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Understanding Female Health Insurance
Women take all roles in life with confidence, but what happens when their health starts getting bad? In India, women tend to face more health issues than men, regardless of their age. From maternity health issues and complications to mental health, malnutrition and menopause, the list of health concerns for women is endless.
So, how do you secure your finances while handling these health issues? With good health insurance for women. With the best health insurance for women, you can keep a check on your health and well-being. Health insurance for women is a type of health policy designed to offer maximum financial coverage for women's specific health concerns.
As opposed to standard health insurance, which offers coverage for all types of medical expenses, a women's health insurance policy focuses on financial assistance for specific procedures related to women’s health.
This is in addition to the basic coverage for general medical needs. Within an insurance policy for women, you can get coverage for -
- Reproductive health - diagnostic tests, gynaecology-related exams, etc.
- Maternity and childcare
- Preventive care support - health check-ups, screenings, etc.
- Mental health support
- Women-specific issues such as Polycystic Ovary Syndrome (PCOS), endometriosis, etc.
Why Women Choose Us?
With IndusInd General Insurance (formerly Reliance General Insurance), you get high-quality healthcare services in Kerala, along with protection from unexpected healthcare costs.
Up to 40% Discount*
More coverage & more savings!
20+ Add-On Covers*
Customise your plan to your needs
AYUSH+Modern Treatments*
Get 100% SI coverage on both*
24/7 Customer Support*
Quick support anywhere
Importance of Women’s Health Insurance
Unexpected health issues are both mentally and financially draining. Often, women either do not take their health as seriously or ignore the warning signs until it becomes very serious. This makes it difficult to get the right treatment on time and also attracts a higher medical bill. With a women's health insurance policy, you can take complete control of your health with the right treatments without worrying about rising medical costs. Here is why health insurance for women is necessary.
Financial Support
One of the top benefits of women’s health insurance is financial protection during medical emergencies. A health plan reduces your financial burden during unexpected medical situations.
Preventive Care Assistance
Most women’s health insurance plans offer preventive care support, such as tests, screenings and check-ups, to help detect health issues at early stages.
Access to Quality Services
With a health insurance plan for women, you can get quality medical treatments for your health issues without spending a lot of money.
Customised Plans
You can also customise your health insurance policy for women with specific add-ons to increase coverage based on changing needs and health issues.
Added Peace of Mind
With health insurance for women, you benefit from added peace of mind. This is because you have a financial safety net to fall on during emergencies.
Types of Women’s Health Insurance Plans at IndusInd General
IndusInd Health Infinity Insurance
Basic Coverage:
It offers affordable and extensive coverage for many medical conditions and issues.
Benefits for Females:
You can combine maternity and childcare coverage with other add-ons to this plan for specific women-related needs.
IndusInd Health Gain Insurance
Basic Coverage:
It offers comprehensive financial coverage for a wide range of medical concerns and treatment costs.
Benefits for Females:
You can combine maternity cover, childcare cover and other add-ons to this plan for specific women-related needs.
IndusInd Critical Illness Insurance
Basic Coverage:
It offers a lump sum amount towards a diagnosed critical illness.
Benefits for Females:
With this plan, women can get necessary treatments and other financial support to compensate for loss of income. Illness-related expenses, etc.
IndusInd Health Global Insurance
Basic Coverage:
It offers global financial coverage for medical costs incurred during international travel.
Benefits for Females:
Women can get financial support for planned treatments abroad. This is also beneficial for women travelling to another country for work, education, etc.
IndusInd Health Super Top-Up Insurance
Basic Coverage:
It acts as a backup plan to your existing health insurance policy for women for additional financial protection.
Benefits for Females:
Women can get extensive pregnancy, childcare and body-related treatments without worrying about the medical bills with this additional top-up plan.
Features of Reliance Health Insurance for Women
Women’s Health Insurance Features | Details |
|---|---|
Affordable Premiums | Premiums starting from ₹243/month* |
Comprehensive Coverage | Enjoy extensive financial coverage for all your medical needs, including critical illnesses, hospitalisations, treatment expenses and more. |
Maternity Cover | Get the right treatment with our maternity cover add-on that is designed to help mothers-to-be with all their needs. |
Child Care Support | Get up to ₹1,000 daily cash for child care support (for a maximum of 30 days after at least 72 hours of hospitalisation). |
Preventive Care | Benefit from vaccination cover of up to ₹3,000 and health check-up cover for up to ₹3,000 with women’s health insurance. |
Cashless Everywhere | File a cashless claim at any hospital of your choice in India. |
Discounts | Various discounts for women, such as 5% for a girl child or female proposer, 10% for online policy purchases, 7% for long-term plans, etc. |
Flexible Policy Tenure | 1/2/3 years |
Online Convenience | Buy, renew and file claims online with our user-friendly website and dedicated Reliance Self-i App. |
Paperwork for Women Care Policy | Minimal to Zero |
24/7 Customer Support | Get instant resolution for all doubts and queries. |
Women's Health Insurance Policies - Inclusions & Exclusions
What is Covered?
