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Women Health Insurance - HERizon Care

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What’s in it for you?

Baby Bearing Support

Pre-natal Health

34 Critical Illness Conditions

Oocyte Donor Cover

Egg freezing procedure cover

Policy Period options – 1/2/3/4/5years

What is Women Health Insurance?

Whether you’re nurturing your body through life’s milestones or focusing on your well-being every woman’s health journey is unique, dynamic, and deeply personal. Having an insurance cover to address these needs can be an additional boost to your wellbeing.

Take control of your health with confidence, because you deserve nothing less than a product that truly understands you.

Introducing HERizon Care, a women health insurance plan designed to address the unique healthcare needs of women of all ages. This product has you covered individually, emotionally and financially with a stable base cover of Critical illness benefit and multiple optional covers as per your individual needs and choices. We also offer cover for Surrogate mother and Oocyte Donor

The sum insured options range from 3 Lakhs to 2 crores with a free preventive check up every 3 years. With a wide cashless hospitalisation network, easy claim processes and a basket of wellness services to choose from, HERizon Care is the ultimate healthcare plan designed to empower every woman with health, confidence and peace of mind.

Key Features of Women's Health Insurance:

Designed to cater unique healthcare needs of women, a Women’s Health Insurance plan like HERizon Care is curated to support you at every stage of life. The coverages you get are:

Critical Illness Cover – for listed 34 Critical Illness Conditions
On the Mend- Weekly benefit for hospitalisation due to listed Critical illness
Diet and Nutrition Consultations Cover
Value Added Services
Preventive Care
Surrogacy Support
Oocyte Donor Cover
Surgical treatment of Infertility cover

Adoption expenses
Egg Freezing procedure cover
Assisted Reproductive Technology expenses
Maternity
Pre-natal Health
Congenital Disability Benefit
Prophylactic Surgery cover
Legal expense support

Eligibility for HERizon Care:

This Plan includes adults aged 18 to 80 years and children from 90 Days to 35 years. The proposer can be anyone, but the pay-out will go to the primary insured. The Sum Insured (SI) options range from 3 lakhs to 2 crores on an individual basis only. The family definition covers a wide range of female relatives, including self, spouse, sister, mother, mother-in-law, daughter, daughter-in-law, granddaughter, aunt, sister-in-law, grandmother, great-granddaughter, and live-in partner. This comprehensive coverage ensures that various family members can be included under the plan, providing extensive protection and peace of mind.

Why Women Health Insurance is important

Having a health insurance policy is imperative for every woman to ensure that her physical, mental and financial well-being is always secure.

A plan like HERizon Care is a quintessential woman care insurance policy because it addresses the unique healthcare needs faced by women throughout their lives. The fact that it covers women of almost all age groups (18-80 years) under a wide range of sum insured makes it the best health insurance plan for women. From maternity and reproductive health to critical illnesses and childcare, women often require specialised care to prevent unexpected medical expenses.

Lifestyle related conditions and mental health challenges are enough to highlight the need of a tailored, full-fledged coverage. A dedicated and extensive insurance plan like HERizon Care ensures access to quality healthcare and financial security during any kind of medical emergencies or regular wellness supports. It goes beyond standard coverage, offering benefits like wellness programs, preventive screenings, and mental health support, addressing both physical and emotional well-being of a woman.

With rising healthcare costs, a plan as comprehensive as HERizon Care reduces the risk of any unexpected medical expenses. By offering tailored benefits to meet specific needs, HERizon acre not only safeguards health for women but also fosters self-dependence, ultimately creating a safety net that supports them at every stage of life.

This specialised approach brings HERizon Care at the forefront of revolutionizing health insurance for women.

Benefits of Buying Women Health Insurance

Whether you are planning a family; focusing on preventive care or managing a specific health conditions, a health insurance policy for women ensures financial security and access to quality healthcare.

The market is full of women health insurance policies, However, HERizon Care stands out as one of the best. It offers comprehensive coverage and is one of the best insurance plans with 360⁰ cover, making it the right insurance plan for women of all ages.

