Health insurance can be confusing. Let’s make it simpler for you.
Source: NFHS-5, Ministry of Health & Family Welfare
Talk to a trained woman advisor who will understand your situation, answer your questions, and help you make sense of your options.
Speak to a Woman Advisor
Hi, I’m Ritu. I help women understand health benefits in simple language.
Hi, I’m Anjali. I believe no woman should feel unsure about her cover
Hi, I’m Meena. I’m here to make health insurance conversations less confusingHere’s something you can ask: “Should I buy now or wait?” Our woman advisors can explain how early planning helps you unlock benefits like higher coverage over time, as the simple tool below also shows you.
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“I could just ask whatever I wanted. Didn’t feel like a sales call at all.”
After this call, I finally understood what co-pay actually means.
I’m not buying anything yet - but at least now, I know what I need
Frequently Asked Question
Does health insurance cover regular check-ups or just hospitalisations?
Traditionally, health insurance plans focused mostly on hospitalisations—basically, the big stuff like surgeries or overnight stays. But today, a lot of them now include coverage for regular check-ups, health screenings, and preventive care.
Can I get health insurance if I already have PCOS, thyroid, or other issues?
Yes, you can absolutely get health insurance as these are pre-existing conditions, and most insurers do provide coverage. But there are a few things to keep in mind:
a) You’ll need to declare them when applying. It might feel a bit intimidating, but being honest is super important. It ensures that your claims are smooth later on.
b) There might be a waiting period and exception as per the policy
What kind of insurance should I look for if I plan to start a family soon?
Choose health insurance with maternity coverage, including delivery, prenatal care, and new-born cover. Watch out for waiting periods — usually 1 year to 2 years. Some plans also cover fertility treatments. Start early so you're covered when it matters most. Add your baby to the plan after birth.
If I am in my 30s and planning a family, how much health insurance coverage do I actually need?
The optimum amount of coverage depends on multiple factors like city of residence, lifestyle, family medical history, premium paying capacity etc. however, one should go for at least ₹10–15 lakhs health coverage. It should include maternity, hospitalisation, and new-born care. A family floater plan is ideal just check the waiting period for maternity benefits to ensure you’re covered when you need it.
What is the difference between individual and family floater health insurance?
An individual plan covers one person with a specific sum insured just for them. A family floater shares one sum insured among all family members—like you, your spouse, and kids. It’s cost-effective for young, healthy families.
Women’s health insurance is a specialised insurance policy designed to offer financial protection for women’s unique healthcare needs and medical expenses.
At different life stages, women have unique healthcare requirements. For example, between 25-35 years of age, women may wish to plan their pregnancy and need maternity care. Between 35-45 years, they might need medical care for chronic conditions like diabetes and hypertension. In later years, the risk of critical illnesses, such as cervical and breast cancer, increases. And at every stage, physical and mental health and wellness need special attention.
At TATA AIG, we offer comprehensive health insurance for women that will help you meet these evolving healthcare requirements. You can cover treatment costs, hospitalisations, medications and preventive care, including vaccinations and screenings.
According to a PIB report (Jan 2023), Polycystic Ovary Syndrome (PCOS) is found in 6-26% of women globally and 3.7-22.5% in India. With female health insurance plans, we help you cover consultations, diagnostic tests and treatments for PCOS.
A recent study found that 52.4% of women in India are affected by obesity. This can lead to PCOS, fertility and menstrual complications. With our medical insurance for women, we offer coverage for the necessary medical care in such scenarios.
Findings from scientific reports reveal that breast cancer cases are expected to rise by about 50,000 annually till 2030, growing at a rate of 5.6% per year. Health insurance for women helps you stay protected against such rising health risks.
From regular screenings to emergency treatments and planned hospitalisations, this cover helps you manage medical expenses when you need care the most. It helps in early diagnosis and getting timely access to quality healthcare services.
Health insurance for women offers broad coverage, including diagnostic tests, consultations, screenings, hospitalisation, pre- and post-hospitalisation, ambulance services, and more. It ensures complete protection.
Affordable Premiums
Premiums start at ₹15 per day.
Cumulative Bonus
50% of the base sum insured, maximum of up to 100% or 1% discount for claim-free years.
Specialised Coverage
Enhanced protection with the EmpowerHer optional rider for women-specific health conditions, such as PCOD and infertility treatments.
Comprehensive Coverage
Covers counselling services, consultations, diagnostic tests, treatments, and more.
