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Health Insurance for Women
Health insurance for women is a specialised medical cover designed to address a woman’s unique health needs at different life stages. As women age, they are more vulnerable to conditions such as breast and cervical cancer, thyroid disorders, PCOS, osteoporosis, and pregnancy-related complications. Many standard health insurance plans either limit or exclude coverage for maternity care, newborn expenses, fertility treatments, or women-specific illnesses, making dedicated coverage important.
For example, maternity costs in private hospitals can easily run into ₹1–3 lakhs, while treatments for conditions like breast cancer, hysterectomy, or hormonal disorders may cost several lakhs over time. Without proper coverage, these expenses often come directly out of savings. A women-focused health insurance plan helps manage these predictable yet costly healthcare needs without financial stress.
At IndusInd General Insurance (formerly Reliance General Insurance), we understand that women’s health needs go beyond basic hospitalisation. Our health insurance plans for women are designed to provide broader, more relevant coverage, so you can focus on your health first.
Why 8 Crore+ Policyholders Choose Us?
When it comes to protecting your health, you need an insurer that truly understands your needs at every stage of life. At IndusInd General Insurance, we go beyond basic coverage to offer thoughtfully designed health plans, flexible add-ons, and a smooth digital experience.
Up to 40% Off on Premiums
More coverage for ladies
24x7 Customer Support
Reliable support every time!
Over 10,000 Hospitals
Quick and cashless claims
AYUSH & Modern Surgery
Get 100% SI coverage for both
What is Medical Insurance for Women and How is it Different?
Women’s health insurance is a health cover that goes beyond regular hospitalisation benefits to include women-specific medical needs. It typically covers maternity expenses, complications during pregnancy, newborn care and treatments for illnesses that are more common in women, such as breast or cervical cancer.
Unlike standard health insurance plans, which may have long waiting periods or exclusions for these conditions, women’s health insurance is designed to provide timely, meaningful support. It works like a regular health policy, covering hospitalisation, treatments and related costs but with added benefits tailored specifically for women at different stages of life. 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.
How Do Women's Health Needs Differ from Men's?
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.
Women's Health Needs
Overview:
Women’s health needs evolve over time as their bodies change 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.
Women’s Common Health Concerns:
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
Overview:
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.
Men’s Common Health Concerns:
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
- Erectile dysfunction, etc.
Benefits of Buying Medical Insurance for Women
Covers Women-Specific Illnesses
Conditions like breast cancer, cervical cancer, thyroid disorders, and PCOS are more common in women and often require long-term treatment. A women-focused health plan ensures these illnesses are covered with additional support such as 24/7 customer assistance.
Maternity and Newborn Care
From delivery expenses to pre- and post-natal care, maternity costs can be high. Health insurance fo r women helps cover hospital bills, doctor consultations, and newborn medical expenses during the early days.
Financial Support During Life Stages
A woman’s healthcare needs change with age, whether it’s childbirth, hormonal issues or post-menopausal care. A dedicated health plan adapts to these stages and offers consistent financial protection.
Reduced Out-of-Pocket Expenses
Medical inflation in India is around 13-14%, higher than the global inflation rate. Thus, health insurance is needed to help you avoid dipping into savings for sudden hospitalisations, surgeries, or long-term treatments.
Coverage Beyond Basic Hospitalisation
Our women’s health plans include benefits like day care procedures, preventive health check-ups and recovery support, which are often limited in regular plans. These features ensure that you are covered through all stages of life.
Financial Independence
Having your own health insurance means you don’t have to depend on family policies or employer coverage. It gives you confidence and control over your healthcare decisions, no matter where life takes you.
Key Features of IndusInd Women’s Plans
Features |
Details |
|---|---|
Affordable Premiums |
Premiums starting from ₹382/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 IndusInd Insurance app. |
Paperwork for Women Care Policy |
Minimal to Zero |
24/7 Customer Support |
Get instant resolution for all doubts and queries. |
Who Should Buy Women’s Health Insurance Plans?
Working Women
Balancing work and health often means postponing check-ups and care. Health insurance for women helps manage unexpected medical costs so that your savings or career plans are not hampered
Married Women and Homemakers
Many women depend on a spouse’s policy, which may not fully cover women-specific needs. A dedicated plan ensures financial independence and better coverage for maternity and long-term health issues
Women Planning Motherhood
From maternity expenses to post-delivery care, pregnancy-related costs can be high. Women’s health insurance supports these stages with dedicated benefits and reduced financial stress
Women Above 40 Years
Health risks like breast cancer, thyroid disorders, osteoporosis, and heart conditions rise with age. A women-focused plan provides timely coverage for screenings, treatments, and hospitalisation
Single Women and Caregivers
Whether you’re living alone or caring for family, having personal health insurance for women ensures quick access to treatment during emergencies without depending on others financially.
