My:Health Women Suraksha Policy

HDFC My: Health Women Suraksha is a comprehensive policy that is designed to cater to the evolving needs of health and well-being of today's women. The policy offers a robust coverage spectrum including cancer, major illness, cardiac ailments, assaults, burns, and more. This policy ensures holistic protection beyond traditional health insurance, offering multiple sum insured options, coverage for all women in the family under a single policy, and wellness features. The plan comes with many unique benefits such as loss of job and reduced premium which empower women to proactively secure their health and future.

With sum insured ranging from 1 lakh to 1 crore, flexible premium payment options, and the opportunity to avail various discounts to purchase the policy as per your choice, this comprehensive health insurance plan provides a 360-degree shield against soaring medical expenses that can put a financial burden on women.

Key Features of My: Health Women Suraksha Policy

Many key features make this plan unique, let us have a look at them:

Lifetime renewal
This plan offers lifetime renewal without any age restrictions ensuring continued coverage throughout your life.
Wellness Incentives
You can enjoy wellness features such as fitness discounts at renewals, health incentives, wellness, and health coaching, promoting your overall well-being.
Discount options
Various discount options are available, including daily discounts, long-term policy discounts, and loyalty discounts, helping you to save the premiums.
Add-On Coverage
My:Health Suraksha offers optional add-on benefits on the coverage for pregnancy, complications, newborn complications, and loss of job, enhancing your protection.
Post Diagnosis Support
The plan covers a second medical opinion, molecular gene expression profiling test, and post-diagnosis assistance.
High Sum Insured
HDFC My: Health Women Suraksha offers a high sum insured ranging from 1 lakh to 1 crore, which gives the policyholder comprehensive coverage. Almost every important illness and many surgeries are covered under this plan.

My:Health Women Suraksha Policy Specifications

To understand My:Health Women Suraksha Policy Insurance in detail, take a look at the below table:

Entry Age

18 to 65 years

Policy Type

Women Health Insurance

Sum Insured

1 L | 10 L | 25 L | 50 L | 1 Cr

Initial Waiting Period*

90 Days

Renewability

Lifelong

Policy Term

1/2/3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Coverage Details of HDFC Ergo My: Health Women Suraksha

The plan offers an all-inclusive coverage encompassing all the treatments that can drain your pocket, let us go through all the aspects in the coverage table:

Coverage Areas	Specifications	Waiting Period
Cancer Cover	Malignant Cancer Cover: Breast, Cervix, Uterus, Fallopian Tube, Ovary, Vagina/Valuva. Other Major Cancer Carcinoma in Situ of Cervix Carcinoma in Situ Of Breast	90 Days Carcinoma In Situ (Breast, Cervix): 180 Days
Major Illness Cover	Systemic lupus erythematosus with lupus nephritis, rheumatoid arthritis, severe osteoporosis	90 Days Severe Osteoporosis: 180 Days
Surgical Procedure	Breast lumpectomy, mastectomy, breast reconstructive surgery, Wertheim's operation, radical vulvectomy, total pelvic exenteration, complicated repair of a vaginal fistula, hysterectomy.	180 Days
Cardiac Aliment And Procedures	Open chest CABG, heart valve repair, first heart attack of specified severity, coma of specified severity, stroke resulting in permanent symptoms, balloon valvotomy or valvuloplasty, angioplasty, insertion of pacemaker	90 Days Ballon Valvotomy, angioplasty, insertion of pacemaker: 180 Days
Assault And Burn Injury Cover	If the insured suffers through bodily injury that results in death or permanent or total disablement. In case of assault or any bodily injury that results in second or third-degree burns are covered after a certain waiting period.	90 Days
Critical Illness Cover	41 Critical Illness Cover	90 Days

Benefits of HDFC Ergo My:Health Women Suraksha

The plan is exclusively crafted for women keeping all their unique requirements in mind:

