Women Health Insurance Policy – Definition, Policy, Benefits, Coverages, Companies, Claims, Exclusions, Quotes, Premiums | Buy & Renew Online
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What is Women’s Health Insurance Policy?
A Woman’s Health Insurance Policy refers to Health Insurance Plans specifically designed to address the unique healthcare needs of women. Many women get diagnosed for critical illnesses like Breast Cancer, Ovarian Cancer, Osteoporosis and other medical conditions once they reach the age of 40. Women’s Health Insurance Policies are tailored to cover these specific health conditions which are not covered in a regular Health Insurance Policy. These generally include coverage for reproductive health, maternity care, preventive services, and various women-specific conditions.
What are the benefits of purchasing a Women’s Health Insurance Policy?
- Coverage For Women-Specific Ailments: A Women’s Health Insurance Policy provides coverage for health issues most prevalent among women like PCOD, Uterine Fibroids, Breast Cancer, Cervical Cancer, Vaginal Infections, Menstrual Problems, etc. It also ensures that women have financial support for preventive care and treatments related to these conditions.
- Maternity and NewBorn Care: A significant advantage of Women’s Health Insurance Policy is coverage for maternity expenses and newborn care. Benefits often include coverage for healthcare costs incurred during Pregnancy like Doctor Visits, Diagnostic Tests, Coverage for Ectopic Pregnancies, Pre And Post-Natal Care, , Delivery Charges (Normal or C-section) or Delivery Complications etc. Newborn Baby Covers are also provided in these Policies.
- Preventive Services: It is recommended that women conduct yearly tests for mammograms after the age of 40 and yearly bone density screening after the age of 65. Such preventive measures play a big role in early diagnosis of diseases like breast cancer, cervical cancer, osteoporosis etc.. By providing coverage for these preventive health check-ups women’s health insurance plays a major role in reducing out-of-pocket expenses for women.
- Tax Benefits: Health Insurance Premiums qualify for Section 80D Deductions under the Income Tax Act 1961. Women can benefit from reduced taxable income by purchasing a Women’s Health Insurance Policy, making it a financially sound investment.
Which are the Best Women’s Health Insurance Policies in India?
Here is a list of the best health insurance for female in India:
Star Women Care Insurance Policy
Star Women Care Health Insurance Policy is a Health Insurance Plan designed to address the unique healthcare needs of women across all ages. The Policy offers comprehensive coverage tailored to various aspects of women’s health.
Key Features of Star Women Care Insurance Policy
- Star Women Care Insurance Policy offers various Sum Insured Options from Rs5 Lakhs to Rs1 Crore
- Minimum Entry age of 18 Years and Maximum Entry Age of 75 years
- No Room Rent Limit
- Pre and Post-Hospitalisation Expenses coverage for 60 days - 90 days respectively
- Star Women Care Policy reimburses medical expenses incurred on Assisted Reproduction Treatment upto Rs3 lakhs after a Waiting Period of 36 months. The Insurance Policy pays for one Assisted Reproduction Treatment cycle for each Policy Year.
- Star Women Care Insurance Policy provides a Surrogacy Cover which covers the Inpatient Hospitalization Expenses covering post-partum delivery complications for a period of 36 months incurred for the Surrogate mother up to the Sub-Limits specified under Assisted Reproduction Treatment. The Cover commences from the date of initiation of the treatment/procedure
- Star Women Care Policy provides a Oocyte Donor Cover which covers the Inpatient Hospitalization Expenses for complications arising out of Assisted Reproductive Treatment Procedures, for the Oocyte donor up to the Sub-Limits specified under “Assisted Reproduction Treatment” for a period of 12 months. The Cover commences from the date of initiation of the treatment/procedure
- The Policy covers Modern Treatment Methods upto the Sub-Limits specified in the schedule.
- Star Women Care Policy provides Maternity Coverage of upto Rs1 lakh for Normal Delivery and Cesarean Delivery after a Waiting Period of 12 months for Sum Insured of Rs15 lakhs and above. Pre and Post-Natal Expenses are also covered under the Maternity Coverage.
- Star Women Care Policy also covers the New-Born Baby from Day 1 upto 25% of the Policy Sum Insured while New-Born Defects are covered upto a Sum Insured of Rs1 lakh. From the Second Year onwards, the baby can be covered upto the Policy Sum Insured on payment of applicable premium.
- Star Women Care Plan provides Cover for Miscarriage & Medical Termination of Pregnancy up to Rs40,000 after a Waiting Period of 12 months for Sum Insured of Rs15 lakhs and above
- The Policy provides coverage for Antenatal Care on OPD Basis upto Rs5000 for a Female Insured Person 18 years and above.
- Restoration Benefit upto 100% of the Policy Sum Insured provided for Related and Unrelated Illnesses provided during the Policy Year even if the Sum Insured is partially or totally exhausted.
- Cumulative Bonus of 20% Base Sum Insured up to a maximum of 100% of the Base Sum Insured under the current Policy Year.
