Women Health Insurance

Women play many roles in life. They are professionals, caregivers, homemakers, decision-makers, and the backbone of every family. But while handling so many responsibilities, their own health often takes a back seat. Health issues related to reproductive care, pregnancy, critical illnesses, lifestyle conditions, and long-term health risks affect millions of women, yet many remain uninsured or inadequately covered.

Women Health Insurance is designed to give women the right medical protection at the right time. It covers health issues that are common among women, provides financial support during medical emergencies, and ensures that healthcare does not become a burden on savings.

Women Health Insurance is a health plan created especially for women. It covers illnesses, medical needs, and life stages that women commonly experience. These may include maternity care, reproductive health issues, breast cancer, cervical cancer, pregnancy complications, lifestyle diseases, and other critical illnesses.

While regular health insurance covers basic medical needs, Women Health Insurance adds an extra layer of protection designed only for women’s health needs. It ensures that you do not delay treatment due to financial reasons and receive timely medical care.

OneAssure helps you compare plans, understand benefits, and choose the right women’s health policy based on your life stage, health requirements, and budget.

Women face unique health risks that evolve as they grow. A general health plan may not fully cover all these needs. Here are reasons why special coverage for women is important:

Coverage may vary by insurer, but most plans include:

1. Hospitalization expenses
2. Surgeries
3. Maternity and childbirth
4. Pregnancy complications
5. Newborn baby cover
6. Breast and cervical cancer
7. Critical illness benefits
8. Doctor consultations
9. Diagnostic tests
10. Daycare treatments
11. Preventive health checkups
12. Reproductive health issues
13. Ambulance charges
14. Organ donor expenses
15. Post-hospitalization care

OneAssure helps you understand which benefits are included in each plan.

Exclusions differ between insurers, but commonly include:

1. Cosmetic procedures
2. Fertility treatments like IVF
3. Dental or eye care unless required due to an accident
4. Pre-existing diseases until waiting period ends
5. Pregnancy within the waiting period
6. Illness caused by alcohol or drugs
7. Unproven or experimental treatments
8. Non-medical expenses unless covered
9. Self-inflicted injuries

Clear explanation of exclusions helps avoid surprises during a claim.

Premium for women health insurance depends on:

1. Age
2. Medical history
3. Lifestyle choices
4. Occupation
5. Sum insured
6. Add-ons chosen
7. Type of policy (individual or family floater)
8. Existing health conditions
9. Geographic location

Premiums for younger women are usually lower, so it’s better to buy early.

1. Simple, clear explanations
2. Personalized guidance for your life stage
3. No-pressure recommendations
4. Help in choosing the right coverage
5. Complete claim assistance
6. Support through your entire policy life
7. Knowledge-backed recommendations
8. Transparent comparison of benefits

OneAssure’s goal is to make women feel secure, confident, and protected when it comes to health coverage.

Here are factors you should check before buying:

1. Choose a high enough sum insured
2. Check maternity waiting period
3. Look for pregnancy complication cover
4. Check newborn cover
5. Ensure critical illness benefits
6. Understand exclusions
7. Look for mental health support
8. Prefer cashless hospital network
9. Choose shorter waiting periods
10. Check premium affordability
11. Ask about pre- and post-hospital coverage
12. Make sure daycare treatments are covered

OneAssure helps you select a policy that fits your health needs perfectly.

1. Maternity add-on
2. Newborn care add-on
3. Critical illness rider
4. Daily hospital cash
5. Personal accident cover
6. OPD cover
7. Wellness benefits
8. Mental health rider
9. Infertility cover (very rare and selective plans)

Add-ons help customise your plan for wider protection.