Kyobo Double-Up Women's Health Insurance is a comprehensive health insurance plan that meticulously covers pregnancy-related diseases, infertility treatments, gynecological disorders, and menopausal and geriatric diseases, tailored to each stage of a woman's life cycle.
Under the main contract, the policy provides lifelong diagnosis benefits for the three major diseases-cancer, cerebral hemorrhage, and acute myocardial infarction-upon diagnosis. If diagnosed with any of these three major diseases after 20 years of enrollment, the insurance payout doubles. For female-specific cancers such as breast cancer, uterine cancer, and ovarian cancer, an additional 20% of the insured amount is provided, further enhancing the benefits.
Through more than 120 types of riders, the policy strengthens specialized coverage in line with changes throughout a woman's life cycle. For the first time in the industry, a rider for genetic testing specific to female cancers has been introduced. The policy also broadly covers representative life-stage diseases such as infertility treatments, endometriosis, HIFU (High-Intensity Focused Ultrasound), Mammotome procedures, osteoporosis, rheumatoid arthritis, incontinence surgery, and dementia. Coverage for the latest cancer treatments, including Da Vinci robotic surgery, heavy ion radiotherapy, and integrated cancer diagnosis, has also been enhanced.
Healthcare services have been advanced to provide tailored support for women. For policyholders paying a monthly premium of 30,000 won or more, the "Kyobo New Healthcare Service for Women" is offered, which includes a nurse accompaniment service for hospital visits related to high-risk pregnancies and infertility treatments at general hospitals, specifically targeting customers in their 30s and 40s.
If a policyholder is hospitalized or undergoes surgery due to a high-risk pregnancy, a housekeeping assistant service is provided. For pregnant women who are at least 35 weeks along, a hospital companion manager service is available. Customers in their 50s are offered menopause counseling services and slow-aging diet consultations, while policyholders aged 65 and older are supported with a hospital companion manager service during general hospital visits.
This product is available to individuals aged 15 to 70. Premium payment periods are available in 5, 10, 15, 20, 25, or 30 years. Once premium payments are completed, the surrender value can be used as a single premium to convert the contract in whole or in part into a whole life insurance policy or into long-term care coverage.
A Kyobo Life Insurance representative stated, "We have launched a customized health insurance plan that addresses the needs of female customers and provides comprehensive care throughout a woman's life with a single policy. By strengthening coverage for the three major diseases and female-specific cancers, expanding customized riders, and offering industry-leading healthcare services, we aim to become a lifelong partner in safeguarding women's health."
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