- Waiting Period of 24 months for Specific Diseases
- Waiting Period of 24 months for Pre-Existing Diseases
- Waiting Period of 12 months for Maternity Coverage for Sum Insured of Rs15 lakhs and above
- Waiting Period of 36 months for Assisted Reproduction Treatment
- Waiting Period of 36 months for Surrogacy Cover
- Waiting Period of 12 months for Oocyte Donor Cover
- Waiting Period of 12 months for Medical Termination of Pregnancy or Miscarriage Coverage for Sum Insured of Rs15 lakhs and above
- The Premiums are applicable for Section 80D Deduction under the Income Tax Act, 1961
- Lifetime Renewal
HDFC ERGO my:health Women Suraksha Critical Illness - Comprehensive Plan
The HDFC ERGO my:health Suraksha Policy is designed specifically for women, offering comprehensive coverage against minor ailments, major illnesses and critical illnesses as well. The Policy addresses various medical conditions and provides financial support for critical illnesses
Key Features of HDFC ERGO my:health Women Suraksha Critical Illness - Comprehensive Plan
- HDFC Ergo my:health Women Suraksha Critical Illness - Comprehensive Plan offers various Sum Insured Options from Rs1 Lakh to Rs1 Crore
- Minimum Entry age of 18 Years and Maximum Entry Age of 65 years
- No Room Rent Limit
- Pre and Post-Hospitalisation Expenses Coverage for 60 days - 90 days respectively
- The Policy provides a Lumpsum benefit on detection of Cancer, Cardiac Ailments Critical Illnesses etc. after a Waiting Period of 90 days or 180 Days.
- Under the Cancer Cover, if the Insured Person suffers from any of the listed Cancers, whose diagnosis or manifestation first commences after the applicable Waiting Period of 90 days or 180 days, the Policy pays a percentage of Sum Insured as specified to the Insured Person.
- Under the Major Illnesses Cover, if the Insured Person suffers from any of the listed Major Illnesses, whose diagnosis or manifestation first commences after the applicable Waiting Period of 90 days or 180 days, the Policy pays a percentage of Sum Insured as specified to the Insured Person.
- Under the Surgical Procedures Cover, if the Insured Person undergoes any of the listed Surgical Procedures, after the applicable Waiting Period of 180 days, the Policy pays a 25% of the Policy Sum Insured subject to a maximum of Rs10 lakhs to the Insured Person.
- Under the Cardiac Ailments and Procedures Cover, if the Insured Person suffers from any of the listed Cardiac Ailments or undergoes any of the listed Procedures, whose diagnosis or manifestation first commences after the applicable Waiting Period of 90 days or 180 days, the Policy pays a percentage of Sum Insured as specified to the Insured Person.
- Under the Critical Illnesses Cover, if the Insured Person suffers from any of the listed Critical Illnesses/Surgical Procedures, whose diagnosis or manifestation first commences after the applicable Waiting Period of 90 days, the Policy pays the Sum Insured as specified to the Insured Person.
- HDFC Ergo my:health Women Suraksha Critical Illness - Comprehensive Plan offers coverage for Pregnancy Complications and New Born Complications as Add On Covers.
- Under the Pregnancy Complications Add-On Cover, if the Insured Person suffers from any of the listed Pregnancy Complications, whose diagnosis or manifestation first commences after the applicable Waiting Period of 12 months, the Policy pays a percentage of Sum Insured as specified to the Insured Person
- Under the New Born Complications Add-On Cover, if the baby of the Insured Person suffers from any of the listed New Born Complications, whose diagnosis or manifestation first commences after the applicable Waiting Period of 12 months, the Policy pays a 25% of the Sum Insured as specified to the Insured Person
- Waiting Period of 36 months for Pre-Existing Diseases
- Waiting Period of 12 months for Pregnancy Complications Cover
- Waiting Period of 12 months for New Born Complications Cover
- The Premiums are applicable for Section 80D Deduction under the Income Tax Act, 1961
- Lifetime Renewal
Future Generali Health Powher Policy – Supreme Plan
Future Generali Health PowHer Policy is a specialized Health Insurance Plan designed to address the unique health needs of women across all ages. It provides comprehensive coverage for various women-specific health issues including reproductive health, breast health, gynaecological health, hormonal health, bone health, and mental health.
Key Features of Future Generali Health Powher Insurance Policy – Supreme Plan
- Future Generali Health Powher Policy – Supreme Plan offers various Sum Insured Options from Rs25 Lakhs to Rs1 Crore
- Minimum Entry age of 18 Years and Maximum Entry Age of 65 years
- No Room Rent Limit
- Pre and Post-Hospitalisation Expenses coverage for 60 days - 90 days respectively
- Future Generali PowHer Policy provides cover upto the Policy Sum Insured for Cosmetic/Plastic Surgery required to change appearance following an Accident, Burn or Cancer or to remove a direct and immediate health risk of the Insured Person provided that, the requirement of such surgery is medically necessary and certified by a Medical Practitioner.
- The Supreme Plan provides Maternity Coverage of upto Rs1.25 lakhs for Normal Delivery and Rs2 lakhs for Cesarean Delivery. Pre and Post-Natal Expenses are also covered 45 days before admission and discharge from the hospital.