Maternity and Newborn Care
Coverage for maternity-related healthcare expenses, including delivery complications and newborn care.
Critical Illness Protection
Offers a lump sum payout for critical illness health conditions.
Extensive Coverage
Sum insured ranging from ₹5 lakhs to ₹300 lakhs.
Personalised Plans
Choice of optional riders and add-ons for customised coverage.
Preventive Care
Coverage for preventive health check-ups, screenings,
Cashless Hospitalisation
Over 12,000 network hospitals across India.
Instant Policy Issuance
Quick and effortless online process for instant policy issuance.
Claim Settlements
Hassle-free processes for both cashless and reimbursement claim settlements.
Offers comprehensive health insurance coverage designed exclusively for one woman.
Covers maternity-related expenses, including delivery complications and first-year vaccinations for the newborn.
Offers extensive coverage against critical illnesses, such as breast cancer, for timely access to essential and quality healthcare services.
Includes health coverage for women as part of a family floater health insurance policy.
TATA AIG offers two health insurance policies designed to meet the specific healthcare requirements of women. These policies are available as individual plans or family floater options.
In addition to offering comprehensive coverage, TATA AIG’s women-centric health insurance also includes optional covers, such as Women Suraksha, Maternity Care, Cancer Benefit, and Mental Wellbeing for additional protection. Many of these optional covers are part of the “EmpowerHer” rider, a specialised add-on designed to empower women by offering enhanced protection for women-specific health conditions and treatments.
Let us have a quick look at these health insurance plans and the optional rider.
- Sum Insured - ₹5 lakhs to ₹300 lakhs.
- Unlimited Coverage - Restoration of base sum insured unlimited times.
- Maternity Care - Covers maternity costs, delivery complications and first-year vaccinations for the newborn.
- Infinite Advantage - Coverage for one admissible claim without any limit during the lifetime of the policy.
- Early Access - Access to the entire sum insured anytime during the policy period for multi-year policies.
- No Claim Bonus - Cumulative bonus of 50% of the base sum insured, maximum of up to 100% or 1% discount in renewal premium for every claim-free year.
TATA AIG Medicare Premier
- Global Cover for Planned Hospitalisation - Covers medical expenses related to in-patient and daycare hospitalisation incurred abroad.
- Automatic Restoration - Restores the basic sum insured if the sum insured and cumulative bonus are used up for a claim during the policy year.
- Maternity Care - Covers maternity costs, delivery complications and first-year vaccinations for the newborn.
- Consumables Benefit - Covers the cost of specified consumables related to medical or surgical treatment.
- Home Care Treatment - Covers the expenses incurred for treatment taken at home.
- Wellness Program and Services - Health risk assessment, consultations, check-ups and more for promoting wellness and fitness among women.
As you navigate through life, growing as an individual, a loving wife, a nurturing mother, and a proud grandmother, we are here to ensure you stay healthy and strong.
With TATA AIG’s EmpowerHer rider, you can access health insurance coverage that helps you manage your health concerns with confidence. It is designed to support your overall wellbeing, going beyond just medical coverage.
The benefits offered under the optional rider are over and above the base sum insured and do not affect your cumulative bonus.
Here is a quick overview of what it includes:
We consider expert health and wellness counselling important for every woman. Woman Suraksha offers comprehensive coverage, including consultations, treatments for PCOD/S, cancer screening, and cervical cancer vaccination through our network hospitals.
She Care+
Consultation Services - Gynaecology consultations and dermatology consultations from experts.
Counseling Services - Premenstrual Syndrome (PMS) Counselling, Menarche Counselling, Menopause Counselling and Infertility Counselling through certified experts.
Access Through Multiple Channels - In-person, audio, video, online portal, chat or any other digital mode as per your convenience.
Polycystic Ovarian Cover
Consultation - In-person consultations with a medical practitioner for PCOD/S.
Covers Diagnostic Tests - Covers diagnostic tests such as Prolactin Serum, Thyroid Function Test, HbA1c, Follicular Stimulating Hormone, etc.
PCOS Treatment - Covers medical treatment for Polycystic Ovarian Disease/Syndrome.
Women+ Screening & Vaccination Cover
Breast Cancer Screening - Mammography
Ovarian Cancer Screening - Ultrasound & CA 125
Cervical Cancer Screening - Pap Smear
Cervical Cancer Vaccination - Covers the cost of cervical cancer vaccination when availed at our network of empanelled service providers.
