast cancer, vaginal cancer, cervical cancer, ovarian cancer, fallopian tube cancer, uterine/endometrial cancer, paralysis, and burns are some of the important ailments covered under cancer cover.

  • Congenital disability cover:  in the event of a congenital disability, the insured is entitled to 50% of the sum covered.

  • Coverage for job loss: Working women who lose their jobs three months after being diagnosed with a severe illness will get a special amount.

This plan has a minimum entry age of 21 years and a maximum entry age of 65 years. This health insurance plan covers a range of Rs. 50,000 to Rs. 2 lakh in insurance. A child education bonus of up to Rs. 25,000 is also available for one or more children. This plan's claim settlement ratio is 91.67%. The insurance has a one-year term with the option of lifelong renewal.

  1. TATA AIG Wellsurance Women Health Insurance Plan

TATA AIG Wellsurance provides comprehensive coverage for:

  • 11 critical diseases, including cancer.

  • Cashless hospitalisation is available at network hospitals across India. 

  • Daily hospital cash benefits are also included. 

  • Convalescence benefits are also offered 

  • Post-hospitalization treatments can be claimed

  • The benefit of cosmetic reconstructive surgery for accidental injuries is also paid for. 

  • Income tax benefit under section 80D, also comes with value-added services including a free health helpline, discounts at health and wellness centres, and health check-ups.

The plan's minimum and maximum entry ages are 18 and 65 years, respectively. The insured sum ranges from Rs. 1.5 lakh to Rs. 7.5 lakh. The settlement ratio for claims is 96.01%. The insurance has a one-year term with the option of lifelong renewal.

  1. Reliance Health Gain Policy

Reliance Health Gain is a health insurance policy that may be purchased as an individual or as a Family Floater. The insured can receive cashless treatment at network hospitals, and the insurer covers the cost of treatment for covered illnesses. Furthermore:

  • The insurance is meant to give a 5% premium discount to single women or girl child.

  • The insured can claim up to 50% of the total covered, or a maximum of Rs. 5 lakh, for organ donor expenditures.

  • The insurance also covers the costs of domiciliary hospitalisation.

  • Upon exhaustion, the coverage amount is restored.

  • It is possible to acquire an insurance in easy installments.

The plan's minimum and maximum entry ages are 91 days and 65 years, respectively. The claim settlement ratio is 106.54%. The policy term is for one or two years, with the option of a lifetime renewal. 

Specific diseases, pre-existing diseases, and emergency ambulance allowance are also included in the plan, as are online services such as preventive appointment booking, personalised nutrition plans, and health risk assessments; accidental death cover for no-claim restoration; restoration of the sum insured; and a bonus for a claim-free year.

  1. Care Joy Maternity Health Insurance Plan

Hospitalization and maternity expenses, as well as the new born infant, are covered by Care Joy.

  • There are two variants of this health insurance plan: Joy Today and Joy Tomorrow.

  • The Joy Today plan's sum insured varies from Rs. 3 lakh to Rs. 5 lakh. It covers maternity expenses after a nine-month waiting period. After a 24-month waiting period, maternity expenditures are covered under Joy Today.

  • Joy Tomorrow provides comprehensive coverage, as it also covers birth defects in newborn babies.

  • This policy is available to anyone starting on Day 1 and up to 45 years old.

  • Inpatient hospitalisation benefits include room rent, ICU charges, boarding and nursing expenses, pre and post hospitalisation benefits, and pre-natal and post-natal expenses, to name a few.

  • It also covers the costs of normal and cesarean deliveries, as well as post-delivery care and vaccinations.

The insurance has a three-year term with a lifetime renewal option, and the incurred claims ratio is 55%.

  1. HDFC Ergo My: Health Suraksha Plan

It is a comprehensive health plan that covers nearly every illness that a woman could have in her lifetime. The following are the various plan options and their coverage benefits:

  1. HDFC Women Cancer Plus Plan

This health insurance coverage for women covers cancer treatment as well as other illnesses.

  • These plans include amount insured options ranging from Rs. 1 lakh to Rs. 1 crore.

  • Breast cancer, cervical cancer, fallopian tube cancer, uterine cancer, vulvar cancer, ovarian cancer, and other major cancers are all covered in this plan.

  • In the event of early-stage breast cancer or cervical uterine cancer, the insured receives 25% of the total insured, up to a maximum of Rs. 10 lakh, to begin treatment.

  • Rheumatoid Arthritis and Systemic Lupus Erythematous with Lupus Nephritis are two major illnesses/auto-immune disorders covered.

  • Unique coverage is available, such as job loss due to illness and reduced premium advantages.

  1. Women Critical Illness Essential Plan

Major illnesses, cancer, surgeries, and heart problems are all covered in this plan. Major diseases and treatments are subject to a 90-day waiting period. Minor diseases and treatments are subject to a 180-day waiting period. In the event of maternity complications, the insured can make a claim for pregnancy and new-born-related expenses after one year.

  1. Women Critical Illness Comprehensive Plan

This health insurance plan from HDFC Ergo is designed to protect women against cancer. For cancer treatment, the policy provides a 100% sum insured. The plan also covers the first heart attack, open chest CABG, pacemaker insertion, angioplasty, and a variety of other procedures.

  1. Women Cardiac Plan

This plan includes coverage for heart problems and related medical procedures.

  1. Women Assault and Burns

Bodily injuries resulting from burns and assault are also covered by HDFC Ergo.

  1. New India Asha Kiran Health Plan

This health insurance policy is for parents who only have one daughter. This policy is available to persons between the ages of 18 and 65.

  • A dependent unmarried daughter or a mentally challenged daughter are exempt from the upper age restriction.

  • If the insured is diagnosed with a serious illness during the policy term, a 10% extra sum covered is provided.

Insurance is a tool that protects you and your family in the event of a disaster. It also helps you save money on taxes by allowing you to take advantage of different deductions and exemptions. There are several excellent health insurance plans available for women on the market. A few factors must be considered in order to determine which is the greatest alternative. Compare suitable women's health insurance policies, check consumer reviews on the portal, and select the appropriate sum covered. These considerations will guide women through the process of selecting the best option.


  1. https://www.tataaig.com/health-insurance/women-health-insurance

  2. https://www.coverfox.com/health-insurance/women-health-insurance/

  3. https://www.policyx.com/health-insurance/articles/health-insurance-plans-for-women-in-india/

  4. https://www.hdfcergo.com/blogs/health-insurance/importance-of-health-insurance-for-women

  5. https://www.turtlemint.com/health-insurance/articles/7-best-health-insurance-policies-for-india-women-in-2021/

  6. https://www.insurancedekho.com/health-insurance/articles/top-women-health-insurance-plans-in-india-537#popup

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