Closing the Coverage Gap for Women

A Case Study in Protecting Australian Women's Health

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When a leading insurer set out to close the gap in women’s health coverage, it needed a benefit that truly reflected real-life challenges.

With RGA, the insurer introduced a first-of-its-kind solution that supported eight conditions that challenge women specifically.

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The Problem

Traditional income protection plans often undercover and overlook women-specific health conditions. This gap can leave insured members without financial support to deal with health challenges. Conditions like endometriosis, ectopic pregnancy, and preterm birth can have significant physical, emotional, and financial impacts. Employers and insurers are increasingly seeking ways to offer more inclusive coverage that reflects the diverse needs of their workforce. 


The Solution

RGA’s product development team collaborated with the client to create a first of its kind insurance benefit, tailored to the health challenges that women face, which was added to an income protection plan. The benefit provides a payment of up to AU$12,500 when the insured is diagnosed with one of eight covered conditions, including menopause, neonatal mortality, stillbirth, and more. It’s payable once every three years and only once per condition, ensuring responsible and targeted support. 


Key Benefits

Benefits designed to meet women’s health coverage needs

Provides financial support
A safety net for health events predominately affect women

Supports employer coverage 
Caring for workforce wellbeing

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The RGA Difference

Our customer-first approach ensures products are not just built for our client, but also the end customer, the insured. We bring a solution mindset to every challenge, helping clients see new possibilities. It’s how we turn complex problems into clear, actionable outcomes. 

 Want to learn more? Contact us

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Let's Connect

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Want to Learn More?

This is just one example of how RGA helps insurers grow with confidence. Want to see more success stories? Explore our other case studies or reach out to begin your insurance transformation journey.