Women’s Health Insurance Plans by IndusInd General Insurance
IndusInd Health Infinity Insurance
Best for women planning long-term health security
IndusInd Health Infinity is designed for women who want strong medical protection as their health needs evolve with age. With higher sum insured options of up to ₹5 crore* and 12+ flexible add-ons, it helps women handle rising hospital costs. The plan adapts well to changing life stages, making it a reliable long-term choice.
IndusInd Health Gain Insurance
Ideal for women planning maternity and everyday healthcare
IndusInd Health Gain works well for women looking for balanced coverage of up to ₹1 crore* for hospitalisation, recovery and future family planning. With maternity and childcare add-ons, it supports women through pregnancy-related expenses of up to ₹2 lakhs* and routine medical needs. This plan suits women who want reliable health protection during family planning.
IndusInd Health Super Top-Up Insurance
Extra protection when your base cover is not enough
This plan acts as a cost-effective backup to an existing health insurance policy. It helps women manage large medical bills once the base cover is exhausted, without paying for a very high primary policy. It is useful for pregnancy-related expenses, surgeries or long hospital stays that can quickly exceed standard coverage limits.
IndusInd Health Global Insurance
For women travelling or planning treatment abroad
IndusInd Health Global offers coverage for medical expenses within and outside India, whether due to emergencies or planned treatments. It offers up to $1 Million global coverage, helping you take care of expensive healthcare costs out of India. This plan ensures access to treatment without relying entirely on savings during international stays.
IndusInd Critical Illness Insurance
Financial support when a serious illness disrupts life
This plan provides a lump sum payout of up to ₹10 lakh for the listed 10 critical illnesses*, helping women manage treatment costs and income loss at the same time. The amount can be used freely, for medical care, household expenses, or recovery needs. It is especially useful for working women and caregivers who worry about the financial impact of a major diagnosis.
What’s Covered and Not Covered Under Women’s Health Insurance?
What’s Covered?
Inpatient Treatments
Pays for hospital stays of more than 24 hours due to illness, surgery or accidents.
Pre and Post-Hospitalisation Expenses
Covers medical costs incurred before, during, and after hospitalisation as per policy limits.
Outpatient Treatments (OPD)
Doctor consultations and minor treatments are covered when OPD is included as an add-on.
Medicines & Prescribed Drugs
Covers the cost of medicines prescribed during treatment and recovery.
AYUSH Treatments
Covers alternative treatments like Ayurveda, Yoga, Unani, Siddha and Homoeopathy.
Diagnostic Tests
Pays for tests like blood work, scans, and imaging needed for diagnosis or treatment.
Preventive Care & Health Check-ups
Includes screenings and regular medical check-ups to detect health issues early.
Wellness Programs & Support
Includes wellness benefits such as health coaching, fitness support or wellness rewards.
Ambulance Charges
Covers emergency ambulance costs, including intercity transfers, up to specified limits.
Day Care Procedures
Covers treatments that do not require overnight hospitalisation, such as minor surgeries.
Specialised Surgeries & Advanced Treatments
Includes coverage for modern treatments and complex procedures under plans like IndusInd Health Infinity.
Domiciliary Treatment
Pays for medical treatment taken at home when hospitalisation is not possible.
Cancer Treatments
Covers hospitalisation and treatment costs related to cancer, subject to policy terms.
What’s Not Covered?
Pre-Existing Conditions (During Waiting Period)
Existing illnesses are not covered until the specified waiting period is completed.
Claims During Waiting Periods
Any claim made before the waiting period ends will not be payable.
Cosmetic Surgeries
Procedures done for appearance enhancement without them being medically necessary are not covered.
Gender Reassignment Surgeries
Medical expenses related to gender change procedures are excluded.
Alcohol or Substance Abuse
Treatment costs due to alcohol, drug abuse, or intoxication are excluded.
Self-Inflicted Injuries
Expenses arising from intentional self-harm or suicide attempts are not covered.
Eligibility for Women’s Health Insurance Plans
Eligibility Criteria For Insurance Policy for Women |
Details |
|---|---|
Age |
Adults - 18 years to 65 years |
Flexible Policy Tenure |
1/2/3 years |
Initial Waiting Period |
15 to 30 days |
Waiting Period for Pre-Existing Conditions |
Up to 36 months (can be reduced to 12 or 24 months with 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 and Renew Women’s Health Insurance Online?
Buying Process
Scroll Up: Go to the form at the top of this page to begin. You can use the calculator below to get a quick quote.
Enter Personal & Health Details: Fill in basic details such as age, city and medical history to see plans suited to women's specific needs.
Choose Coverage & Add-ons: Select the sum insured and add-ons like maternity cover or OPD benefits, based on your life stage and health priorities.
Review and Buy: Review the plan details and premium, pay online and receive your policy instantly at your registered email.
Renewal Process
Go to the Renewal Section: Scroll to the top of the page and select the “Renew” option for quick policy renewal. You can also tap “InstaRenew” on our app.