Comprehensive Coverage: Get tailored protection right from critical illnesses to lifestyle conditions, maternity benefits and even Legal expense cover. HERizon Care is designed to provide comprehensive protection to every woman irrespective of her current health and age.

Maternity Benefits:

Covers like Nurture Nest, Fetal Flourish and Surrogate Care make it the best insurance policy for women planning to start a family.
Critical Illness Protection:

Covering more than 34 critical illnesses both general and specific to women, HERizon care is a plan that truly supports women at every stage of their life.
Flexibility:

With a number of additional covers available, and the flexibility of choosing the sum insured right from 3 lakhs up to 2 crores, the kind of flexibility that HERizon Care offers is tremendous.

Don’t wait for a health emergency to go beyond control- Get HERizon Care now!

Make your Healthcare stress-free with Bajaj Allianz!

How Much Women Health Insurance Coverage Should You Have?

Having the right coverage for Health Insurance is essential for every woman to be able to access quality healthcare for every stage of their life. To determine how much coverage is sufficient for you, you need to assess your specific requirements like critical illnesses, lifestyle diseases, Surrogacy or Oocyte Donor care.

For example: Women face a 60% higher risk of being hospitalized for lifestyle-related diseases than men with Indian women spending an average of INR 35,000 annually on healthcare out of pocket, compared to INR 20,000 for men. Also, over 100,000 Indian women Die each year from pregnancy-related causes.

Health and Well-Being in Late Life: Gender Differences Worldwide - PMC

https://www.census.gov/content/dam/Census/library/publications/1998/demo/wid98-3.pdf

https://pmc.ncbi.nlm.nih.gov/articles/PMC6795677/

How to File a Women Health Insurance Claim?

Filing for a claim under HERizon Care is very simple, we offer a simple and efficient claim process to ensure quick and hassle-free settlements.

Step 1: Notify Us:

Inform Bajaj Allianz General Insurance Company Company about the claim as soon as possible, either through Caringly Yours, customer service, or the website.
Step 2: Submit Required Documents:

Provide all necessary documents, including the claim form, medical reports, hospital bills, and any other relevant paperwork as required.
Step 3: Claim Verification:

We will review and verify the submitted documents and details to validate the claim.
Step 4: Claim Approval and Settlement:

Once verified, the claim will be approved, and the settlement amount would be processed and disbursed promptly, ensuring timely financial support for medical care as required.

Download HERizon Care Documents

Set Renewal Reminder

Full name

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Mobile number

+91

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Is it a Bajaj Allianz Policy No Yes Please enter policy number

Previous policy number

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Renewal Date

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Submit

Thank you for your interest. We will send you a reminder when your policy is due for renewal.

Essential Considerations When Choosing Women Health Insurance:

Choosing the right health insurance policy for women can often be challenging, but considering these factors can simplify your decision-making process.

Sum Insured: Choose a sum insured that corresponds to your medical needs, healthcare costs, and existing health condition. Usually, a higher Sum Insured means you have better protection. With HERizon Care you get flexibility to choose a Sum Insured from right from 3 lakhs up to 2 Crores.
Coverage: Look for plans that offer comprehensive coverage, not only for critical illnesses but also for other factors like baby bearing support, surrogacy cover, oocyte donation, egg freezing and maternity expenses. Having a broader coverage ensured that you do not get any surprises disrupting your or your family’s finances.
Family Definition: Every policy has a certain definition of family when it comes to settling a claim, you should thoroughly check the family definition mentioned in your policy documents to prevent any kind of anomalies. For HERizon Care, here is the list of relations you can declare as family: Self, Spouse(female), Live-in Partner, Sister, Mother, Mother-in-law, Daughter, Daughter in law, Granddaughter, Aunt, Sister in law, Grandmother, great granddaughter, Surrogate Mother, Oocyte Donor
Entry Age: Most often, policies have specific entry age limits. Ensure that the plan you are opting for is suitable for your current age, while also offering a long-term renewability. For example, HERizon Care offers an age limit of 18-80 Years for Adults, and 90 days to 35 years for a child with lifelong renewability.

