Women have greater longevity and have different health issues. But in most households they are covered in family floaters held by husbands. To add insult to injury, many women are not cautious about their own health. Increasing lifestyle diseases, women specific ailments and medical care, infertility treatments, etc take their toll on family finances, which is why specific health insurance plans for women are gaining in popularity today.
Here are some of the top health insurance plans for women, covering her against any health related eventualities.
1: TATA AIG Wellsurance Woman: TATA AIG Wellsurance Woman is a natural contender for being one of the top health insurance plans for women as it offers protection against 11 critical illnesses with cashless hospitalization in over 3000 networked hospitals. What’s more, the plan comes with a host of advantages including convalescence benefits, post hospitalization treatment and a daily cash benefit.
2: Apollo Munich NEW iCan Cancer Insurance for Women: Apollo Munich NEW iCan Cancer Insurance for Women offers coverage for cancer treatment expenses with a sum assured from 5 to 50 Lakhs. In addition, the policy offers protection against both conventional as well as advanced treatments making it a popular women-centric health cover.
3: Bajaj Allianz Women Specific Critical Illness Insurance: Bajaj Allianz Women Specific Critical Illness insurance plan offers coverage and protection against 8 women-specific diseases. This makes the policy one of the most popular women-centric health plans. Specifically, some of the added incentives offered include congenital disability benefits up to age 40 for up to 2 deliveries and an education bonus and loss of employment cover.
4: Reliance HealthGain Health Insurance: Reliance HealthGain Policy offers the choice between an individual plan and a family floater plan. Interestingly, the policy comes with a 5% discount for single women or women having girl children to make the policy much more pocket friendly in the long run. Besides, the policy offers cashless hospitalization, reimbursement, pre- and post-hospitalization expenses, and the option to choose multiple add-on features.
5: New India Asha Kiran Policy: New India Asha Kiran Policy is a health insurance plan aimed at couples with a special concession for couples with a girl child. In specific, the policy has a provision for including the second newborn baby girl while offering accident cover for proposer and the spouse. Sum assured is available from Rs. 2 Lakhs to Rs. 8 Lakhs. Importantly, the policy covers 11 critical illnesses, specified day care treatments, pre- & post-hospitalization as well as non-allopathic treatments. However, any pre-existing diseases are excluded till 48 months from the policy date.
Popular Women Health Insurance Plans at a Glance
|Health Insurance Policy||Sum Assured||Benefits/Coverage||Features||Pre ExistinDiseases|
|TATA AIG Wellsurance Woman||
· Classic Plan with coverage up to Rs. 1.5 Lakhs (Rs. 3 Lakhs for cancer)
· Supreme with coverage up to Rs. 2.5 Lakhs (Rs. 5 Lakhs for cancer)
· Elite with coverage up to Rs. 3.75 Lakhs (Rs. 7.5 Lakhs for cancer)
|11 critical illnesses including cancer||
· Cashless hospitalization 3000+ network hospitals
· Daily hospital cash benefit, convalescence benefit
|Apollo Munich NEW iCan Cancer Insurance for Women||Rs. 5 – Rs. 50 Lakhs||Coverage for cancer treatment expenses||
· Conventional and Advanced treatments
· Second opinion
· Pre & post-hospitalization coverage
|120 days from policy commencement date|
|Bajaj Allianz Women Specific Critical Illness Insurance||
Rs. 50000, Rs. 1 Lacs, Rs. 1.5 Lacs & Rs. 2 Lacs
|Protection against the risk of 8 critical illnesses.||
· Tailor made plan for females
· Add on benefits like children education bonus and loss of job expenses
· Lifetime renewal facility
· Insured is not covered for the 8 diseases under this policy for the first 90 days of the policy.
· Other Pre-existing diseases are not covered
|Reliance HealthGain Health Insurance||
Rs. 3 Lakhs
· In-Patient Treatment
· Day Care Treatments
· 5% discount for single women
· No-Claim Bonus Benefits
· Cashless Hospitalization
· 5% Discount for independent women
· Auto refill of Sum Insured
|After 36 months|
|New India Asha Kiran Policy||Rs. 2 Lakhs to Rs. 8 Lakhs||daughters in the age group of 3 to 25 years included if they are financially dependent||
· Day care treatments covered
· Offers Personal accident expenses
· Hospital cash benefit