When you apply for a health insurance plan, the insurer providers consider different factors such as your age, health, lifestyle, profession, and even marital status. However, while many people know about these common factors, most do not know that even your gender plays a role in your health insurance premiums.

Why is the gender is taken into consideration for calculating your health insurance premiums? Is it so that the premium for women is higher than men or vice versa? Let us have a look-

Why Does Gender Affect Health Insurance? 

The reason why gender affects health insurance coverage premiums is that men and women go about their lives very differently. As compared to men, women are more likely to visit doctors and take prescriptions regularly. Moreover, there are also a lot of chronic medical conditions specific to women. Many of the plans also come with maternity cover.

This means that the chances of women filing regular claims are higher as compared to men. In other words, women policyholders are generally seen to be more expensive for the insurance providers as compared to men. Due to this, the premiums are usually higher for women.

Is the Difference Significant? 

This depends on the policies of your insurance provider as every company deals with this in their own way. However, in most of the cases, there is no significant difference between the health insurance coverage premium for women and men.

As a matter of fact, to better meet the custom needs of customers from both the genders, some of the insurance providers have now started offering gender-specific health insurance policies.

What are the Benefits of Gender-Specific Health Plans? 

The features and benefits of such plans are carefully selected to meet the custom health needs of men and women. For instance, health insurance plans for women come with coverage for maternity, breast cancer, cervical cancer, and other women-specific conditions. The coverage for these medical conditions is either built-in or can be purchased as add-ons.

This ensures that a woman can get the best of medical care if at all they suffer from such conditions without worrying about the expenses. Similarly, there are plans for men with coverage for conditions such as diabetes, hypertension, stress-related disorders, and more.

Health Insurance and Gender

While your gender can impact your health insurance premiums, know that the difference is generally minimal. If you are looking for added benefits and features which are specific to your gender, you can also look for health insurance plans for men and women.

Compare the features, benefits, and premiums of gender-specific plans and regular plans to see what types of plan better suits your requirements.

Learn more about different Health Insurance Plans here.


The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.

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