Women Health Insurance

Women’s health insurance offers maternity benefits, preventive care, and critical illness coverage. Know about the benefits, coverage, and how to choose the right plan.
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3 mins
31-March-2025

Today, more and more women are moving towards financial independence, and investing in women’s health insurance is a smart and empowering step in that direction. Solid financial planning lays the foundation for a secure and healthy future, and choosing the right health insurance is a crucial part of that journey. It helps you stay prepared for medical emergencies without dipping into your savings—giving you the confidence to focus on your goals.

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What is a women health insurance?

Health insurance plans for women are specifically designed to cater the medical needs of women at every stage of life. These policies cover all medical-related expenses such as hospitalisation, pre-and post-hospitalisation, pregnancy, childbirth and more. Furthermore, you can customise a comprehensive health insurance policy for women as per your needs to get the full benefit of the policy.

Why women health insurance is important?

Women health insurance policies act as a safety net that enables you to take care of your health without worrying about finances. Here are some benefits of health insurance for women.

● Cashless hospitalisation

Cashless treatment is one of the most preferred services in health insurance policies. It gives you the required backup to undergo any treatment without stressing about the availability of funds. A cashless facility also eliminates the hassle of undergoing lots of paperwork at the hospital. So, you can only focus on your treatment and recovery.

You can avail of this facility at any of the insurer’s network hospitals. Inform the insurer about your planned admission two days before hospitalisation and in case of emergency, within 48-72 hours. The network hospital and insurer will take care of all the formalities and the bills will be settled directly.

● Pre-and post-hospitalisation costs covered

Health insurance policies for women cover the expenses for any doctor consultations, treatments or diagnostic tests taken before and after hospitalisation. This coverage is offered for a specific duration. Most health insurance companies offer pre-and post-hospitalisation coverage for 30-60 days before and 60-90 days after hospitalisation. This may vary from insurer to insurer. Know more about pre-and post-hospitalisation expenses online.

● Covers recurring costs

Women who are 40 years of age or above are more likely to be diagnosed with serious and chronic illnesses. Such conditions call for ongoing medicine, therapies, and chemotherapy. Women's specific health insurance covers the continuous medical expenses associated with treating these conditions. Therefore, it guarantees the finest care possible both now and after retirement.

● Yearly health check-ups

Medical insurance aids in women's fitness. It provides free annual health examinations, which helps keep a track of health records. You can monitor your own health and take preventive steps to stay healthy with these regular check-ups.

● Maternity coverage

Women’s health insurance policies offer essential support for your maternity journey—covering vaccinations, pre- and post-natal care, normal delivery, caesarean sections, and even treatments for pregnancy-related complications or medically necessary terminations (up to two instances).

Planning or expecting? Make sure your maternity journey is financially stress-free. Get covered from just ₹9.3/day* with plans offering up to ₹10 lakh in coverage. Check Plans Now!

● Tax benefits

You can get tax exemption up to Rs. 50,000 under relevant sections of the Income Tax Act for paying health insurance premiums. The taxable amount, however, depends on your age and income.

Who should get health insurance for women?

Every woman should consider getting health insurance tailored to her needs, especially those with specific health risks like maternity, reproductive health issues, or critical illnesses. Women health insurance ensures financial protection and quality care during emergencies or routine health needs, supporting overall well-being.

Types of women’s health insurance plans

Women’s health insurance plans are designed to address specific medical needs, including maternity care, preventive screenings, and critical illness protection. Here are the major types:

  • Individual health insurance – Covers hospitalization, doctor consultations, and medical expenses for a single policyholder. Ideal for women seeking personalized coverage.
  • Family floater health insurance – Provides a shared sum insured for the entire family, ensuring financial protection for spouses, children, and dependent parents.
  • Maternity health insurance – Covers pregnancy-related expenses, including delivery, prenatal, and postnatal care, with a waiting period before benefits apply.
  • Critical illness insurance – Offers lump sum coverage for serious illnesses like breast cancer and heart disease, helping manage high treatment costs.
  • Senior citizen health insurance - Specifically designed for women above 60, this policy covers age-related medical expenses and long-term treatments—offering the care and financial protection they deserve in their golden years.

Caring for aging parents? Give them the health security they need. Get instant premium quotes from top insurers—starting at just ₹9.3/day* for coverage up to ₹10 lakh. Check Now!

What is covered under a women health insurance policy?

Women health insurance policies provide comprehensive coverage for various health concerns. Key inclusions are:

  • Maternity and newborn care: Covers delivery expenses and postnatal care.
  • Critical illnesses: Coverage for diseases like breast or cervical cancer.
  • Hospitalisation and outpatient expenses: Includes diagnostic tests and treatments.
  • Preventive health check-ups: Regular screenings for early disease detection.

This ensures financial and medical security for women.

What is not covered in a women health insurance policy?

Women health insurance policies have certain exclusions. Common ones are:

  • Pre-existing conditions: Coverage may be excluded or delayed during the waiting period.
  • Cosmetic treatments: Procedures like aesthetic surgeries are not covered.
  • Non-prescribed treatments: Expenses for treatments outside the policy scope.

Always review the policy details for a comprehensive understanding.

Major factors that affect women health insurance

Health insurance for women has become increasingly important, especially considering the rising healthcare costs. When it comes to purchasing women care insurance policy, it's essential to consider a few critical factors that may affect coverage and cost.

