As women cross the age of 40, the chances of developing health issues like breast cancer, cervical cancer, osteoporosis, diabetes, and hypertension increase. That’s why having the right health cover is so important. ACKO’s health insurance for women is designed to take care of these unique needs. The plan includes maternity benefits (under Group Medical Coverage), critical illness cover, and preventive care like regular health check-ups. Plus, with access to 11,500+ cashless hospitals across India, you can focus on your health while we take care of the bills.
Plans start at just ₹21/day*.
We pay 100% of your hospital bills
From syringes to surgeries
No limit on hospital room rent
No compromises on recovery
Opting for women health insurance can offer several benefits. Here’s a list.
Although practical, a Group Medical Cover (GMC) can be limited in terms of the sum insured. It also lasts only till you are employed. Coupling it with a dedicated women’s health insurance policy for yourself will offer better coverage than GMC.
While a GMC plays a huge role in covering maternity-related expenses, an individual plan can be relied upon for major medical issues. Thus, both can work in conjunction. That’s why it’s beneficial to have dedicated individual health insurance for women along with a company-offered GMC.
The amount of tax benefit you can claim depends on the amount of premium you pay and your income. This is an additional benefit that comes along with having financial cushioning in case of medical issues.
With insurance for women's health, you don't have to be concerned about managing medical expenses out of your pocket. This can give you peace of mind and financial security. A women's health insurance plan can help you achieve financial independence by covering the cost of your medical expenses. This can free up your money so you can use it for other things, such as saving for retirement or your child's education.
Consider investing in medical insurance for women that is designed for your needs. This can help you manage the financial burden of medical expenses and give you peace of mind knowing that you are covered.
Also, with digital-first health insurance for women you can gain access to top hospitals without worrying about escalating bills. Receiving timely medical care from professionals can make a lot of difference regarding diagnosis, treatment, and recovery.
Every woman deserves the right health cover. While a women’s health insurance plan is useful for all, it becomes even more important for the following.
Here is the list of ACKO health insurance for female in India.
| Plan Name | Sum Insured (₹) | PED Waiting Period | Key Highlights |
| ACKO Platinum Health Plan | ₹1 crore and Unlimited | No waiting period | Zero waiting period on pre-existing diseases, no co-pay, unlimited restoration of sum insured |
| ACKO Standard Health Plan | ₹10 lakh to ₹1 crore | 3 years | Affordable health cover with cashless hospitalisation and wellness benefits |
| ACKO Super Top-up Plan | ₹10 lakh to Unlimited | No waiting period | Backup health insurance cover at a lower premium, kicks in after deductible amount is crossed |
| ACKO Group Medical Cover (GMC) | Customised (as per employer) | Varies by employer | Maternity benefits, preventive health check-ups, and cashless treatment at 11,500+ network hospitals |
The following coverages are offered by the ACKO Platinum Plan. Please refer to the policy wordings to know precise coverages.
Here are some instances that are not covered under a women health insurance policy. Please go through the respective policy wordings for details about exclusions.
Women need health insurance because they face unique health risks that make dedicated health coverage essential. A good plan ensures timely care without financial stress. Here’s why it matters.
Covers conditions like fibroids and cysts, along with related consultations and treatments.
Protection against high-cost treatments for breast cancer and other major illnesses, including hospitalisation, chemotherapy, and surgery.
Financial support for gestational diabetes and its complications.
Annual check-ups, mammograms, cholesterol tests, blood pressure monitoring, and other routine screenings.
Access to counselling, therapy, and psychiatric care for postnatal depression, workplace stress, and more.
Support for genetic and family-linked conditions like breast or ovarian cancer, including preventive surgeries.
Pap smears, mammograms, and vaccines such as HPV to lower long-term risks.
Financial protection in case of unexpected accidents.
Buying insurance early keeps premiums affordable and ensures wider protection in the long run.
Health insurance for women is now more inclusive than ever, due to IRDAI’s latest guidelines.
No upper entry age limit. Women can buy health insurance at any age (subject to health and underwriting).
Policies can cover children, spouses, and parents along with the woman insured.
A health declaration is required, and medical tests may be suggested depending on age and health status.
Covered as per plan terms. For instance, ACKO Platinum Health Plans come with no waiting period for pre-existing conditions.
Consider the following key factors when buying insurance for women and reviewing coverage details.
Ensure the policy includes pre-existing disease, OPD, IPD, and post-hospitalisation expenses and still includes services like telemedicine.
In the case of group health insurance, a separate insurance plan for women is vital since it gives you protection in case you switch jobs or require other benefits.
Safeguard your family with a higher sum insured to include more expensive diseases such as breast cancer, ovarian cancer, and other diseases.
Buying insurance for women at a young age because it fixes the rates at the lowest level and will pay for aging risks, including preventive care.
Choose an insurer with efficient digital procedures and customer service, friendly and accessible around the clock, and good recommendations for fast and hassle-free claims processing.
Pays for admission to a hospital, surgery, and other expenses associated with it.
Includes medical expenses that are accrued before admission to a hospital, including tests and doctor fees.
Providing for expenses incurred after the patient has been discharged from the hospital, whether in terms of follow-up visits, medication, or recovery treatments.
It enables one to speak with doctors using the available resources without going to the hospital.
Facilitating cashless treatment at network hospitals, thereby uplifts the high costs incurred on medical bills.
The fact that excluding the cost of the treatments to be covered means that there will be no additional costs for those seeking the services.
Digital-first insurance companies do not need a long list of documents for offering insurance for women’s health. However, the following might be needed on a case-by-case basis.
If you are looking for women’s health insurance, you can buy the ACKO Platinum Plan. Here’s how to go about it.
Living in a fast-paced generation, getting insurance for women is beneficial in protecting their health and financial future. The correct policy shields you from emerging expenditure on ailments, complex conditions, gynaecological issues, and check-ups. Selecting the broad options and purchasing the policy as early as possible is mandatory to have the best shield type.
The ACKO Health plans should be looked at for women looking for convenient and dependable health insurance. These and other benefits include cashless hospitalisation, no out-of-pocket expenses, as the name suggests, and straightforward claims through the following processes.
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Reviewed by Dr. Harshita Dahiya 
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at 1800 266 2256 for any queries.
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