Health Insurance Plans for Women

Personalised Coverage for Every Stage of Life

Coverage crafted to support women at every stage of life.

Maternity & Newborn Baby Expenses

Includes coverage for maternity expenses (delivery and lawful medical termination), newborn baby hospitalization and first year vaccinations.

Preventive Health & Wellness Checks

Regular health check-ups and screenings help in better long-term health outcomes.

24x7 Claims Support

Round-the-clock assistance ensures smoother claim filing during medical emergencies.

Why Choose ManipalCigna’s Health Insurance for Women

Choosing the right health insurance is about trust, comprehensive coverage, and long term support. With ManipalCigna, you get women focused plans strengthened by reliable service and flexible features.

Affordable Premiums for Seniors

Cost-effective plans designed for long-term affordability

Multi-Year Policies

Enjoy premium savings with uninterrupted coverage

Extensive Hospital Network

Access to a wide network of cashless hospitals

Various Payment Options

Flexible modes for premium payment

Expert Assist

Guidance and support during policy purchase and claims

Instant Quote Facility

Quick and hassle-free premium calculation

Easy Policy Management

Manage policies digitally with ease

Pre-Existing Disease Coverage

Coverage after applicable waiting periods

24x7 Emergency Assistance

Round the clock emergency assistance, available anywhere you are

Lifetime Renewability

Continue coverage without age restrictions

No-Claim Bonus

Increased sum insured for claim-free years

Compare Our Women’s Health Insurance Plans

Type	ManipalCigna Sarvah	Lifetime Health Plan
Coverage	Get comprehensive hospitalisation coverage that includes in patient care, pre and post hospitalisation expenses, daycare treatments, road and air ambulance and AYUSH treatment.	High-value hospitalisation insurance with long-term protection and extensive coverage India-wide.
Sum Insured	Extensive coverage options from Rs. 5L to 3 Cr	₹50 L – ₹3 Cr
Premium	Affordable premiums without compromising on extensive benefits.	Premium aligned with higher coverage limits
Unique Benefits	Unlimited cover for listed critical illnesses, Multiple Restorations of exhausted base Sum Insured, Cumulative Bonus up to 1500% of the base Sum Insured, Health Check-up available annually and many more	Guaranteed cumulative bonus, premium waiver benefit

Overview of Health Insurance for Women

Understanding how women’s health insurance works helps in making informed healthcare decisions.

Coverage Across Life Stages

Support for changing medical needs over time.

Preventive and Curative Care

Encourages early detection and timely treatment.

Cashless & Reimbursement Options

Flexibility in choosing treatment and hospitals.

Transparent Policy Structure

Clear inclusions, exclusions, and claim terms.

Key Benefits of Health Insurance for Women

Our women’s health insurance plan is designed to support both everyday healthcare needs and unexpected medical situations. From maternity care to critical illness protection, it offers well-rounded coverage that adapts to different life stages.

Maternity Coverage with Waiting Period Benefits

Helps cover maternity-related medical expenses after the waiting period, ensuring planned pregnancy care is financially supported.

Comprehensive Hospitalisation Cover

Covers inpatient hospitalisation expenses, including room rent, ICU charges, doctor fees, and other associated medical costs.

Annual Health Check-ups

Encourages preventive care through regular health check-ups that help monitor health and detect issues early.

Critical Illness & Cancer Cover

Provides financial protection against serious illnesses that often require long-term and high-cost treatment.

Preventive Screenings & Check-ups

Supports proactive healthcare with access to screenings that aid in early diagnosis and better health management.

Teleconsultations

Get unlimited tele consultations with a General Physician throughout the policy year

Easy Claim Processing

Ensures a smooth and transparent claim experience with digital support and assistance throughout the process.

Policy Coverage & Exclusions for Women’s Health Insurance

Understanding coverage and exclusions helps in choosing the right policy confidently.

Common Inclusions of a Women’s Health Plan

Women’s health insurance plans typically include essential medical coverage that supports both planned treatments and medical emergencies.

Hospitalisation Expenses

Covers medical costs incurred during hospital stays, including room rent, ICU charges, doctor fees, and nursing expenses, subject to the policy coverage limits.