Comprehensive Medical Expenses
The plan offers overall coverage for hospitalization due to illness, including mental healthcare. It also encloses room rent, ICU charges, diagnostic procedures, consultation fees, and many more.
Health care at home
There are some situations where the patient requires health care at home, and the plan provides cashless coverage for domiciliary hospitalization.
Pre and Post-Hospitalization
The cover extends to the medical expenses that are incurred 60 days before the hospitalization and 180 days after the discharge.
Day Care Procedures
With the advanced medical treatment, the patient is no longer required to stay long at the hospital. This plan covers medical expenses for various daycare procedures.
Alternative Treatment
Keeping in mind the growing interest in alternative treatment that is AYUSH ( Ayurveda, Unani, Siddha, and Homoeopathic Treatments). My women's health Suraksha covers these alternative treatments.
Renewal Benefits
The plan offers preventive health checkups at renewal of the plan and also offers fitness discounts at renewals.
Survival Period
The plan provides a survival period of 7 days.

Reduced Paid-Up Benefit

Eligibility	Specifications
Age	Min: 18 Years Max: NA
Type of Policy	Individual/Family Floater
Policy Period	1/2/3 Yeras
Add-On Covers	Optional Unlimited Restore
Premium Tiers	Premium calculated based on Tier 1 And Tier 2 Cities
Discounts	Family Discount: 10% for Covering 2 or more eligible family members. Loyalty Discount: For customers with multiple active policies. Long-term Policy Discount: The policy discounts 2 or 3-year policies. Floater Discount: For family 50% discount on all members, except the oldest member.
Covered Person	Self, Grandmother, Granddaughter, Sister, Sister-in-law, Niece, Daughter-in-law. Dependent Individual: Daughter Mother Mother-in-law

HDFC ERGO Health Insurance Network Hospital List

HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Exclusions of HDFC My:Health Women Suraksha

Permanent Exclusions

Health conditions that are not covered by this plan are mentioned below:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and Abortion

Congenital disease

Infertility and in vitro fertilization

Explore other HDFC ERGO Health Insurance

To cater to the different medical needs of an individual & their family, HDFC ERGO Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to HDFC ERGO Health Insurance plans explore more:

Women Health Insurance

My:Health Women Suraksha Policy

HDFC My: Health Women Suraksha is a comprehensive policy that is designed to cater to the evolving needs of health and well-being of today's women. T...

Unique Features

Cancer Cover
Assault And Burn Cover
41 Critical Illness Cover

My:Health Women Suraksha Policy (Pros)

Lifetime renewal
Wellness Incentives
Add-On Coverage

My:Health Women Suraksha Policy (Cons)

Obesity or weight control
Cosmetic surgeries
Maternity cover
Change of gender treatment

My:Health Women Suraksha Policy (Other Benefits)

Post Diagnosis Support
Cancer Cover
Major Illness Cover
Surgical Procedure
Critical Illness Cover

My:Health Women Suraksha Policy (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 1 Lakh to 1 Crore
Policy term: 1/2/3 years

Individual and Family Health Insurance

HDFC ERGO Arogya Sanjeevani Policy

The Arogya Sanjeevani Policy from HDFC ERGO is a basic plan designed for individual or family floater coverage. It provides you with the precise medic...

Unique Features

3 plan variants
Double coverage
E-opinion on critical illnesses

HDFC ERGO Arogya Sanjeevani Policy (Pros)

Pre and post-hospitalization
Doctor consultation
AYUSH treatment
Preventive health check-ups

HDFC ERGO Arogya Sanjeevani Policy (Cons)

Maternity expenses
Daily hospital cash
Modern treatment
Organ donor cover

HDFC ERGO Arogya Sanjeevani Policy (Other Benefits)

Family floater cover
SI upto 10 Lakhs
Lifelong renewability

HDFC ERGO Arogya Sanjeevani Policy (Eligibility Criteria)

Min. Entry Age - 18 Years
Max. Entry Age - 65 Years
Si - Up to 10 L
Initial Waiting Period - 30 Days

Individual and Family Health Insurance

HDFC ERGO Optima Secure Global Plan

Are you sceptical about finding the best health insurance plan that protects you and your family under one roof? Read further to learn about the exclu...