- The Supreme Plan provides Cover for Miscarriage & Medical Termination of Pregnancy up to Rs50,000 after a Waiting Period of 12 months.
- The Policy provides coverage for Antenatal Care upto Rs15000 under the Supreme Plan for a Female Insured Person 18 years and above. The coverage is applicable after a Waiting Period of 24 months.
- Future Generali PowHer Policy also covers the New-Born Baby from Day 1 within the Policy Sum Insured while New-Born Defects are covered upto a Sum Insured of Rs1 lakh.
- The Policy covers Modern Treatment Methods upto the Sum Insured
- Future Generali PowHer Policy also provides Infertility Treatment Cover upto Rs3 lakhs while Cryopreservation Expenses are covered upto Rs20,000. This Cover is applicable only once during the lifetime of the Policy. The coverage is applicable after a Waiting Period of 36 months.
- The Future Generali PowHer Insurance Policy – Supreme Plan also provides a Cancer Cover where the Policy Sum Insured is increased by upto 200% for Female Cancers and 100% for Other Cancers. This cover is applicable only once during the lifetime of the Policy.
- Future Generali PowHer Policy – Supreme Plan provides OPD Coverage of Rs5,000 and Rs15,000 for Puberty and Menopause Disorders for each Policy Year.
- Restoration Benefit upto 100% of the Policy Sum Insured provided for Related and Unrelated Illnesses provided during the Policy Year even if the Sum Insured is partially or totally exhausted.
- Cumulative Bonus of 10% Base Sum Insured up to a maximum of 50% of the Base Sum Insured under the current Policy Year. If a Claim is made under the Health Insurance Policy during any Policy Year, the cumulative bonus benefit will be reduced at the same rate at which it has accrued.
- Waiting Period of 24 months for Specific Diseases
- Waiting Period of 24 months for Pre-Existing Diseases
- Waiting Period of 36 months for Infertility Treatment and Cryopreservation Expenses
- Waiting Period of 24 months for Maternity Coverage
- Waiting Period of 12 months for Medical Termination of Pregnancy or Miscarriage
- Waiting Period of 12 months for Cancer Cover
- The Premiums are applicable for Section 80D Deduction under the Income Tax Act, 1961
- Lifetime Renewal
How to choose the Right Health Insurance Policy for Women?
The Insured should compare the following features when purchasing a Women’s Health Insurance Policy:
- Room Rent Limit: A Health Insurance Policy specifies the maximum Room Rent Limit that is payable under the Policy in the event of a Claim, which is usually specified as a percentage of the Sum Insured. Health Insurance Plans with No Room Rent Capping are preferable even though they are slightly more expensive
- Waiting Period for Pre-Existing Diseases: A Health Insurance Policy provides coverage for Pre-Existing Diseases with a Waiting Period of 3-4 years. It is important to choose a Policy with a lower Waiting Period for Pre-Existing Diseases.
- Pre and Post Hospitalization Expenses: In addition to Hospitalisation Expenses, a Health Insurance Policy also provides coverage for Pre- and Post-Hospitalization Expenses, usually for 30 and 60 days respectively. This means that expenses incurred before hospitalization and after discharge, such as diagnostic tests, doctor consultations, pharmacy bills are also covered under the Insurance Policy.
- Maternity Coverage: A Health Insurance Policy also provides coverage for Maternity Expenses with a Waiting Period of 12 months to 36 months. Maternity Coverage is especially helpful for Women as Maternity Related expenses are substantial today. In addition, the Insured should also check if the Policy provides coverage for Infertility Treatments, Miscarriage or Medical Termination of Pregnancy as these procedures also entail substantial expenses.
- New-Born Baby Coverage: Another important coverage under a Health Insurance Policy is coverage for New-Born Baby from Day 1. New-Born Baby Coverage from Day 1 will be important in case the baby is born with some complications and is need of treatment. New-Born baby Cover will ensure that such expenses are reimbursed.
- Cashless Claims Settlement: Health Insurance Companies have a list of network hospitals where the Claims are settled on a Cashless Basis. Cashless Claims Settlement means that the Insurance Company settles the bill directly with the hospital and the Insured does not need to pay the hospital bill out of his own pocket and later on file a claim with the Insurance Company for Reimbursement.
How to Buy Women’s Health’s Insurance Plan from Qian Insurance?
Women have unique health needs compared to men. Though many health issues affect both genders, women require specific services like maternity care, reproductive health services, menstrual disorder treatments, treatment for Women-Specific Cancers etc. Such treatments can be more comprehensively covered in a Women Specific Health Insurance Plans. At Qian Insurance, we collaborate with top Health Insurance Companies to offer the best Women’s Health Insurance Policies. By analyzing your specific needs—such as whether you want coverage for yourself or your entire family, if you require coverage for specific critical illnesses, or if maternity coverage is essential, we can recommend the most suitable policy tailored to your requirements. You can get best quotes and coverages for your Women’s Health Insurance Plan, email us at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you.
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