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All You Need to Know About Women-specific Critical Illness Insurance

Team AckoFeb 20, 2025

Women have special needs when it comes to medical attention. If a woman is diagnosed with a critical illness, it can cause a heavy blow to her family. The devastating effect can be emotional as well as financial. In such a situation, securing the finances with the help of women-specific critical illness insurance could be of great help.

Contents

What is a Critical Illness Health Insurance?
What are the benefits of a Women-specific Critical Illness cover?
How to buy a Women-Specific Critical Illness Cover?
Plan Your Future with Life Insurance

What is a Critical Illness Health Insurance?

Critical illness, is a collective term referred to a life-threatening illness. Critical illness insurance offers a lump sum amount in case you are diagnosed with a listed serious condition after buying the policy. Buying a critical illness policy can prove to be a major financial help if we consider the skyrocketing costs of availing medical treatment for any major illness like cancer. One can use this financial help for any purpose say treatment, clearing any debts or save it for the future.

What are the benefits of a Women-specific Critical Illness cover?

The benefits offered by a women-specific critical illness cover are different from a normal critical illness health insurance plan. Let’s take a look at the coverage offered by this kind of health insurance:

Breast Cancer

Breast Cancer can occur when the cells in the milk-producing ducts or other cells in the surrounding areas begin to grow abnormally. According to research, hormonal, lifestyle and environmental factors may cause breast cancer.

Fallopian Tube Cancer

On rare occasions, cancer may develop in the tube that connects the ovaries to the uterus. It can mostly affect women between the ages of 50 to 60 years; however, age might not be a factor in rare cases.

Uterine Cancer

Cancer in the uterus can be identified in case of abnormal bleeding, discharge, pain with urination, and/or pelvic spasms. To reach a definite diagnosis your doctor may ask you to undergo a biopsy, X-ray, and/or CT or MRI scans.

Other types of cancer covered are Ovarian Cancer, Vaginal Cancer, and Cervical Cancer.

Congenital Disability Benefit

Congenital Disability is a condition that a baby may suffer by birth. Women-Specific critical illness insurance may include these benefits because giving birth to a child is a natural process carried out by women. The plan may pay 50% benefits depending upon the terms and conditions of the health insurance company. The list of congenital disabilities may include:

Down’s Syndrome

Congenital Cyanotic Heart Disease

Trachea-esophageal Fistula

Cleft Palate with or without cleft lip

Spina Bifida

This benefit may be available only for the first two children born to the policyholder before she turns 40 years of age.

Also, check: Health Insurance for Women

Other Benefits

Tax Benefits

Under section 80D of the Income Tax Act, 1960, you might be eligible for a tax benefit on a women-specific critical illness policy. Remember to use a digital method of payment while buying your policy as cash transactions are not admissible for a tax benefit.

Children’s Education

Some Indian insurer’s offer an additional benefit of around Rs. 25, 000 for your child’s education if you are diagnosed with a critical illness.

How to buy a Women-Specific Critical Illness Cover?

You may have to do a little research to find an insurance company that offers a women-specific critical illness plan. Once you select your insurer, visit the company’s website to buy online health insurance. Buying online health insurance helps you buy the policy at a lower price, and you can also compare its features and benefits with other plans.

What is Term Insurance With Women-specific Critical Illnesses?

As the name suggests, a term insurance with women-specific illnesses refers to a policy that covers major health issues that mostly affect women. Certain types of Cancers, gynecological issues and other issues that are more common in women are covered by this plan.

How Does the Term Insurance with Critical Illness Rider Work?

To make it easy, let's look at an example:

Kalyani has purchased 1 Crore term insurance along with a Critical Illness Rider of Rs. 20 lakhs and continues to diligently pay her premiums. In case she gets diagnosed in the fifth year of her policy, Kalyani will be able to get Rs. 20 lakhs rider amount to cover her treatment expenses.

What are the Women-specific Cancers Covered in Term Insurance?

A critical illness rider covers some of the most common Cancers such as:

Breast cancer

Cervical cancer

Ovarian cancer

Fallopian cancer

Uterine cancer

The bottom line

Remember that all hope is not lost when you are diagnosed with a critical illness. With proper treatment and care, the risks associated with this illness can be mitigated.

Below are some of the frequently asked questions on Women-specific Critical Illness Insurance

When is the right age to buy term insurance with Cancer cover?

Our suggestion would be to buy it as early as possible.

Should I get term insurance with critical cover on top of my health insurance?

Yes, A health insurance might take care of the treatment costs, but might need extra support to foot the daily expenses.

Is pregnancy covered under this policy?

It completely depends on the plan and the inclusions you choose.

Plan Your Future with Life Insurance

Just as health insurance is essential for safeguarding the well-being of your family by covering unforeseen medical costs, life insurance protects their long-term finances in emergencies.

Life insurance is a vital step in ensuring your family’s financial stability. Plans like term insurance are excellent choices if you are seeking cost-effective coverage. A 1 crore term insurance plan provides great financial stability at a low cost. If you’re considering purchasing a term plan, ensure to use a term life insurance premium calculator to make informed decisions. This tool allows you to find the right coverage and calculate premiums based on your budget and lifestyle, making the procedure simple and hassle-free.

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