Originally Posted by Jeff Wills

OK, you're looking at a combination of three smaller-market niches:
1: women-specific design
2: internal-hub gearing
3: disk brakes

I'm not surprised you couldn't find such a bike. If you want a bike with all those characteristics, you'll have to do some customization. IMO, you would be better off finding a women's bike with disc brakes and convert it to an internal gear hub. (Yes, internal gear hubs can be had with disk brakes.) A quick search turned up this: Hybrid Bikes Cafe Latte Disc 2014. Converting it to an internal hub would add another couple hundred dollars to the bill.