Health Insurance for Women

In India, women tend to face more health issues than men, regardlessof theirage. 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.

Reliance Women’s Health Insurance offers comprehensive financial protection with a 100% claim settlement ratio, online purchase and renewal convenience, cashless hospitalisationanywhere in India and more.

Understanding Female Health Insurance

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.

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.

Also Read -Empower Yourself Women's Health Insurance

Women’s Health Insurance Plans at Reliance General

Features of Reliance Health Insurance for Women

Women's Health Insurance Policies - Inclusions & Exclusions

Women’s Health Insurance Inclusions

• 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 Reliance 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

Exclusions in Female Health Insurance

• 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

Tips for Choosing Women’s Health Insurance

Also Read -How to Choose the Right Health Insurance for Women?

Eligibility for Women’s Health Insurance Plans

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 insuranceis 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.

Also Read - Things to Consider When You Compare Health Insurance

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.

Also Read - Understanding Health Insurance Premiums

How to File a Claim Under Women’s Insurance?

Cashless Claim Process for Women’s Health Insurance

With cashless female insurance claim filing, your medical bills are settled directly with the hospital by us on your behalf. Moreover, with our “Cashless Everywhere” facility, you can file a cashless health claim for women at any hospital of your choice.

• Step 1 - Inform us about the claim by calling +91-22-1800-3009, sending an email at rcarehealth@relianceada.comor 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.

Also Read - Cashless Health Insurance - Quick And Easy

Reimbursement Claim Process for Women’s Insurance

In a reimbursement claim, you need to pay the medical bills on your own, and then, after submitting the bill copies to us, you will get a reimbursement.

• Step 1 - Inform us about the claim by calling +91-22-1800-3009, sending an email at rcarehealth@relianceada.comor 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.

Also Read - Cashless Hospitalisation Vs Reimbursement In Health Insurance

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 -

Maternity vs Comprehensive Health Insurance for Women

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.

Frequently Asked Questions About Women's Health Insurance

• How do I reduce my women’s health insurance premium?

To reduce your health insurance premium -

• ​Choose a higher deductible
• Remove unnecessary add-ons
• Buy at an early age
• Purchase health insurance for women online
• Practise healthy lifestyle habits
• Do I need to be pregnant to buy good health insurance for women?

No, you do not need to be pregnant to buy a health insurance policy for women. You can buy a plan at any age to benefit from extensive financial coverage for all your medical needs.

​
• Is a waiting period applicable if I file a claim for a medical condition after buying health insurance for ladies?

Yes, most insurers, like Reliance General Insurance, have a waiting period of 15 to 30 days before you can file a claim for any medical requirement. The waiting period for specific medical conditions and pre-existing diseases is longer, so check the policy document before making a decision and filing any claim.

• What are some add-ons that I can opt for with my health insurance for women?

Some add-ons include maternity cover, OPD cover, child care cover, vaccination cover, home treatment cover, and so on.

• What are the benefits of buying the best health insurance for women from Reliance General?

When you buy a health insurance plan for women from Reliance General, you benefit from -

• ​A 100% claim settlement ratio
• Comprehensive coverage
• Global cover
• Cashless Everywhere convenience
• 24/7 customer support
• Affordable premiums
• Ample customisation flexibility
​
• How do I renew my women’s health insurance policy?

To renew your health insurance policy, follow the simple steps mentioned below.

• Visit our website> Select “Renewal” > Click on “Renew Health Insurance”.
• On the next page, add your mobile or policy number along with additional details as required.
• Log in using the OTP sent to your mobile number.
• Review the existing policy, add or remove add-ons, and increase or reduce the sum insured.
• A revised premium quote will appear on the screen. If satisfactory, make the premium payment to renew your health insurance plan.