EmpowerHer: How TATA AIG’s Health Insurance Supports Women’s Health in 2025

Women’s health needs are unique, spanning menstrual health, maternity, and critical illnesses like breast cancer, with medical costs soaring (₹1–10 lakh for hospitalizations). In 2025, with 13% medical inflation (per Aon’s 2025 Report), comprehensive health insurance is vital. TATA AIG General Insurance, a trusted name (IRDAI Regn. No. 108, valid till 09/06/2027), offers tailored solutions like the EmpowerHer rider (UIN: TATHLIA25036V012425) alongside plans like MediCare Select and Wellsurance Woman, with a 99.34% claim settlement ratio (Q4 FY 2024–2025) and 12,000+ network hospitals. This 1,400-word blog explores how TATA AIG’s health insurance empowers women, detailing coverage, benefits, pros, cons, and FAQs.

Why Women Need Specialized Health Insurance

Women face distinct health challenges—PCOS affects 20% of Indian women, infertility treatments cost ₹1–2 lakh, and breast cancer cases are rising (1.5 lakh annually, per ICMR). TATA AIG’s EmpowerHer rider, paired with MediCare Select (UIN: TATHLIP25051V012425) or MediCare Premier (UIN: TATHLIP26052V052526), addresses these with coverage for gynaecological issues, maternity, and preventive care like cervical cancer vaccinations. With 44% of Indians uninsured (2018 study, Tata AIG), women-specific plans ensure financial security and access to quality care.

Key Features of TATA AIG’s EmpowerHer Rider

The EmpowerHer rider, launched in 2024, enhances TATA AIG’s base health plans for women aged 18–65. It offers over 60 benefits, focusing on female-specific health needs.

1. Comprehensive Gynaecological Coverage

• What’s Covered: Treatments for PCOS, endometriosis, and menstrual disorders like menarche or menopause issues. Includes PMS, menarche, and menopause counseling via certified experts.
• Why It Matters: PCOS affects 1 in 5 Indian women, with treatment costs of ₹50,000–₹1 lakh annually. EmpowerHer covers diagnostics, consultations, and therapies, reducing out-of-pocket expenses.

2. Infertility and Maternity Support

• What’s Covered: Infertility treatments (e.g., IVF, up to ₹1 lakh) and maternity expenses (delivery, C-sections, complications like ectopic pregnancy). MediCare Select offers maternity cover up to ₹50,000 after a 9-month waiting period.
• Why It Matters: IVF costs ₹1–2 lakh per cycle, and maternity hospitalizations average ₹50,000–₹1 lakh. EmpowerHer ensures affordability for growing families.

3. Preventive Care and Vaccinations

• What’s Covered: Cervical cancer vaccinations (HPV), breast cancer screenings, and preventive check-ups (every 2 claim-free years). OPD consultations with gynaecologists and dermatologists are included.
• Why It Matters: Cervical cancer affects 1.3 lakh Indian women annually (WHO), and early detection reduces mortality by 80%. EmpowerHer promotes proactive health management.

4. Mental Wellness Support

• What’s Covered: Mental health screenings, therapy, and rehabilitation services, accessible via in-person, online, or video consultations in 10+ languages.
• Why It Matters: 25% of Indian women face mental health issues like anxiety or depression (NIMHANS). EmpowerHer addresses stigma and costs (₹5,000–₹20,000/year for therapy).

5. Cancer-Specific Protection

• What’s Covered: Lump-sum payouts for female-specific cancers (e.g., breast, cervical) via the CanCare rider integration, plus chemotherapy and radiotherapy costs.
• Why It Matters: Cancer treatment costs ₹5–20 lakh. EmpowerHer’s financial support ensures timely care without debt.

Additional Benefits of TATA AIG Health Plans

• Cashless Treatment: Available at 12,000+ network hospitals, with 76.95% cashless claims settled within 4 hours (FY 2024–2025).
• Global Coverage: MediCare Select covers planned hospitalizations abroad if diagnosed in India, up to ₹3 crore sum insured.
• Tax Benefits: Premiums qualify for deductions up to ₹25,000 (under 60) or ₹50,000 (over 60) under Section 80D.
• No Pre-Policy Check-Up: Required for ages up to 45, easing access for young women.
• NCB and Restore Benefits: 50–100% cumulative bonus for claim-free years; unlimited sum insured restoration with Flexi Shield.

