Whether you’re a young professional, a mother, or a homemaker, this plan ensures your health and family are always protected

Star Health Insurance – Women Care Insurance Policy

Introduction:
The Star Health Women Care Insurance Policy is a thoughtfully crafted plan designed exclusively for women and their families. It provides comprehensive protection covering hospitalization, maternity benefits, cancer care, preventive health check-ups, and wellness programs. This policy aims to empower women to take control of their health and secure financial stability during medical emergencies, all while addressing their unique healthcare needs.

Key Features of Star Women Care Policy

1. Exclusive Coverage for Women:
   Specially designed for women aged 18 to 75 years, covering their personal and family health needs.
2. Comprehensive Protection:
   Covers hospitalization, day care procedures, pre- and post-hospitalization expenses, and organ donor costs.
3. Maternity & Newborn Coverage:
   Includes maternity expenses for normal or cesarean delivery and also covers newborn baby care from day one.
4. Cancer Cover for Women:
   Provides financial support for diagnosis and treatment of cancers specific to women, such as breast, cervical, and ovarian cancer.
5. Preventive & Wellness Benefits:
   Offers free annual health check-ups, counseling, and wellness programs to promote healthy living.
6. Mental Health Care Coverage:
   Covers consultation and therapy costs for mental health and emotional well-being (as per policy terms).
7. Restoration of Sum Insured:
   Automatically restores 100% of the sum insured once during the policy year when it gets exhausted.
8. Modern & Advanced Treatments:
   Includes coverage for robotic surgeries, stem cell therapy, and other technologically advanced treatments.
9. Health Rewards Program:
   Earn wellness points for maintaining healthy habits, redeemable for renewal discounts.
10. Flexible Sum Insured Options:
    Choose coverage from ₹5 lakh to ₹1 crore, depending on healthcare requirements.
11. Family Floater Option:
    The plan can cover the woman, her spouse, and dependent children under one policy.
12. Cashless Network:
    Avail cashless treatment at over 14,000+ Star Health network hospitals across India.
13. Tax Benefits:
    Premiums paid qualify for deduction under Section 80D of the Income Tax Act.

Other Important Information

• Eligibility: Women aged 18 to 75 years; dependent children from 91 days to 25 years.
• Policy Type: Individual and Family Floater.
• Waiting Periods:
  • 30 days for general illnesses (except accidents).
  • Maternity benefit after 24 months of continuous coverage.
  • Pre-existing diseases covered after 36 months.
• Free Health Check-Up: Available after every claim-free year.

Example Case Study

Example:
Mrs. Divya, a 34-year-old working woman from Hyderabad, purchased the Star Health Women Care Insurance Policy with a sum insured of ₹10 lakh to cover herself and her husband.

During her policy period, she underwent maternity care for a cesarean delivery costing ₹1.8 lakh — fully covered under the maternity benefit. Later, she opted for an annual preventive health check-up provided by the policy at no additional cost.

After two years, when Divya’s mother was diagnosed with breast cancer, she realized the importance of cancer coverage under this plan — a key feature that ensures women receive complete financial and medical support when it matters most.

Conclusion

The Star Health Women Care Insurance Policy is a complete and empowering health insurance solution designed to safeguard women at every stage of life. From maternity and newborn care to preventive wellness, cancer protection, and mental health support — this policy truly celebrates women’s health and strength.

Whether you’re a young professional, a mother, or a homemaker, this plan ensures your health and family are always protected — because a woman’s well-being is the foundation of a healthy family.

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