Star Women Care Insurance Policy

Though all have to be treated equally in terms of healthcare, women still need extra care for their health. This is because many women potentially manage their families as well as their work without taking time to care about their health. On a Ministry of Labour and Employment page, it was stated that during 2022–23, the participation of women in the labour force increased to 37.0%, amended from time to time. 

Numerous women are affected by significant health conditions like ovarian cancer, breast cancer and cervical cancer. Women need to be aware of these illnesses to take the necessary steps for their safety, such as choosing a critical illness insurance policy.

However, many women feel caring for their health might lower their bank savings rather than spending for their family needs. So, to take care of the health of female members in your family, it is great to select an appropriate insurance policy.  If you're wondering which is the best Health Insurance for women? it is the one that offers strong coverage for maternity, women‑specific illnesses, preventive checkups, and a wide hospital network, along with a reasonable waiting period and affordable premiums.

Guidelines before buying a health insurance for female in India

Benefits of buying a health insurance for women

Annual health check-up

One essential characteristic is the annual health check-up, which allows a woman to keep track of her health status and receive prompt medical attention.

Financial independence

Women are achieving success in every sector today. Their boldness and confidence have helped them achieve financial independence. However, when a woman is unable to work because of a medical problem, things may become difficult.

Women’s health insurance can offer total financial independence in such a circumstance. Health insurance might cover the cost of treatment, ensuring a smooth and successful recovery.

Tax benefits

Under section 80D of the Income Tax Act of 1961, purchasing a health insurance plan may be eligible for tax benefits. You may deduct up to Rs. 25,000 from the cost of health insurance for you, your spouse, your parents, or your kids. When advanced-age parents pay their health insurance premiums, it might rise to Rs. 50,000.

Critical illness

A women’s health insurance plan will cover a variety of vital conditions. Breast cancer, fallopian tube cancer, uterine/cervical cancer, ovarian cancer, vaginal cancer, persistent limb paralysis, multiple traumas, burns, etc., are uncommon diseases that affect women.

Your health insurance plan might cover the total cost of treatment and, depending on the policy opted for, a lumpsum payment once a critical disease is diagnosed.

Try to consider these factors before buying health insurance plans for women.

Buy a health insurance plan early

Buy a health insurance plan early, as many girls between the ages of 15 and 16 are reported to have diseases like thyroid or hormonal imbalance. At the same time, there is 3 years waiting period for most pre-existing conditions. Hence, it is advised that you get a health insurance plan at an early age.

Consider your family history and lifestyle

If you already have a family history with certain diseases, such as heart disease, you must choose the right policy with a wider range of coverage.

Maternal cover

There are numerous health insurance plans that include maternity coverage for women if you want to grow your family. Despite the fact that just a few insurance companies offer maternity coverage, it also has a waiting period. It is advisable that you select an insurance plan that just covers pregnancy.

Star Women Care Insurance Policy (UIN: SHAHLIP23132V022223)

Star Health Insurance offers the Star Women Care Insurance Policy which was uniquely designed to meet the expenses for the women healthcare. This women health insurance offers two coverage options for the adult aged between 18 to 75 years and girl child between 91 days to 25 years. 

This health insurance for women serves as a reasonable approach to their important healthcare expenses like health coverage for all day care procedures, non-medical items expenses, air ambulance charges, newborn coverage, coverage for miscarriage due to accident, Ante-Natal Care expenses, AYUSH Treatment inpatient expenses, bariatric surgery hospitalization expenses, Rehabilitation and pain management charges etc. 

What is Star Women Care Insurance Policy? 

Star Women Care Insurance Policy is a policy created particularly for females to cover diseases like breast cancer, neck tumor, arthritis, ovarian cancer, blood pressure, diabetes, and heart stroke.

Benefits of Star Women Care Insurance Policy 

Star Women Care Insurance Policy has covered many expected benefits of women health care. The benefits of the women care policy are given below: 

• The in-patient expenses incurred on hospitalization of at least 24 hours, like the room rent and boarding cost are covered.  
• Delivery expenses for a normal or caesarean like pre-natal and post-natal expenses, till a maximum of two deliveries in the lifetime of the policy are covered.
• It includes the road ambulance charges but the coverage, which is available only if the hospitalization claim is accepted by Star Health & Allied Insurance Company. 
• Pre-hospitalization medical charges incurred up to 60 days prior to getting admitted to a hospital.  
• It includes the post-hospitalization expenses incurred until maximum of 90 days after getting discharged from the hospital.
• The expenses for the assisted reproduction treatment are included once in a policy year at the time of sub-fertility.  
• The Utero Fetal surgery or repair costs including the fetendo fetal surgery, fetal image-guided surgery, EXIT procedure, and open fetal surgery are covered. 
• Voluntary Sterilization expenses cover is available if the insured is married and is at a minimum age of 22 years old.  
• OPD Medical Consultations cost are included in this policy. 
• Also, this policy provides an unlimited gynaecologist consultations via the Star telehealth app. 
• Only 12 modern treatments, like stem cell therapy, intra vitreal injections, etc are covered. 

What is additionally covered by Star Health Women Care Insurance Policy?

The Star Women Care Insurance Policy covers the following expenses per the policy terms and conditions.

Star mother cover

If a covered child under the age of 12 is admitted to the ICU, the policy will cover the cost of a single private AC room in a hospital for the mother’s stay.

Daycare procedures

It pays for daycare procedures that don’t necessitate a hospital stay for more than 24 hours.

