Is this the query you have right now?
SELECT *
FROM male_tab
WHERE ind = 'M'
UNION ALL
SELECT *
FROM female_tab
WHERE ind = 'F';
I have read in one of Tom Kyte's tips that this should work for Oracle 8i and up;
SELECT DECODE (ind, 'M', SELECT * FROM male_tab, SELECT * FROM female_tab)
FROM sys.dual;