Unique Features

India & Worldwide Coverage
High SI up to 2 Crores
Aggregate Deductible Discounts

HDFC ERGO Optima Secure Global Plan (Pros)

Pre and post-hospitalisation
Organ donor expenses
AYUSH treatment

HDFC ERGO Optima Secure Global Plan (Cons)

Modern treatment
Vaccination unavailable
Maternity and newborn baby cover
Cataract cover

HDFC ERGO Optima Secure Global Plan (Other Benefits)

E-opinion for 51 critical illnesses
Add-on covers
Overseas travel secure

HDFC ERGO Optima Secure Global Plan (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 1 to 2 Crore
Initial Waiting Period 30 Days
Policy Term: 1/2/3 Years

Individual and Family Health Insurance

HDFC ERGO Optima Secure Plan

HDFC ERGO My:Optima Secure health insurance plan offers value that you might require in future to fight against medical discrepancies. Providing you a...

Unique Features

3 plan variants
Double coverage
E-opinion on critical illnesses

HDFC ERGO Optima Secure Plan (Pros)

Hospital Cash Benefit
No Cost Instalment Option
Restore Benefit
Unlimited Restore

HDFC ERGO Optima Secure Plan (Cons)

Maternity cover NA
Newborn care unavailable
OPD cover unavailable

HDFC ERGO Optima Secure Plan (Other Benefits)

Aggregate deductible discounts
Disposables & consumables cover
Worldwide cover

HDFC ERGO Optima Secure Plan (Eligibility Criteria)

Entry age: 18 years to no max limit
SI: 5 Lakhs to 2 Crore
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual

HDFC ERGO Personal Accident Insurance

Accidental deaths or injuries can be devastating, it can attack your physical, emotional, mental, and financial status to ruin your happy life moment...

Unique Features

Worldwide coverage
No pre-policy medicals
Lifelong renewability

HDFC ERGO Personal Accident Insurance (Pros)

Accidental Death
Permanent Total Disability
Broken Bones
Burns

HDFC ERGO Personal Accident Insurance (Cons)

Breach of law
Pregnancy or childbirth
Self-inflicted injury

HDFC ERGO Personal Accident Insurance (Other Benefits)

Ambulance costs
Hospital cash
Lump sum payout benefit
Air ambulance cover

HDFC ERGO Personal Accident Insurance (Eligibility Criteria)

Entry Age: 18 - 65 years
Policy Term: 1/2/3 years
Initial Waiting Period: None
Sum Insured: 20 L - 10 Cr

Critical Illness Health Insurance

iCan Cancer Insurance Plan

iCan Cancer Insurance is a cancer-specific plan offered by HDFC Health Insurance Company. The plan covers medical expenses incurred during the treatme...

Unique Features

Key Features
Eligibility & Exclusions
iCan Cancer Plan Sample Premiums

iCan Cancer Insurance Plan (Pros)

Cancer cover
In-patient hospitalization
Ambulance cover

iCan Cancer Insurance Plan (Cons)

Maternity cover
Newborn cover
Organ donor cover
Global coverage

iCan Cancer Insurance Plan (Other Benefits)

COVID-19 cover
Pre and post-hospitalization
ICU charges

iCan Cancer Insurance Plan (Eligibility Criteria)

Entry age: 5 to 65 years
POlicy term: 1 year
Initial waiting period: 120 days

Individual and Family Health Insurance

My:Health Suraksha Smart Plan

HDFC ERGO Health Suraksha Plan is a comprehensive plan from the house of HDFC ERGO Insurance Company that aims at providing 360-degree protection agai...

Unique Features

Key Features
Eligibility & Age Restrictions
Types of My:Health Suraksha Smart Plans

My:Health Suraksha Smart Plan (Pros)

Air ambulance cover
Recovery benefit
Infertility cover

My:Health Suraksha Smart Plan (Cons)

Vaccination cover unavailable
Second medical opinion not available
Maternity cover
Newborn baby cover

My:Health Suraksha Smart Plan (Other Benefits)

Family discount
Long-term policy discount
Loyalty discount

My:Health Suraksha Smart Plan (Eligibility Criteria)

Entry age: 18 years to no age limit
Sum insured: 3 to 75 Lakhs
Policy term: 1/2/3 years
Initial waiting period: 30 days

Individual

HDFC ERGO Energy Diabetes Plan

HDFC ERGO Health Insurance offers an Energy Diabetes plan which is ideal for those who are suffering from diabetes Type 1, diabetes mellitus Type 2, p...