Non-medical items

It covers the price of the non-medical items mentioned and used while a patient is hospitalised, per list 1 under the policy.

Treatment for assisted reproduction

In cases of subfertility, it pays for assisted reproduction therapy once each policy year on completion of the waiting period. 

Ante-natal care

Following the confirmation of the pregnancy, it pays for the outpatient medical costs associated with antenatal care.

Costs for road ambulances

It pays for the costs of a road ambulance to transport the covered person to or from the hospital. The coverage is available only if the hospitalisation claim is approved by Star Health & Allied Insurance Company.

Charges for air ambulances

It covers the expense of using emergency air ambulance services in the event of a health condition that poses a risk to one’s life.

Pre-hospitalisation expenses

It pays for medical expenses incurred up to 60 days before hospital admission.

Post-hospitalisation expenses

It covers the medical costs incurred for up to 90 days following hospital discharge.

In-Utero Foetal Surgery/Repair

It pays for in-utero foetal operations and treatments, such as open foetal surgery, the EXIT procedure, foetal image-guided surgery and fetendo surgery after a waiting period.

Accident-related miscarriage

If a pregnant insured person miscarries due to an accident, it offers her a lump sum payment. This coverage is only payable once in a lifetime after a waiting period.

Voluntary Sterilisation Expenses

If the insured person is married and at least 22 years old, it will cover the medical costs associated with vasectomy and tubectomy, which are forms of voluntary sterilisation. 

OPD Medical Consultations

It pays for the cost of OPD medical consultations received by female policyholders and provides unrestricted access to gynaecologist consultations via the Star telehealth app.

Charges for organ donors

In-patient hospitalisation expenses incurred for Organ transplantation from the donor to the recipient insured are payable, provided the claim for transplantation is payable. In addition, the costs incurred by the donor (if any) for complications that necessitate a Redo surgery/ICU admission will be covered.

AYUSH Treatment

It pays for in-patient Ayush treatment care at a hospital, except for Yoga and Naturopathy.

Delivery Expenses

For up to two births in the policy’s lifetime, it will cover the costs of giving birth naturally or by caesarean, including pre-natal and post-natal expenses up to the specified limits and waiting period.

Treatment for newborn 

Congenital internal and external malformations or anomalies of the newborn are covered during the policy year, up to 25% of the sum insured, for in-patient hospitalisation expenses. The policy will pay these costs up to 100% of the insured amount after the applicable newborn premium has been paid. Up to 12 months after birth, the newborn’s vaccination costs are reimbursable. 

The company would pay up to INR 3,500 for a single metabolic screening test for newborns. Insurance covers up to four paediatrician consultations per year for children up to the age of 12. 

Up to INR 500 is covered for each consultation. The expenses of a newborn are covered if the delivery claim is valid or if you submit scan results from the 12th and 20th weeks of your pregnancy.

Exclusions of Star Women Care Insurance Policy

Though our Star Women Care Insurance Policy has many benefits, some expenses are not included under our policy. This health insurance for women excludes the below given expenses: 

• Sterility and infertility (except assisted reproduction treatment) expenses are not covered.
• Charges of non-accidental miscarriages and Intentional self-injury are not included. 
• Cost of dietary supplements and substances are not included.
• This policy does not cover congenital external anomalies and dental treatment expenses. 
• It does not include expenses of the obesity and weight control treatments. 
• Cosmetic or plastic surgery costs are not covered. 
• Expenses of the treatment of alcoholism or drug addiction are excluded. 
• Expenses for change of gender treatments are not supported. 

Women in India face various health challenges and risks at different stages of their lives. Every woman must buy health insurance, which can provide financial protection and peace of mind in medical emergencies or critical illnesses.

Women can choose from various health insurance plans, such as family floater, maternity, or critical illness plans, each tailored to their specific needs and preferences. By comparing and evaluating these options, women can select the best policy that provides plenty of benefits, giving them the reassurance and adaptability they need.

Mediclaim Policy for Women

A Mediclaim policy for women offers coverage for maternity, critical illnesses, and other health issues.

Critical Illnesses 

• It offers coverage for serious conditions such as cancer, like breast or cervical cancer. 
• It provides coverage for hereditary cancers such as breast or ovarian cancer.

Maternity Expenses 

• Coverages for maternity delivery expenses, antenatal and post-natal care, hospitalization charges, pre-and post-hospitalization charges, and Consultation charges may be included in the Mediclaim for women.
   

Other Health Issues 

The Mediclaim policy for women will also offer coverages:

• Pre- and post-Hospitalization expenses
• OPD Treatments
• Newborn Baby cover
• Cashless Hospitalization
• Zero Co-pays 
• Emergency Road Ambulance charges
• Preventive healthcare 
   

Additional advantages include bariatric surgery, loss of job coverage, voluntary sterilization, and e-medical second opinions.

Is Mediclaim for pregnant women available?

Yes, maternity coverage is offered in a few Mediclaim policies, but not all. It's a kind of health insurance that offers coverage for pregnancy-related expenses. 

How is the maternity coverage working for Women?

The maternity coverage is provided as an add-on to a standard health insurance or Mediclaim policy.

• Maternity coverage provides coverage for pregnancy-related expenses, like normal and C-section deliveries, pre-natal care, and risks. 
• Maternity coverage is subject to a mentioned waiting period in the policy. 
• The coverage extent might differ from one insurer to another.