Pre- and post-hospitalisation expenses
Inpatient treatments
Outpatient treatments (some plans require OPD cover as an add-on)
Medicine expenses
Specialised surgeries and treatments (with IndusInd Health Infinity)
Daycare procedures
Domiciliary treatments
AYUSH benefits
Wellness programs and support
Ambulance charges (including intercity transfers)
Diagnostic tests
Preventive care (screenings, medical check-ups, etc.)
Cancer treatments
What is Not Covered?
Self-inflicted injuries
Illness or injury due to alcohol or substance abuse
Certain Pre-existing conditions (depends on women's health policy details)
Claims during waiting periods
Claims for policy exclusions
Cosmetic surgeries and treatments
Gender change surgeries
Weight management or obesity control support
Rehabilitation and rest expenses
Disclaimers: These are only a general list of inclusions and exclusions. Coverage options and limits will be subject to based on your chosen policy. For the complete list of Inclusions and Exclusions, please refer to the policy wording here.
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Tips for Choosing Women’s Health Insurance
Assess Your Budget and Needs
Understand your coverage needs depending on your age, lifestyle habits, medical conditions, etc. Moreover, set a budget for health insurance premiums.
Compare Women’s Health Insurance Plans
Depending on your needs, compare different plans to assess which plan best meets your budget and coverage needs.
Check Policy Inclusions
Carefully check the policy inclusions to determine if your requirements are met and if you get financial protection for your medical needs.
Online Claim Convenience
Check for the availability of online processes for claim filing and tracking for maximum convenience.
Claim Settlement Ratio
The best insurance plans for women are offered under insurers with a high claim settlement ratio.
Review Policy Document
Carefully check the policy document and wording to understand the terms, conditions and eligibility criteria for claims.
Check Add-ons
To find the best health insurance for women, check for insurers and policies that allow customisation for specific needs.
Review Customer Support
Another criterion for selecting female health insurance is checking for customer support. Go for an insurer that offers 24/7 customer support.
Eligibility for Women’s Health Insurance Plans
Eligibility Criteria For Female Health Policy | Details |
|---|---|
Age | Children - 90 days to 25 years |
Initial Waiting Period | 15 to 30 days |
Waiting Period for Pre-Existing Conditions | Up to 36 months (can be reduced with policy-specific add-ons) |
Medical Screening | Pre-medical screening may be required depending on your age, medical conditions and choice of women’s insurance plan. |
How to Buy Women’s Health Insurance Online?
Step 1
For buying health insurance for women, visit our website.
Step 2
On the homepage, select “Health” on the screen, enter your name, mobile number and area code, and then click on “View Prices”
Step 3
Add the OTP sent on your mobile phone in the space provided.
Step 4
On the next page, Select the type of coverage and health plan and combine add-ons as required.
Step 5
Check the final premium quote and make the payment to buy the best health insurance for women.
Required Documents for Women's Health Insurance
Proof of Income - salary slips, bank statements, ITR, etc.
Proof of Identity - Aadhaar card, PAN card, passport, etc.
Proof of Address - Aadhaar card, passport, utility bills, etc.
Proof of C-KYC completion according to the IRDAI guidelines
Previous policy details
Medical reports
Photographs
Other required papers for women's insurance requested by the insurer.
Factors to Consider When Buying Health Insurance for Women
Policy Inclusions
One of the main things to consider for women's insurance is policy inclusions. Every policy has a different list of inclusions, so you must check them before purchasing any plan.
Insurer’s Market Image
Check an insurer’s market image by reading online reviews, customer testimonials, etc. This will help you select a reliable health insurance provider for your needs.
Insurer’s Claim Settlement Ratio
Check an insurer’s claim settlement ratio to make the final decision. A higher claim settlement ratio promises timely settlements.
Claim Convenience
Review the process of filing and tracking claim requests. Choose an insurer that offers online convenience and both cashless and reimbursement claim options.
Discounts
Many insurers like Reliance General offer numerous discounts on their health insurance plans. Do your research to enjoy lower health insurance premiums.
Policy Tenure Flexibility
Depending on your coverage needs, you can opt for a longer policy tenure with your health insurance policy. Thus, you must check for policy tenure flexibility before making a final decision.
Factors Affecting Health Insurance Premium for Women
Age
Your age directly impacts your health insurance premium. Younger women benefit from lower premiums due to a reduced risk of health issues than older women with a higher risk.
Pre-Existing Conditions
If you have any pre-existing conditions, your health insurance premium will be higher. This is because pre-existing illnesses increase your risk of contracting other diseases.
