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patent leather coach purse has a limit of 50% of sum assured (maximum Rs 2.5 lakh) for two children.Among others, Birla Sun Life Insurance offers a critical illness rider for women. It offers a maximum cover of Rs 10 lakh and covers 29 illnesses. Among non life policies there is Birthright insurance, a mediclaim policy by New India Assurance that covers women between 18 and 40 years of age. Any expectant mother (up to three months pregnant) can buy this policy for coverage against specific congenital anomalies at the time of birth or within two years of delivery.Experts, however, advise women to check out the features of the policy and read between the lines, before being taken in by the marketing spiel of insurance agents. Before buying, one must read the policy document carefully, particularly the exclusions. Does it really offer you something that an ordinary insurance policy will not? Or is it the policy which luring you into making a sub optimal choice?Let's consider an example to illustrate better. LIC's Jeevan Bharati policy is a case in point. It is a money back policy aimed at women. A 25 year old woman needs to pay an annual premium of Rs 7,345 for a cover of Rs 1 lakh for a 20 year term. The premium for a simple money back policy with the same cover and tenure would be far less, at Rs 6,273.The Rs 1,072 extra charged for Jeevan Bharati goes into providing cover against certain critical illnesses and even congenital deformities in children born after buying the policy. If a policyholder is diagnosed with any of the specified critical illnesses ' including breast, ovarian and cervical cancer ' she will get