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Insurance Policy Exclusively for Women

Women health issues are different as compared to men. Unfortunately, few insurance policies are tailored to cater to the necessities of women. Most women spend the majority of their lives juggling between home and office which leaves them with little or no time for themselves. They are so caught up in looking after their families that their own health issues become the last priority.

Generally, women are more vulnerable to health issues especially after the age of 40. It has been noted that the incidence of critical ailments such as arthritis, irregular blood pressure, diabetes and cancer is higher in women. and so forth. Women are even more susceptible to bone-related disorders and reproductive disorders.

It needs to be understood that only when a woman is in good health, then only she can secure the health of her family. Considering these facts, women also need a medical insurance and the policy should satisfy their specific health needs. Eventually, a woman’s good health condition not only affects its present but also the health of her children. Some issues also appear in the post-pregnancy period which may persist may long time.

Women are at a higher risk when it comes to breast cancer, polycystic ovary syndrome (PCOS), stroke, cardiovascular diseases and obesity.

Breast Cancer and PCOS are becoming a widespread problem nowadays. The main reason is the paradigm shift in lifestyle. Working women find little time to take care of them. It results in negligence of various health symptoms that should be diagnosed and treated early.

Insurance companies have understood the fact and they have started designing plans that are serious towards the needs of women.  Some insurers offer in-built maternity plans, though it’s not very extensive.

Here are two health insurance policies that are designed exclusively for women:

Bajaj Allianz’s Critical Illness Cover for Women

This plan is uniquely designed for women and it has benefits that include critical illness plan, Congenital Disability Benefit, Children Education Bonus and Loss of job due to illness.

Like most of the health insurance policies, this policy also offers tax benefits under section 80D.

Women between the age of 25 to 65 years can take this policy and secure their health as well as the health of the children. There is an initial waiting period of 90 days.

Critical Illness cover gives 100% sum insured on the diagnosis of any of the following 8 critical illnesses:

  • Breast Cancer

  • Fallopian Tube Cancer.

  • Permanent paralysis of limbs.

  • Multitrauma.

  • Uterine/Cervical Cancer.

  • Ovarian Cancer.

  • Vaginal Cancer.

  • Accidents caused due to fire.

If the insurer gives birth to a baby that has any of these congenital diseases, then 50% of the sum insured will be given.

  • Down’s syndrome.

  • Congenital cyanotic heart disease.

  • Tetrology of Fallot.

  • Transportation of Great Vessels.

  • Total anomalous pulmonary venous drainage.

  • Truncus Arteriosus.

  • Tricuspid Artesia.

  • Hypoplastic Left Heart Syndrome.

  • Tracheo-oesophageal fistula.

If the insured woman loses her job within 3 months after diagnosis, then Bajaj Allianz will pay a total of Rs 25000 to cover up your expenses. The same amount of Rs 25000 will be paid towards the education of one or both children (maximum two).

However, one needs to evaluate the various aspects of the insurance policy before buying it.

Let us help you choose, talk to our experts!

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