How to Purchase TATA AIG’s EmpowerHer Health Insurance

1. Visit www.tataaig.com or www.policybazaar.com, select “Health Insurance,” then “MediCare Select/Premier.”
2. Choose “EmpowerHer” rider with base plan, enter details (age, location, family members).
3. Select sum insured (₹3 lakh–₹3 crore), policy tenure (1–3 years), and add-ons.
4. Answer medical/lifestyle questions (e.g., PCOS history) for customization.
5. Complete KYC, pay via UPI/card, and receive e-policy instantly.
6. For queries, call 1800-266-7780 or email customersupport@tataaig.com.

5 Tips to Maximize Benefits

1. Disclose Medical History: Declare PCOS or infertility for tailored coverage; non-disclosure risks claim rejection.
2. Opt for Family Floaters: Cover spouse/children under MediCare Select for 10–15% lower premiums.
3. Use Network Hospitals: Access 12,000+ hospitals for cashless claims to avoid upfront costs.
4. Leverage Preventive Care: Schedule biennial check-ups and vaccinations to catch issues early.
5. Track Claims Online: Use the TATA AIG app for real-time claim status and document uploads.

Pros of TATA AIG’s EmpowerHer Health Insurance

• High CSR: 99.34% claim settlement ratio ensures reliable payouts.
• Women-Centric Coverage: Addresses PCOS, infertility, maternity, and female cancers.
• Extensive Network: 12,000+ hospitals and 5,000+ OPD doctors for cashless treatment.
• Preventive Focus: Free check-ups, HPV vaccinations, and mental health screenings.
• Flexible Plans: Sum insured from ₹3 lakh–₹3 crore, with family floater options.
• Digital Ease: Online purchase, claim filing, and tracking via app/website.
• Global Reach: Covers planned treatments abroad, ideal for NRIs.
• Tax Savings: Up to ₹50,000 deduction under Section 80D.

Cons of TATA AIG’s EmpowerHer Health Insurance

• Waiting Periods: 9 months for maternity, 2–4 years for pre-existing diseases (e.g., PCOS).
• Add-On Costs: EmpowerHer rider increases premiums by ₹2,000–₹5,000/year.
• App Glitches: Occasional errors during online claims or renewals.
• Exclusions: No coverage for cosmetic surgeries (except accident-related), suicide, or war-related illnesses.
• Reimbursement Delays: Non-network claims may take 7–15 days.
• Limited Monthly Premiums: Only annual/quarterly payment options available.
• Telemarketing: Post-purchase calls for cross-selling can be intrusive.

TATA AIG’s Edge in 2025

TATA AIG’s EmpowerHer rider, integrated with MediCare Select/Premier, addresses 2025’s rising women’s health needs (e.g., 20% PCOS prevalence, 1.5 lakh cancer cases). With a 30% projected CAGR in health insurance (per The Hindu), its 12,000+ hospital network, 76.95% cashless claim efficiency, and digital tools (TATA AIG app) ensure accessibility. Customer testimonials praise quick settlements (e.g., ₹2 lakh for maternity in Bengaluru). Despite waiting periods and app issues, EmpowerHer’s comprehensive coverage empowers women to prioritize health without financial stress.

FAQs About TATA AIG’s EmpowerHer Health Insurance

Q1: What does the EmpowerHer rider cover?
A: PCOS, infertility (IVF), maternity, female cancers, cervical cancer vaccinations, and mental health screenings/counseling.

Q2: Is it mandatory to buy a base plan with EmpowerHer?
A: Yes, it’s an add-on for MediCare Select (UIN: TATHLIP25051V012425) or MediCare Premier (UIN: TATHLIP26052V052526).

Q3: Can I get cashless treatment with EmpowerHer?
A: Yes, at 12,000+ network hospitals, with 76.95% claims settled in 4 hours.

Q4: What’s the claim process?
A: Notify within 24 hours (emergencies) or 48 hours (planned) via 1800-266-7780 or www.tataaig.com. Submit claim form, bills, and medical records; track via app.

Q5: Are pre-existing conditions covered?
A: After 2–4 years waiting period, if declared (e.g., PCOS). Non-disclosure risks rejection.

Q6: Can seniors buy EmpowerHer?
A: Yes, for ages 18–65; seniors (60+) can pair with MediCare plans for broader coverage.

Q7: How to reduce premiums?
A: Opt for family floaters, claim-free NCB (50–100%), or higher deductibles for 10–15% savings.

Conclusion

TATA AIG’s EmpowerHer rider, paired with MediCare plans, offers women comprehensive health protection in 2025, covering PCOS, infertility, maternity, and cancers with a 99.34% CSR and 12,000+ cashless hospitals. Starting at ₹17/day, it ensures financial security amid rising medical costs. Visit www.tataaig.com or www.policybazaar.com to customize your plan. Empower your health today—share your insurance tips below!