Pre & Post-Hospitalisation Costs

Covers medical expenses incurred for consultations, tests, and medicines before and after hospitalisation, as specified under the policy.

Ambulance Charges

Provides coverage for emergency ambulance services required to transport the insured person to the hospital, up to the defined limit.

Alternate Treatments

Covers expenses for AYUSH treatments such as Ayurveda, Yoga, Unani, Siddha, and Homoeopathy, where treatment is taken at recognised centres.

Daycare Procedures

Includes medical procedures that do not require a 24-hour hospital stay due to advancements in medical technology.

Domiciliary Treatment

Covers medical treatment taken at home when hospitalisation is not possible or medically advised, as per policy conditions.

Common Exclusions of a Women's Health Plan

Certain medical expenses are not covered under women’s health insurance policies. Understanding these exclusions helps avoid claim-related surprises at a later stage.

Self-Inflicted Injuries or Suicide Attempts

Expenses arising from intentional self-harm or suicide attempts are excluded from coverage under the policy.

Pre-Existing Diseases (During Waiting Period)

Medical conditions existing before policy purchase are covered only after completion of the applicable waiting period.

Overseas Treatments

Medical treatments taken outside the country are not covered unless specifically mentioned in the policy.

Dental and Vision Treatments

Dental and eye treatments are generally excluded unless required due to an accident or covered under specific conditions.

Treatments Resulting from Intoxicating Substances

Expenses arising from the use of alcohol, drugs, or other intoxicating substances are not covered.

Unproven or Experimental Treatments

Treatments that are not medically established or approved are excluded from coverage.

Non-Prescribed Medical Supplies

Costs for medical supplies or equipment not prescribed by a registered medical practitioner are excluded.

Optional Add-ons for Enhanced Protection

Add-ons allow you to customize your women’s health insurance plan by enhancing coverage for specific healthcare needs. These optional benefits can be selected at the time of policy purchase or renewal, as per policy terms.

Critical Illness Rider

Provides a lump-sum payout on diagnosis of listed critical illnesses, helping manage treatment costs and loss of income.

Personal Accident Cover

Offers financial protection in case of accidental death or permanent disability, providing additional security.

Unlimited Restorations

Get unlimited restoration of exhausted base Sum Insured for all illnesses (whether unrelated or same), multiple times in a policy year. 

Maternity Expenses

Opt for coverage towards maternity expenses (delivery and medical lawful termination), newborn baby hospitalization and listed first year vaccinations.

Reduction in Waiting Period

With ManipalCigna Prime Senior and Sarvah Param opt for a reduction in waiting period for pre-existing conditions, enabling faster access to coverage.

Important Information Related to Mediclaim for Women

Confused about women’s health insurance? We’ve got all the answers.

Understanding Medical Insurance for Women

Basics of coverage and benefits.

Factors That Affect Health Insurance Plans for Women

Age, lifestyle, and health history impact premiums.

Benefits of Regular Health Check-ups for Women

Early detection improves long-term outcomes.

Tax Benefits of Women’s Health Insurance

Premiums may offer tax advantages.

How to Claim Medical Insurance for Women

Step-by-step claim guidance.

Understanding Pre-Existing Disease Cover

Waiting periods and eligibility explained.

Top Health Insurance Plans for Women

Comparing available options.

Importance of Maternity & Child Care Cover

Financial support during motherhood.

Why Working Women Need Health Insurance

Protection against medical and income risks.

Tips to Renew Women’s Health Insurance on Time

Avoiding coverage gaps.

FAQs

Does health insurance offer coverage for childbirth?

Yes, maternity benefits are available after the applicable waiting period.

Can a homemaker or housewife get health insurance?

Yes, employment is not mandatory to purchase health insurance.

Can both spouses file claims under their health insurance policies?

Yes, claims can be filed under individual policies as per coverage.

Can I include my newborn under the same women’s health insurance plan?

Newborns can usually be added within a specified time after birth.

Does women’s health insurance include coverage for critical illnesses?

Yes, coverage for listed critical illnesses is available under eligible plans.