• Women Specific Critical Illness Policies

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    Insurance providers today are looking at non-earning women and homemakers as a potential source of business, by designing insurance policies that are specific to their needs.

    Traditionally, insurance is designed to help a person’s dependants out of a financial crunch, once the earner is rendered incapable of earning. The coverage and the sum assured, etc. are designed to ease the financial burden that a family faces when the sole earner is out of the picture. But there is an intrinsic value to the homemaker’s contribution to the household, even though it isn’t purely financial.

    There are quite a few online health insurance plans out there that cater to women-specific illnesses and medical conditions, but not all of them can be trusted just on the “women-specific” tag they carry. As with any insurance policy, the terms and conditions, clauses, coverage, benefits, and exceptions must be carefully considered.

    Here are a few of the top women-specific insurance products on the market today:

    1.Bajaj Allianz Women Specific Critical Illness Insurance:

    Under this Women Specific Critical Illness insurance policy by Bajaj Allianz, it cover gives 100% sum insured on the diagnosis of any of the following 8 critical illnesses:

    1. Breast Cancer
    2. Fallopian Tube Cancer.
    3. Uterine/Cervical Cancer.
    4. Ovarian Cancer.
    5. Vaginal Cancer.
    6. Permanent paralysis of limbs.
    7. Multitrauma.
    8. Burns.

    Congenital Disability benefit covers the first two children. It gives 50% of the sum insured if the insured person gives birth to a baby that has any of the following congenital diseases/disorders:

    1. Down’s syndrome.
    2. Congenital cyanotic heart disease:
      • Tetrology of Fallot.
      • Transportation of Great Vessels.
      • Total anomalous pulmonary venous drainage.
      • Truncus Arteriosus.
      • Tricuspid Artesia.
      • Hypoplastic Left Heart Syndrome.
    3. Tracheo-esophageal fistula.
    4. Cleft palate with or without cleft lip.
    5. Spina bifida.

    There’s also a Children’s Education Bonus, where if the claim has been paid under the policy, Bajal Allianz will also pay Rs. 25,000 totally towards the education of one or both children (maximum of two).

    In addition, there’s a clause protecting the insured woman in case she loses her job - If the insured person loses her job within 3 months of being diagnosed, Bajaj Allianz will pay Rs. 25,000 towards “loss of employment”.

    The Plan has the Following Exclusions:

    - Critical illnesses for which advice was already received by a medical professional and has been claimed under an earlier policy.

    - STDs caused by or associated with Human T-Cell Associated Virus type III, Lymphadinopathy Associated Virus, AIDS or any deficiency syndrome similar to it.

    - Critical illnesses diagnosed within 90 days of the date the policy commences.

    - Treatment traceable to pregnancy, childbirth or postpartum complications. This does not apply to the congenital disabilities benefit provision of the policy.

    - Occupational diseases.

    - War, natural disasters.

    - Intentional self-injury.

    - Drug and / or alcohol abuse.

    - Radioactive contamination.

    - Cleft palate with or without cleft lip – cleft lip alone is excluded.

    - Spina bifida occulta is excluded.

    2.TATA AIG Insurance Wellsurance Woman Policy:

    Under this Tata AIG Wellsurance Womaninsurance policy, offers to pay out a fixed lump-sum benefit for the following 11 critical illnesses:

    1. Cancer of a specified severity.
    2. First heart attack of a specified severity.
    3. Stroke resulting in permanent symptoms.
    4. Kidney Failure requiring regular dialysis.
    5. Coma of a specified severity.
    6. Open Chest CABG.
    7. Major Bone Marrow transplant or Organ transplant.
    8. Total blindness caused by acute sickness or accident.
    9. Permanent Paralysis of limbs.
    10. Multiple Sclerosis with persisting symptoms.
    11. Major Burns with persisting symptoms.

    The policy also pays hospital cash for up to 90 days, the rate of which depends on the plan opted for (Classic, Supreme or Elite, for Rs.2,000, Rs.3,000 and Rs.4,000 respectively).

