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Women Specific Critical Illness Policies

This is a fixed-benefit critical illness cover designed exclusively for women. It covers various critical illnesses that are common among women including breast cancer, uterine cancer, ovarian cancer, multi-trauma, etc.
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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 11 1 2 3 4 5
  • HDFC Ergo Health Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    I have taken health insurance from HDFC Ergo which was offered along my personal loan. I have received the insurance paper and its been couple of months. It covers critical illness and need to go through the policy benefits. Always the customer is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • National Insurance Health Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    I have the mediclaim policy with National Insurance for the cover of Rs. 3 lakhs they have major and minor hospitals tie up, they gave me list of hospitals, policy duration is good. There is no pre existing or critical illness cover. They have cover for major diseases, the premium is low with best benefits.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 11, 2018
  • review Health Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    My company have provided me a health insurance with Iffco Tokio. It has cash less treatment, in my place they got lot especially in major hospital like Apollo. I don't claim, They gave me medical cover for me. It has pre existing and critical illness.
    Was this review helpful? 1
    , ahmedabad
    Reviewed on Dec 07, 2018
  • review Health Insurance
    "Worth it"
    0.5 5.0/5 "Blown Away!"
    I took health policy from Aditya Birla for the medical coverage of Rs. 1.32 crore for two person. For me and my wife, they have cash less service with cancer coverage. The policy has critical illness and pre existing cover. When I see the list they have tie up with many hospitals.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 01, 2018
  • Star Health Health Insurance
    "Good for medical issue"
    0.5 5.0/5 "Blown Away!"
    From Star health I got took health policy, they gave me the medical cover of Rs.5 lakhs its cover entire family totally 3 person, they are providing critical illness I am not sure pre existing disease cover. The premium is very good around Rs. 19000.
    Was this review helpful? 0
    , bangalore
    Reviewed on Nov 30, 2018
  • Oriental Insurance Health Insurance
    "Excellent"
    0.5 4.0/5 "Great!"
    I have a health insurance policy with Oriental which was provided by company.It is for entire family and policy coverage for per person is 2.5L.There is no claim experience. They have good network of hospital for the cashless facility. They cover all types of minor, major diseases and critical illness.
    Was this review helpful? 0
    , chennai
    Reviewed on Nov 17, 2018
  • National Insurance Health Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance in National Insurance for me and my family. The policy covers minor disease and critical illness. The customer service is excellent. Am paying yearly 16K as a premium. Last year have applied for claim, the refund was 100% excluding food. The policy coverage is 10L, I have taken in the year of 2005 or 2006. Am getting good benefits on this policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 03, 2018
  • Apollo Munich Health Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    From APOLLO MUNIC i have a corporate health insurance and they provide a coverage for 10 lakhs. I have not done any claim with this policy. The provide treatment coverage for accident , critical illness. Its a cashless facility.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jun 27, 2018
  • New India Health Insurance
    "Health insurance "
    0.5 5.0/5 "Blown Away!"
    For my health insurance i get both cashless and reimbursement facility. Even though here is no claim have been done. The yearly policy premium is 12000. The policy with New India will give coverage for critical illness accidental and trauma.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 25, 2018
  • ICICI Lombard Health Insurance
    " ICICI Lombard health insurance"
    0.5 3.5/5 "Pretty good"
    From ICICI Lombard i have taken a health insurance and the policy coverage is for 3 lakhs. The yearly premium is 38000 and if there is no claim experience then i can extend the policy up to 5 lakhs.Yearly i have to renew the policy with ICICI.They do the coverage for general and critical related health issues.
    Was this review helpful? 0
    , bhopal
    Reviewed on May 14, 2018
  • Bajaj Allianz Health Insurance
    "Its good"
    0.5 5.0/5 "Blown Away!"
