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cover for pregnancy and related reproductive health needs.Women also have a high incidence of chronic illnesses for which they need to undergo continuous medical treatment. Moreover, women are exposed to risks of diseases such as osteoporosis and autoimmune diseases such as lupus, multiple sclerosis and rheumatoid arthritis all of which require long term treatment.None of these things were specifically covered under unisex insurance policies. However, with statistics proving that women have a higher life expectancy than men and are making important financial decisions today have been the deciding factor for many insurers who are redesigning their earlier policies and putting in riders to suit the needs of the ladies.'Women take important decisions in every household and at work. To cater to their special needs, we offer innovative, women specific plans, which provide investment benefits, savings, retirement solutions and medical insurance. Our special plans help mothers plan for their children's education, save for the future and take care of all medical emergencies in the family,' says a senior official of Bajaj Allianz.One might argue why should a woman buy an insurance plan, especially if she is a homemaker. Financial planning experts say that services rendered by a home maker are valuable and can be quantified in financial term for insurance purposes.Besides, she too needs an independent means of income for her old age and savings for health expenses. Further for a working woman, an insurance policy can bring about big savings on the tax front. Although it is not advisable to buy a life