    The policy covers ambulance charges up to Rs.2,000 while admitting and discharging the patient from the hospital.

    An ICU benefit of Rs.3,000 (Classic), Rs.4,500 (Elite) and Rs.6,000 (Supreme) per day is also payable for a maximum of 15 days

    Cosmetic Reconstructive Surgery benefits of Rs.50,000 (Classic), Rs.1,00,000 (Elite) and Rs.2,00,000 (Supreme) are applicable in case of accidents.

    Health and wellness services can be availed from an extensive list of providers (made available on regular intervals) at a discounted rate. This includes gyms, weight management centres, beauty parlours, diagnostic centres, etc.

    The policy also has life-long renewal

    3.HDFC Life Smart Woman ULIP:

    This is a Unit-Linked Insurance Policy from HDFC Life. It ensures a high level of savings along with women-specific insurance benefits. The online health insurance plan offers a choice between 4 funds, depending on the amount of risk you’re willing to expose yourself to:

    1. Income Fund:High risk, high reward. Higher duration, and higher potential for returns.
    2. Balanced Fund: Equity exposure is dynamic, and returns are enhanced with debt allocation reducing volatility.
    3. Blue Chip Fund: Invests in large-cap equities.
    4. Opportunities Fund: Invests in mid-cap equities.

    The plan offers 3 Benefit options, designed to meet specific needs:

    1. Pregnancy complications or birth of child with congenital disorders.
    2. Diagnosis of malignant cancer of female organs.
    3. Death of spouse (although this option is only available on opting for the Elite plan option).

    There are 3 Plan Options, with Varying Benefits and Premiums:

    1. Classic: This option includes a premium waiver benefit with the funding of the premiums for the next 3 years.
    2. Premier: This option includes a premium waiver benefit with the funding of the premiums for the next 3 years, and periodic cash payouts of 100% of the premiums for the next 3 years.
    3. Elite: This option includes a premium waiver benefit with the funding of the premiums for the next 3 years, and periodic cash payouts of 100% of the premiums for the next 3 years and also includes coverage for the death of the spouse.

    Policy term options are 10 and 15 years.

    This Plan has Many Advantages, like:

    • Additional periodic cash payouts (available with the Premier and Elite options).
    • Partial withdrawals can be made to meet contingencies.
    • Annual premium payment can be made.
    • Tax benefits under Section 80C and 10(10D) of the Income Tax Act, 1961.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Women Specific Critical Illness Policies Reviews