    I have not much interacted with Bajaj Allianz customer care, but they have explained it clearly about the health insurance. Many time I have claimed my policy for my regular check up, they got tie up with good hospital. They are providing medical coverage including critical disease. They gave me coverage of Rs. 5 lakhs. for annual premium.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 29, 2017
  • Cigna TTK Health Insurance
    "Good Protection for Family"
    0.5 4.0/5 "Great!"
    Cigma TTK gave me some Pro plus health insurance, they were covering every thing, and it gives cover for critical diseases and they have cashless facility they got tie almost many hospital. I got medical cover of Rs.5.5 lakhs includes my spouse, I paid the premium around Rs. 11,200 on yearly basis.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 21, 2017
  • Apollo Munich Health Insurance
    "Good Protection for the family"
    0.5 5.0/5 "Blown Away!"
    Apollo Munch got tie up with Canara bank, I make Rs. 3600 for the policy cover 3 lakhs, it covers my entire family. It has the tenure of three years, it gives cover for all critical disease, cancer, dental etc. They got tie up with good hospitals.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 09, 2017
  • HDFC Ergo Health Insurance
    "Good Health Cover"
    0.5 4.0/5 "Great!"
    I received call from HDFC Ergo for health insurance, I paid the premium around Rs.10,500 it has medical coverage of Rs. 3 lakhs for two years. Its covers only for me, they tie up with good hospital, they are giving critical diseases cover expect plastic surgery and dental unless the accidental.
    Was this review helpful? 0
    , bangalore
    Reviewed on Nov 25, 2017
  • Religare Health Insurance
    "Good Protection"
    0.5 4.0/5 "Great!"
    I like medical coverage of Religare health, they are connected with good hospitals in my location. I make the premium of Rs. 8000 per annum, its covers only for me. Its gives the medical cover of Rs. 5 lakhs, I make the payment through online. They are extra benefits are available for the critical illness.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 13, 2017
  • Future Generali Health Insurance
    "Good Protection"
    0.5 5.0/5 "Blown Away!"
    I am paying the premium around Rs.4500 for Future Generali for Health insurance, they gave me the medical cover of Rs. 2.5 lakhs it covers me and spouse, I got the policy copy it give cover on criteria illness. They have tie good with good hospital, I didn't receive the medical card by using the policy copy I get the reimburse in future.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 11, 2017
  • HDFC Ergo Health Insurance
    "Average"
    0.5 3.5/5 "Pretty good"
    HDFC ERGO, I had used the online portal after analyzing all the details online decided to invest in HDFC ergo. It provides coverage for critical illness . Premium what I pay is 12k per year. It is very much reasonable this one is closed now and no reason for closing this insurance. This was taken before one year. Lastly I make the payment through online.
    Was this review helpful? 0
    , bahadurgarh
    Reviewed on Nov 08, 2017
  • ICICI Lombard Health Insurance
    "Good coverage amount"
    0.5 4.0/5 "Great!"
    I have a Critical Health Assurane scheme set up for myself. The coverage is around Rs.5 Lakhs for Critical Illness. They provide you with good amount of Hospitals covered under thieir policy. The Cashless option is pretty good too in this Insurance.
    Was this review helpful? 0
    , meerut
    Reviewed on Nov 01, 2017
  • Reliance General Health Insurance
    "Good protection"
    0.5 4.0/5 "Great!"
    I do have Reliance General insurance I used to make some premium for my health insurance. They gave me Rs. 4 lakhs as medical cover for my entire family. I have received the medical card, they do have good cash less treatment in hospital. They providing coverage for all critical illness too.
    Was this review helpful? 0
    , vadodara
    Reviewed on Oct 31, 2017
  • Bajaj Allianz Health Insurance
    "Its Average"
    0.5 3.5/5 "Pretty good"
    Every month I pay Rs.920 for health insurance with Bajaj Allianz, my company gave this policy it covers only for me not for my family member, Medical cover around 1.75 lakh. So far I don't face any claim but I have received the medical card it has cash less treatment, it has cover for critical disease.
    Was this review helpful? 0
    , bangalore
    Reviewed on Oct 24, 2017
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