Unique Features

Personalized health coach option
Get rewards to reduce your premiums
Diabetes-Hypertension without waiting period

HDFC ERGO Energy Diabetes Plan (Pros)

Personal health coach
Rewards for premium discount
Diabetes and Hypertesion cover

HDFC ERGO Energy Diabetes Plan (Cons)

ICU cover unavailable
AYUSH treatment
OPD not covered
Domiciliary treatment unavailable

HDFC ERGO Energy Diabetes Plan (Other Benefits)

Organ donor cover
Ambulance services
Pre & post-hospitalization cover

HDFC ERGO Energy Diabetes Plan (Eligibility Criteria)

Entry age: 18 to 65 years
Policy term: 1 year
Initial waiting period: 30 days
Sum insured: 2 to 50 L

Individual and Family Health Insurance

HDFC ERGO Health Wallet Family Floater

HDFC ERGO Health Insurance's Health Wallet plan by HDFC ERGO Health Insurance is a comprehensive health insurance plan that not only ensures your heal...

Unique Features

Worldwide Emergency Care
Avail 6% interest on un-used SI
Cashless Homecare treatment

HDFC ERGO Health Wallet Family Floater (Pros)

Inpatient and outpatient cover
OPD cover
Domiciliary hospitalization

HDFC ERGO Health Wallet Family Floater (Cons)

Air ambulance
E-consultations
Health check-up
Modern treatment cover

HDFC ERGO Health Wallet Family Floater (Other Benefits)

Global coverage
Daycare procedures
Health check-up
Vaccination charges

HDFC ERGO Health Wallet Family Floater (Eligibility Criteria)

Entry age: 18 to 65 years
Initial waiting period: 30 days
Sum insured: 3 to 50 Lakhs
Policy term: 1/2/3 years

Top Up and Super Top Up

My Health Medisure Super Top Up

HDFC Ergo super top-up plan is the best option by HDFC Ergo to ensure a cushion of ample cover to get the best medical treatment without any restricti...

Unique Features

Plan Specifications
Key Features & Benefits
Quick Buying And Claim Process

My Health Medisure Super Top Up (Pros)

Day care procedures
High sum insured
6 Hours response guarantee

My Health Medisure Super Top Up (Cons)

Adventure sport injuries
Self-inflicted injuries
War

My Health Medisure Super Top Up (Other Benefits)

Deductibles offered
Covers family members
Versatile plan

My Health Medisure Super Top Up (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 20 L

Individual and Family Health Insurance

HDFC ERGO Koti Suraksha Plan

HDFC ERGO Koti Suraksha is a health insurance plan that provides a sum insured of up to INR 1 crore. Koti Suraksha Plan by the HDFC ERGO Insurance Com...

Unique Features

High sum insured
Health and wellness plan
Emergency worldwide coverage

HDFC ERGO Koti Suraksha Plan (Pros)

Air ambulance
OPD cover
Domiciliary hospitalization
Emergency global coverage

HDFC ERGO Koti Suraksha Plan (Cons)

Vaccination not covered
Modern treatment unavailable
Maternity & newborn baby care unavailable

HDFC ERGO Koti Suraksha Plan (Other Benefits)

In-patient hospitalization
Daycare procedures
Health check-up cover

HDFC ERGO Koti Suraksha Plan (Eligibility Criteria)

Entry age: 18 to 65 years
Sum insured: 50 Lakhs & 1 Crore
Waiting period: 30 days
Policy term: 1/2/3 years

Individual and Family Health Insurance

Optima Restore Plan

HDFC ERGO Optima Restore Policy is the best-selling plan of HDFC ERGO since its launch. It offers comprehensive health cover to you and your family un...