  • Page 1 of 50 1 2 3 4 5
    • Apollo Munich Health Insurance
      "The Best"
      0.5 5.0/5 "Blown Away!"
      Since I'm working with health insurance. It is easy to claim in Apollo Munich. The best hospital list covered in this policy. The best health insurance company in PAN India. In my company, they are paying the insurance premium for me and my family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy with the HDFC Ergo. I pay a premium of 6100 Per year, I do not have any claim experience with the policy and it offers full coverage for my entire family. They offer a coverage 2 lacs annually which is pretty good for me. Overall it has been a good experience with the features of the policy. .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 14, 2018
    • Bajaj Allianz Health Insurance
      "Good Health Insurance policy"
      0.5 5.0/5 "Blown Away!"
      So far i have never claim the health insurance. I can claim upto 7 lakhs. I have taken this insurance policy for me and dependent. The employer take care of the premium amount. I have never contact the customer care. Almost most of the hospital has been covered in this health insurance
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 14, 2018
    • Universal Sompo Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy taken from Universal Sompo, it was the best deal I came across when I was looking for the policy, the premium amount that I paid was quite reasonable and not too high, the sum assured amount was also good. I never got chance to take the services of this policy I have no claim experience from them so far.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 14, 2018
    • Universal Sompo Health Insurance
      "Best Health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken this policy for the first time. I have not claimed the policy so far. I have paid around for Rs.8500 as premium. It family based health insurance policy. I can claim upto 5 lakhs. Cashless treatment is available. There is no pre-existing offer is available. I have taken this policy last month. Most of the hospitals are covered in this policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 14, 2018
    • review Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      It is a health insurance policy from HDFC. Accidental benefits are there. If i admit in a hospital, i can claim for that also. I took this policy for my whole family. I'm paying Rs. 4500 for every year. I can claim upto 3 lakhs in a year. If i renew the policy without any claim, they will offer some bonus points. I never claimed this policy so far. Cashless treatment is available.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 13, 2018
    • Royal Sundaram Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I got the health insurance policy from the ROYAL SUNDARAM GENERAL INSURANCE company and i have got it around 5 years. This policy covers 4members in my family and it has the medical coverage amount of Rs,3,00,000 . I pay the premium amount of Rs,8,000 to renew the policy every year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • United India Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      Got the health insurance policy from the UNITED INDIA INSURANCE company and I having this policy from past 5 years. The customer support and the response is good with the United India and this policy covers 4 members in the family. This policy has the medical coverage up to Rs,3,00,000 and I pay the premium amount of Rs,10,900 to renew this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 13, 2018
    • Apollo Munich Health Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've a health insurance policy with the Apollo Munich Insurance company. I pay a premium of 19000, I do not have any claim experience with the policy. Sometimes I make payments via cheque and sometimes online. Overall their services are good even though I never had any claim experience with them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 12, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the ICICI Lombard general Insurance company. I am paying a premium 39000 per year. I do not have any claim experience with this policy. So far in terms of the features and benefits it is a recommendable policy to have. I pay the premium online.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 12, 2018
    • Star Health Health Insurance
      "Best Health Insurance policy"
      0.5 5.0/5 "Blown Away!"
      Cashless treatment is available only in cities. In other rural areas, i cannot claim the policy for cashless transaction. In rural side, i have to collect all the bill and claim the policy after i paid my bill. I have claimed the policy once for my father. I used to make the payment of Rs. 7500 for me and any wife. I have already recommended this policy to my friends. I can claim easily and i got the payment as soon as possible if i issue the documents properly.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 12, 2018
    • Bajaj Allianz Health Insurance
      "Best"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance policy with the Bajaj allianz general insurance company. I would like to say that the coverage value is around three lakh Rupees. Cashless treatment is applicable there, so I have not faced any such claims with them as such.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      Got the health insurance policy with the STAR HEALTH & ALLIED INSURANCE company around 3 years ago. This policy covers 4members in my family. This policy has the coverage amount up to Rs,2,00,000 and I am satisfied with it. The medical coverage and the cashless treatment options are good with the Star health insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard which is provided by the company. The company is paying the premium. It is a policy worth the money and I never had any claim experience with them. I'll have to wait and see how they respond to my claim request in future.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 11, 2018
    • Universal Sompo Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Universal Sompo . I pay a premium of 10000 Per year, the coverage is good and I never had any claim experience with the policy overall it is a useful health insurance policy to have.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 09, 2018
    • Star Health Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the Star Health. We do not have any experience with the policy. Overall service good. My brother handles the payments for this policy. I am not aware of any other details regarding this policy. It offers coverage for the entire family. I never had any issues with the policy and their services.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 08, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 8 years, i am not aware of the premium amount as the company pays it. I have a coverage value of Rs 1 lakh and that covers spouse and children. I have no claim experience so far from this insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 08, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Apollo Munich from last 6 months, i am happy with the coverage value of this insurance policy and it is family policy. A premium of Rs 8000 has to be paid for this insurance. I have no claim experience and the coverage value of this insurance is 3 lakhs.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 08, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've had taken a health insurance policy from the ICICI Lombard. I never had any claim experience with the policy. I'll have to wait and see how they respond to my claim requests in future. So far, I never had any issues with their services till date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 07, 2018
    • Reliance General Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy with the Reliance. I never used this policy for any medical purposes. I've been paying a premium of 11000 per year for the policy. I never had any claim experience with the policy. I see this as a back up fund in case of any medical emergency.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 07, 2018
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