Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Women’s Health Insurance ensures comprehensive coverage for maternity and critical illnesses. Secure your health with a plan designed to meet your healthcare needs.
Reasons to Choose Care Health Insurance?
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Women’s Health Insurance is a type of health insurance specifically designed to address the unique healthcare needs of women. It covers a wide range of diseases which are more exclusive to women including breast cancer, cervical cancer, reproductive health and maternity care.
Women are among the strongest people. With gender roles being redefined, they have constantly outshone themselves in every aspect of their lives. Yet their needs are often overlooked- mostly by themselves. Sometimes, a busy lifestyle and at other times, overwhelming responsibilities take over.
Going through hormonal changes every month while still leading each day with a bright smile is not easy, yet this is what women have been doing. Therefore, when it comes to their health and well-being, having a health insurance plan keeps them covered.
Here are the top features that the best health insurance policy for women must include:
One of the most appealing features of women's health insurance is that it allows you to get cashless treatment at network hospitals. So the next time a medical emergency strikes, you won’t need to worry about upfront expenses.
Pre, hospitalisation and post-hospitalisation expenses can easily burn a hole in your pocket. Buying a women’s health insurance policy will provide coverage for all three of them
Women’s bodies go through a lot of hormonal changes, especially after their 40s. Therefore, annual health checkups are highly recommended to ensure early detection of health issues allowing for treatment before the illness progresses.
Motherhood is considered one of the most sensitive and rewarding phases of a woman’s life. However, the pre and post-natal care expenses can make it overwhelming. With the help of maternity insurance, you can rest assured that these expenses along with delivery, post-delivery, and vaccinations are covered.
Some of the top benefits of purchasing health insurance for women include.
Medical emergencies come unannounced. Considering the rising medical expenses in India, having women’s health insurance safeguards you against sudden expenses that can burn a hole in your pocket.
Another benefit of women’s health insurance is a tax deduction of Rs. 50000/- under section 80 D, of the Income Tax Act 1961, depending on the age and income of the policyholder.
Buying women's health insurance gives you financial freedom by helping cover unexpected medical costs. It reduces the burden of paying large bills out of pocket, allowing you to focus on recovery instead of worrying about the expenses.
Women who fall under any of the categories below should consider purchasing health insurance:
The eligibility criteria for women’s health insurance plans vary as per the following factors:
Here are the documents required to purchase health insurance for women:
Here are the steps you can follow to purchase health insurance for women.
Here are the common aspects covered under a women’s health insurance policy:
Some of the most common exclusions from women’s health insurance policy include:
As women age, the risk of health issues increases, resulting in higher premiums. Insurers often adjust premiums based on their age, with older women facing higher costs for their health insurance due to their increased risk of developing health risks.
Pre-existing medical conditions, such as diabetes, heart disease, or reproductive health issues can also affect the cost of health insurance premiums. Women facing such conditions might face higher premiums or might be required to pay out-of-pocket for treatment.
Poor lifestyle habits such as smoking and alcohol consumption are closely monitored while purchasing health insurance for women. These habits can significantly lead to heart, liver and respiratory diseases. As a result, it becomes challenging to purchase health insurance as the chances of rejection and restricted coverage arise.
Claiming health insurance for women is a simple process that can vary depending on your insurer. Here’s a breakdown of our claim process:
Before anything, review your policy to understand what’s covered, like maternity care, screenings, or treatments for specific health conditions.
Collect documents like your policy number, medical bills, test reports, and any other documents the insurer asks for.
You can usually submit a claim online and attach all the necessary documents for a smoother process.
Once submitted, the insurer will review the claim. If approved, they'll either settle the bills directly with the hospital (cashless) or reimburse you after you've paid them upfront.
If there’s any delay or issue, you can contact us to check the status of your claim.
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Yes, many health insurance plans include coverage for pregnancy and childbirth. Some plans may have a waiting period before maternity care kicks in, while others may offer coverage right away, depending on the specific terms of your policy.
Yes, maternity coverage comes with a waiting period. Our health insurance plan provides maternity and newborn coverage- Care Joy has a waiting period between 6 to 9 months after purchasing the policy.
Yes, women’s health insurance can be renewed even after pregnancy, but you may need to wait until your policy’s renewal date. Also, many insurers provide lifelong renewability benefits, allowing you to maintain the coverage as you age.
While general health insurance covers numerous health conditions for both men and women, women’s health insurance specifically focuses on gender-specific issues such as maternity, breast cancer and reproductive health which are not always covered in general insurance policies.
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^^Number of Cashless Healthcare Providers as of Feb 2025
**Number of Claims Settled as of Dec'24
^10% discount is applicable for a 3-year policy
Premium calculated for an individual (Age 18) for sum insured 5 Lakhs in Zone 2 cities.
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