Why Choose Bajaj Allianz Women Health Insurance?

Wide Network of Hospitals: Bajaj Allianz General Insurance offers cashless treatment at 18,400 + network hospitals. With an in-house health administration team, we ensure that every woman out there has access to quality healthcare.

Simple- Quick Claim Process: We work towards making the overall claim processes very quick, simple and hassle-free for everyone. You can raise a claim very smoothly through the Caringly Yours app, the website or by calling the customer care.

Customisable Plans: Women health Insurance plan offered by Bajaj Allianz are curated in a way that you can customize it as per you needs. Choose optional add-ons and a higher sum insured option to match your unique requirements.

Comprehensive Protection: Under the HERizon Care policy, we offer Cover for 34 Critical Illnesses (Female + General) with waiting periods of 90/120/180/365 days and Survival periods of 0/7/15/30 days. Also, you can extend your coverage to Child Education, Loss of Job, incidental expenses (5% of the Sum Insured subject to a maximum limit of ₹ 25000 and a convalescence benefit that gives you a weekly benefit of ₹ 5000 per week for max 4 weeks per policy.

Factors that Affect Women’s Health Insurance:

While several aspects influence the cost and coverage of a women’s health insurance, these ones top the list:

Age: Younger women typically have to pay lower premiums due to lower risk of medical issues. Usually, the premiums increase with age due to higher health risks.
Pre-existing Diseases: Existing medical conditions such as diabetes, PCOS or hypertension can lead to the premiums on the higher end, and even limited coverage in some cases.
Tenure: Opting for longer policy tenures results in lower premiums as insurance companies give discounts if you choose to opt for a longer duration.
Sum Insured: Higher sum insured leads to a higher premium but also provides greater financial security.
Add-ons: Selecting add-ons that come with your policy give you a broader realm of security but also come with certain terms & conditions and an increased premium.
Maternity Cover: Including Maternity Benifits and new born care increases the cost of the policy but gives you that peace of mind you need during family planning.

Important Points to Note Before Buying Women Health Insurance:

Inclusions
Exclusions

Coverage for 34 critical illnesses (general + female).

Preventive care services.

Surrogate and oocyte donor care.

Customizable plans for women’s health needs.

Legal expense support for specific situations.

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Hospital admission primarily for investigation or diagnostic purposes.

Expenses related to enforced bed rest without treatment.

Obesity/Weight control treatments.

Change-of-gender treatments.

Cosmetic or plastic surgery unless for reconstruction following an accident or burns.

Hazardous or adventure sports.

Treatment arising from criminal activities.

Treatment for alcoholism, drug, or substance abuse.

Treatments in health hydros, nature cure clinics, etc.

Correction of eyesight due to refractive error less than 7.5 dioptres.

Unproven treatments, services, and supplies.

Pre-existing conditions not covered.

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HERizon Care FAQs

How Does Women Health Insurance Work?

It provides coverage for medical expenses related to women’s unique health needs, covering maternity, critical illnesses, and lifestyle disorders. Regular premiums have to be paid, and in case of any emergency, the insurance company covers the costs of the eligible treatments.

Which is the best age to get Women Health Insurance?

There is no best age a such for buying a health insurance policy, but the earlier you have it, the better it is. Ideally it is advised to get one in your 20s only.

Who can Buy HERizon Care Health Insurance?

Everyone can take a health insurance, and housewives are equally at risk of getting health issues. Your health insurance policy covers you irrespective of your profession.

I already have health insurance, do I need this additional health cover?

That’s great! HERizon Care actually complements your existing insurance by addressing gaps like preventive care, fertility solutions, and women-specific health needs. It ensures you’re covered for every aspect of your health, including covers for your unborn baby.

Are the benefits different from a regular family plan?

While family plans are great for general coverage, Bajaj Allainz health insurance for women (HERizon Care) is specifically created to address unique health concerns like female specific critical illnesses and a host of optional covers. It’s personalized in ways that a standard plan can’t offer.

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