Medical History
The premium for good health insurance for women may be higher for women with a history of certain medical conditions than for women with no alarming medical history.
Family Medical History
If you have a family medical history of common diseases like diabetes, thyroid, high blood pressure, etc., your premium may be higher, and vice versa.
Add-Ons
The best health insurance for women comes with an extensive list of add-ons. However, the more add-ons you combine with your base female health insurance coverage, the higher your premium will be.
How to File a Claim Under Women’s Insurance?
Cashless Claim Process
Step 1 - Inform us about the claim by calling +91-22-1800-3009, sending an email or downloading our Reliance Self-i App.
Step 2 - Next, visit any network or non-network hospital and fill out a pre-authorisation form. We will then evaluate it.
- Step 3- Once done, get the desired medical treatment completed.
- Step 4- Submit all the medical reports and bills to the hospital so they can share them with us.
- Step 5- We will verify your records and bills and then settle the applicable claim amount directly with the hospital.
Reimbursement Claim Process
- Step 1 - Inform us about the claim by calling +91-22-1800-3009, sending an email or downloading our Reliance Self-i App.
- Step 2 - Go to any hospital and get the desired treatment.
- Step 3- Pay the medical bills and collect their copies for submission.
- Step 4- Once you submit the bills, we will evaluate your claim for a decision.
- Step 5- When approved, the applicable claim amount will be reimbursed to your registered bank account.
Tax Benefits of Women’s Health Insurance
Similar to health insurance premiums, which are eligible for tax deductions under Section 80D of the Income Tax Act, women’s insurance policies are also eligible for these deductions. The tax advantages for women’s insurance also include tax deductions on the premium payments, and the details of the same are as follows
Tax Deductions | Amount (In ₹) |
|---|---|
For self below 60 years | Up to ₹25,000 |
For self, spouse and children (all below 60 years) | Up to ₹25,000 |
For self, spouse and children below 60 years and parents below 60 years | Up to ₹50,000 |
For self, spouse, and children below 60 and parents above 60 years | Up to ₹75,000 |
For self, spouse, children and parents all above 60 years | Up to ₹1,00,000 |
Maternity vs Comprehensive Health Insurance for Women
Parameters | Maternity Health Policy | Women Health Insurance |
|---|---|---|
Scope of Coverage | It offers coverage for maternity-specific needs such as pregnancy, child care, childbirth, and postnatal care needs. | It offers coverage for a wide range of women-specific conditions and illnesses. |
Ideal for | New mothers or women who are planning to conceive soon and are looking for the right kind of insurance. | Women of all ages who want to secure their health and finances during medical emergencies. |
Availability | Most insurers in India offer maternity health insurance for women as part of their comprehensive plans, either as standard inclusion or as an add-on cover. | Comprehensive women's health insurance policies are widely available around India and cater to all medical needs under the same plan. |
How Do Women's Health Needs Differ from Men's?
Women Health Needs
Women’s health needs change with time due to the various changes their body undergoes with each passing year.
From hormonal fluctuations and increasing risk of breast cancer to pregnancy and gynaecological health concerns, women’s health needs require constant monitoring and screening.
Some of the common health concerns that are most prevalent in women today include:
- Ovarian and breast cancer
- Endometriosis
- Urinary tract infections (UTIs)
- Osteoporosis
- Pregnancy-related complications
- Hormone-led hyper and hypothyroidism, etc.
Thus, for women’s health needs, health insurance is a crucial investment. With women’s health insurance, you can get financial coverage for preventive care such as screenings, check-ups, pap smears, mammograms, etc.
In addition, you also get maternity coverage with some plans for added financial protection.
Men’s Health Needs
Men’s health needs also evolve with time. With age, men’s health also takes a toll due to many factors, including lifestyle habits, mental health challenges, lack of nutritional foods, etc.
Some of the common health concerns that are most prevalent in men today include -
- Prostate cancer
- Diabetes
- Heart diseases
- Kidney-related issues
- Stress-induced blood pressure concerns
- Other cancers
- Erectile dysfunction, etc.
Both men and women have their share of health needs. However, a comprehensive health insurance policy is designed to cater to the different needs of men’s health and well-being.
On the other hand, women with maternity and childcare needs might need to incur a higher premium and have limited policy options to choose from for financial support.
IndusInd General Insurance
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Get health insurance starting at ₹243/month*!
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Get cashless care at Maharashtra’s leading hospitals without payment hassles. With IndusInd General Insurance, enjoy instant access to quality healthcare across the state.*
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Disclaimer:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
Claim Settlement: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Premium: The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).
Health Infinity UIN: The details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223
Health Gain UIN: The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122
Health Super Top-Up UIN: The details mentioned above are for Reliance Health Super Top Up. UIN- RELHLIP21617V012021.
Heath Global UIN: Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324
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