Women Health Insurance - HERizon Care

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 well-being.

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

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!

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.

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.

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.

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.

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.

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.