Unique Features

Recovery benefit
SI restoration
Waiting period reduction

Optima Restore Plan (Pros)

Restore benefit
2X Multiplier benefit
Renewal discounts

Optima Restore Plan (Cons)

AYUSH not covered
OPD cover unavailable
Global health cover

Optima Restore Plan (Other Benefits)

Recovery benefits
Organ donor cover
In-patient and out-patient hospitalization

Optima Restore Plan (Eligibility Criteria)

Entry Age: 18 - 65 Years
Sum Insured: 3 | 5 | 10 | 15 | 20 | 25 | 50L
Initial Waiting Period: 30 Days

My:Health Women Suraksha Policy: FAQs

1. Does My: Health Women Suraksha offer coverage for loss of job?

Yes, the policy covers for loss of a job.

2. What is the waiting period for pregnancy complication coverage?

The waiting period for pregnancy complications coverage under my: health Women Suraksha plan is 1 year.

3. Can I add a family member to the policy?

Yes, you can add a family member to the policy. The plan allows coverage for all women in the family under a single policy.

My:Health Women Suraksha Policy

Key Features of My: Health Women Suraksha Policy

Lifetime renewal

Wellness Incentives

Discount options

Add-On Coverage

Post Diagnosis Support

High Sum Insured

My:Health Women Suraksha Policy Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Coverage Details of HDFC Ergo My: Health Women Suraksha

Benefits of HDFC Ergo My:Health Women Suraksha

Comprehensive Medical Expenses

Health care at home

Pre and Post-Hospitalization

Day Care Procedures

Alternative Treatment

Renewal Benefits

Survival Period

Reduced Paid-Up Benefit

Recommended Videos

HDFC ERGO Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Exclusions of HDFC My:Health Women Suraksha

Permanent Exclusions

Explore other HDFC ERGO Health Insurance

My:Health Women Suraksha Policy (Pros)

My:Health Women Suraksha Policy (Cons)

My:Health Women Suraksha Policy (Other Benefits)

My:Health Women Suraksha Policy (Eligibility Criteria)

HDFC ERGO Arogya Sanjeevani Policy (Pros)

HDFC ERGO Arogya Sanjeevani Policy (Cons)

HDFC ERGO Arogya Sanjeevani Policy (Other Benefits)

HDFC ERGO Arogya Sanjeevani Policy (Eligibility Criteria)

HDFC ERGO Optima Secure Global Plan (Pros)

HDFC ERGO Optima Secure Global Plan (Cons)

HDFC ERGO Optima Secure Global Plan (Other Benefits)

HDFC ERGO Optima Secure Global Plan (Eligibility Criteria)

HDFC ERGO Optima Secure Plan (Pros)

HDFC ERGO Optima Secure Plan (Cons)

HDFC ERGO Optima Secure Plan (Other Benefits)

HDFC ERGO Optima Secure Plan (Eligibility Criteria)

HDFC ERGO Personal Accident Insurance (Pros)

HDFC ERGO Personal Accident Insurance (Cons)

HDFC ERGO Personal Accident Insurance (Other Benefits)

HDFC ERGO Personal Accident Insurance (Eligibility Criteria)

iCan Cancer Insurance Plan (Pros)

iCan Cancer Insurance Plan (Cons)

iCan Cancer Insurance Plan (Other Benefits)

iCan Cancer Insurance Plan (Eligibility Criteria)

My:Health Suraksha Smart Plan (Pros)

My:Health Suraksha Smart Plan (Cons)

My:Health Suraksha Smart Plan (Other Benefits)

My:Health Suraksha Smart Plan (Eligibility Criteria)

HDFC ERGO Energy Diabetes Plan (Pros)

HDFC ERGO Energy Diabetes Plan (Cons)

HDFC ERGO Energy Diabetes Plan (Other Benefits)

HDFC ERGO Energy Diabetes Plan (Eligibility Criteria)

HDFC ERGO Health Wallet Family Floater (Pros)

HDFC ERGO Health Wallet Family Floater (Cons)

HDFC ERGO Health Wallet Family Floater (Other Benefits)

HDFC ERGO Health Wallet Family Floater (Eligibility Criteria)

My Health Medisure Super Top Up (Pros)

My Health Medisure Super Top Up (Cons)

My Health Medisure Super Top Up (Other Benefits)

My Health Medisure Super Top Up (Eligibility Criteria)