Enter Policy Details: Provide your policy number or registered mobile number to fetch your existing policy details.
Review Your Coverage: Check your current sum insured and add or remove covers if your health needs have changed.
Pay and Renew Instantly: View the updated premium, pay online to get the policy and continue your coverage without any break
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.
Tips for Choosing the Best Health Insurance Policy for Women
Start With Your Life Stage, Not Just Your Age
Your needs change with phases like early career, marriage, maternity planning or menopause. Choose a plan that supports where you are today and where you’ll be in the next 5–10 years.
Check Coverage for Women-Specific Conditions Early
Look for coverage related to maternity, gynaecological conditions, breast health, PCOS and cancer. Many plans cover these only after waiting periods, so buying early reduces future treatment costs.
Don’t Underestimate Future Medical Costs
Treatments for women’s health issues can get expensive in metro cities. Opt for a higher sum insured or pair it with a super top-up so treatments do not exhaust your plan's coverage.
Understand Waiting Periods Clearly
Waiting periods apply to maternity, pre-existing conditions and certain surgeries. Shorter or reducible waiting periods matter more than low premiums when planning long-term healthcare.
Choose Flexibility Through Add-ons
Add-ons like maternity cover, OPD, critical illness, or wellness benefits allow you to tailor the policy as your needs evolve. This means you get the specific coverage without buying a new plan later.
Check OPD and Preventive Care Benefits
Regular doctor visits, diagnostics, and screenings are common for women. Plans with OPD or preventive care benefits reduce routine healthcare expenses that otherwise come from your pocket.
Prioritise Smooth Claims Over Cheapest Premiums
A slightly higher premium is worth it if the insurer offers digital claim filing and fast approvals. and transparent processes. This is especially helpful during stressful medical situations.
Ensure Lifelong Renewability
Women’s healthcare needs increase with age. A policy that allows lifelong renewals ensures continued coverage without rejections or exclusions later in life.
Check Customer Support Availability
Health emergencies don’t follow office hours. Choose an insurer that offers 24/7 support via phone, app, or online channels for guidance during claims or hospitalisation.
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.
Expert health advice you can trust
Call our Experts today
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 IndusInd 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.
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 |
Covers & Features
How to Claim Women’s Health Insurance?
Notify Us on Time
For planned hospitalisation, inform us at least 48 hours before admission.
For emergencies, notify us within 24 hours of hospitalisation.
How to Contact Us
Email: igicl.icarehealth@indusind.com
Website: Make a Health Insurance Claim (official claims page)
Phone: 022-4890 3009 / 022-4111 2600
App: IndusInd Insurance App
Offline Submission:
IndusInd General Insurance
3rd Floor, Krishe Block, Krishe Sapphire,
Madhapur, Hyderabad – 500081
Cashless Treatment at Network Hospitals
Once you inform us, we verify your policy and share approval with the hospital.
If documents are missing, the hospital is informed within a few hours.
If the treatment isn’t covered, you are notified immediately.
Cashless at Authorised Non-Network Hospitals
With the Cashless Everywhere facility, eligible treatments can still be availed of cashlessly.
Contact the RCARE claims team using the number on your health card and submit the required documents for approval.
Reimbursement Claims (Any Hospital)
If cashless isn’t available, you can opt for reimbursement.
Submit the claim form, hospital bills, prescriptions, and discharge summary within 15 days of treatment.
The approved amount is usually credited to your bank account within 15 working days*.
Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline.
Maternity vs Women’s Health Insurance
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. |
It offers coverage for a wide range of women-specific conditions and illnesses. |
Ideal for |
New mothers or women planning to conceive soon, who are looking for insurance coverage |
Women of all ages who want to secure their health and finances during medical emergencies. |
Availability |
Offered in comprehensive plans, either as standard inclusion or as an add-on cover. |
Comprehensive women's health insurance policies are widely available in India. |
Key Takeaways
An insurance policy for women is designed to cover medical needs that change with age, lifestyle, and life stages, such as maternity care, gynaecological treatments, cancer care and preventive health check-ups, while also protecting against rising hospital costs.
With treatments in Indian cities becoming increasingly expensive, having a dedicated women’s health plan ensures timely care. From hospitalisation and day care procedures to OPD, diagnostics and wellness support, the right coverage helps you focus on recovery, not bills.
With IndusInd General Insurance, you can choose flexible plans, customise coverage with women-specific add-ons and manage everything digitally. From buying and renewing to filing claims, everything can be done in a few simple steps through the IndusInd Insurance app or website. Take charge of your health today with protection that truly understands a woman’s needs.
Get health insurance starting at ₹382/month*!
10,000+ Hospitals Within Reach!
Get cashless care at leading hospitals without payment hassles. With IndusInd General Insurance, enjoy instant access to quality healthcare across the state.*
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