  • Age is one of the significant factors that affects health insurance for women. As women age, they are at a higher risk of developing health problems, leading to higher premiums on their policies. Additionally, pre-existing medical conditions such as diabetes or hypertension can impact the cost of health insurance.
  • Lifestyle choices also play a crucial role in determining the health insurance premium. Insurance providers tend to charge higher premiums who have certain lifestyle habits like smoking, drinking alcohol, or having an unhealthy lifestyle.
  • Medical insurance for pregnant women is likely to cost more due to the additional medical attention and care that would be required during pregnancy and childbirth. Women who are planning to start a family should consider investing in a health insurance plan that offers maternity benefits.
  • Single women may need health insurance that offers benefits for preventive care and emergency treatment. The best health insurance for single women would be the one that covers unique healthcare needs. You can customise the health insurance policy as per your needs. The health insurance premium for such policies depends on the coverages and add-ons chosen.

So, by taking these factors into consideration, women can make an informed decision when selecting a health insurance plan.

Worried about unexpected medical bills? Stay secure with a plan tailored just for you. Choose from health insurance options that match your needs. Explore Now!

Eligibility criteria for buying women’s health insurance plans

Here’s the eligibility criteria for buying women’s medical insurance plans.

Category

Eligibility

Age (adults)

18 years to 65 years

Age (dependent children)

91 days to 25 years

Nationality

Indian

Coverage type

Individual/family floater

What is the need of health insurance plans for women?

Women often put the needs of their loved ones before their own. However, it is essential to prioritise their health and well-being by investing in a health insurance plan designed specifically for women.

Women health insurance covers a range of unique medical needs, from routine check-ups and preventive care to reproductive health services. It also includes coverage for pregnancy-related complications and postpartum care.

A women health insurance policy helps to make healthcare more affordable and accessible. Nobody wants to worry about medical bills when coping with a health problem.

So, women must not hesitate to invest in a comprehensive health insurance plan that offers coverage for women-specific health conditions. Peace of mind comes with a well-planned health insurance policy.

How to choose an ideal women's health insurance policy

For their specific coverage needs, women should keep certain factors in mind while choosing health insurance plans for women:

  • Illnesses, like breast cancer, reproductive system complications, and more such cases are specific to women. The medical expenses for treating such ailments can be considerable. So, the health insurance policy for women must cover these specific illnesses.

  • For women, the maternity costs are considerable. Additionally, in case of any complications during childbirth, medical expenses may also increase. To cover these maternity expenses, dedicated women’s health insurance plans to cover such expenses are a must.

  • Women can get tax benefits on health insurance premiums. The exemption is available under section 80D of the Income Tax Act, 1961,

Common myths about women’s health insurance

There are many misconceptions about women’s health insurance that can lead to inadequate coverage. Here are some common myths debunked:

  • Myth 1: Women don’t need separate health insurance
    Reality: Women have unique health concerns, including maternity care and critical illnesses, making specialized coverage essential.
  • Myth 2: Employer health insurance is enough
    Reality:     Workplace policies often have limited benefits, excluding maternity and critical illness coverage.
  • Myth 3: Maternity expenses are covered immediately
    Reality:     Most maternity plans have waiting periods ranging from 9 months to 4 years.
  • Myth 4: Homemakers don’t need health insurance
    Reality    : Medical emergencies can happen to anyone, and financial security is crucial for all women.

Health insurance policy encourages you to access best of the healthcare services without any worry. It largely contributes to your financial independence, as you are equipped to tackle any emergencies or medical requirements. You can choose to buy individual health insurance or a family health insurance policy as per your requirement. Look for a range of comprehensive health insurance policies online on Bajaj Finance Insurance Mall. Bajaj Finance partners with leading health insurance companies to offer comprehensive and affordable health and mediclaim insurance policies.

Also read

Family floater health insurance

What is personal accident insurance

Medical indemnity insurance

Frequently asked questions

How does women's health insurance work?

Women's health insurance plans offer coverage for women-specific medical needs such as preventive care, reproductive health services, pregnancy, and postpartum care. You pay a monthly premium to the insurance provider, and in return, they cover the medical expenses as mentioned in the policy document. Depending on the policy, you may have to pay a deductible, or the insurance provider may cover the full cost of treatment.

Which is the best age to get women's health insurance?

There is no specific age to purchase women's health insurance. However, it's recommended to purchase it at a younger age as premiums tend to increase as you age. Additionally, if you have a pre-existing health condition, it might impact your policy's cost, so you should consider purchasing it at a younger age.

Is maternity cover included in health insurance plans for women?

Yes, most health insurance plans for women include maternity cover. However, the extent of coverage may vary from policy to policy, so it's crucial to read the terms and conditions carefully before purchasing a policy. You can also opt for maternity add-on cover if not included in the health insurance plan for women.

Is there a waiting period for women's health insurance?

Yes, most health insurance policies have a waiting period of 1-3 years. During this time, you may not be able to access certain benefits such as maternity coverage. However, preventive care benefits are usually available without a waiting period.

Can a housewife take health insurance?

Yes, a housewife can take health insurance. Many insurers offer plans specifically designed for homemakers, covering hospitalisation, critical illnesses, and preventive care. These policies ensure financial protection and access to quality healthcare when needed.

What are the key benefits of women’s health insurance?

Women’s health insurance covers maternity, preventive care, hospitalization, and critical illnesses. It ensures financial security with benefits like daycare procedures, wellness programs, and tax savings.

Does women’s health insurance cover critical illnesses like breast cancer?

Yes, many plans cover critical illnesses like breast cancer, cervical cancer, and heart disease. These policies provide lump sum payouts or coverage for treatment expenses.

Are there any special discounts or offers available for women's health insurance plans?

Some insurers offer discounts on premiums, wellness benefits, and add-ons like free health check-ups or maternity care enhancements for women-specific health policies.

Can I add my newborn to my health insurance policy after delivery?

Yes, most health insurance plans allow newborn inclusion after birth, covering vaccinations, hospitalization, and medical care, usually within 30 to 90 days.

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