•  Lower Premiums for Women

  Premium rates for women are lower throughout the entire policy term. This makes life insurance more manageable and affordable in the long run.

• Comprehensive Life Cover

  The plan offers a lump sum amount to your dependents in the event of your death within the policy duration. The money can be used to pay for regular expenses, loans, and future expenses.

• Annual Health Check-ups and Specialist Consultations

  Women can get annual full-body health checks, including women-specific health screenings, and consultations with specialist physicians through telemedicine or physical visits.

• Premium Break During Pregnancy⁴

  During pregnancy, women can pause premium⁴ payments for up to 12 months. Such benefits provide temporary financial relief without compromising insurance coverage at a critical time.

• Child Education Protection³

  With an additional premium, you can add a benefit that helps fund your child's education⁹ until they turn 21 or 25. This helps to secure children's future in your absence.

• Waiver of Premium² on Spouse’s Accidental Death

  When your spouse dies due to an accident, the insurer will waive future premiums⁸, ensuring your coverage continues.

• Discount for Single Mothers

  There is a special lifetime discount on premiums for single mothers⁵. As a result, it becomes convenient to manage term insurance coverage along with their essential responsibilities.

• Health Buddy Enhance

  For a nominal additional charge, you can get access to extra wellness services such as teleconsultations, vaccinations, health check-ups, and discounts on medicines.

• Value-Added Services

  The policy provides discounts on pharmacy purchases (in-shop and home delivery) and access to wellness programs such as fitness plans and mental health consultations for overall wellness.

Under Health Buddy Enhance, women have multiple benefits such as Annual health check-up, Lifestyle & Condition Management, Women Care, Wallet for Vaccinations, Medicines, Tests & Spectacles Benefit & Specialist consultations.

• Annual Health Check-up 

  Benefit from a detailed yearly health check-up that goes beyond standard tests. This check-up includes full-body health check-ups to detect hidden risks early.
  Women-specific screenings like PAP smear to detect cervical cancer risk, anemia tests to monitor iron levels, and PCOS tests for hormonal imbalance, ensuring complete preventive care tailored for women and much more.

• Specialist Consultations (Tele and in-person consultation)

  Get 4 Teleconsultation per month and 4 OPD consultation per year with top doctors across specialties that are important for women’s long-term health, including:
  Orthopedics (for bone & joint health), Endocrinologists (for thyroid, diabetes & hormone issues), Neurologists (for brain & nerve health), Urologists (for urinary concerns), Diabetologists and Cardiologists to comprehensively safeguard your health. 

• Wallet for Vaccinations 

  Stay protected against major health risks with a dedicated wallet that helps cover:

  • Cervical cancer vaccines (HPV) to reduce future risk.
  • Flu shots and hepatitis vaccines to keep your immunity strong.
  • Shingles vaccination, crucial especially as you age, for long-term wellness.

• Women Care  

  PCOD management programs with diet, exercise and stress control guidance. IVF counselling to help you understand fertility options and make informed choices

• Lifestyle & Condition Management

  Structured programmes to help you manage chronic conditions and lead a healthier lifestyle:

  • Diabetes management plans with nutrition and activity coaching.
  • Hypertension tracking with regular follow-ups to keep blood pressure under control.
  • Personalised weight management guidance, combining expert diet advice with fitness tips to achieve sustainable results.

• Medicines, Tests & Spectacles Benefit 

  Discounts on medicines, lab tests, and spectacles. Cashless or reimbursement options that reduce the money you pay from your own pocket for routine health requirements.

• Medical 2^nd Opinion 

  Get medical second opinion from specialists, a health concierge for end-to-end support, and a case manager doctor for guidance throughout the process. Additional services such as ambulance (user paid), vaccination inoculation at home (user paid), nurse at home support (user paid), and other healthcare support like equipment rentals (wheelchair, ICU bed, etc.) are also available at the user's expense. 

• Dental Wellness

  The Dental Wellness plan includes two in-person consultations with a dentist, including orthodontist services. Cashless reimbursement facility of up to Rs 1000 is also available for each consultation, credited to the wallet.

• Value Added Services

  Under Value Added Services, customers can avail discounted prices in pharmacy ordering for both in-store and home delivery, as well as discounted diagnostics for home sample collection or center visits. Additionally, the plan provides access to wellness sessions, videos, and podcasts, including personalized fitness programs and mental health content such as yoga, meditation, mindfulness, dance fitness, and specialist medical sessions.

• Age of the Applicant:

  The younger you are, the lower your term insurance premium for women can be. Early purchase can help you ensure coverage for a longer policy term at competitive rates.

• Coverage Amount Needed:

  Choose a sum assured based on your family’s lifestyle, future responsibilities, and ongoing liabilities like home or education loans.

• Income and Financial Dependents:

  Ensure the plan acts as your income replacement and supports dependents like children, spouse, or ageing parents during difficult times.

• Claim Settlement Ratio of the Insurer:

  A high claim settlement ratio indicates the insurer’s reliability in settling claims quickly and without delays.