HDFC ERGO My:Health Women Suraksha Policy
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HDFC ERGO Health Insurance HDFC ERGO Health Insurance ★ 4.4

My:Health Women Suraksha Policy

The policy offers a robust coverage spectrum including cancer, major i ...Read More

Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,720 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement

About My:Health Women Suraksha Policy

A quick read on what this HDFC ERGO Health Insurance plan covers and why it might be a fit for you.

HDFC My:Health Women Suraksha is a comprehensive policy designed to cater to the evolving health and well-being needs of today's women. The policy offers a robust coverage spectrum including cancer, major illness, cardiac ailments, assaults, burns, and more. It 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 unique benefits such as loss of job and reduced premium, empowering women to proactively secure their health and future.

With sum insured options ranging from 1 lakh to 1 crore, flexible premium payment options, and various discounts, this comprehensive health insurance plan provides a 360-degree shield against soaring medical expenses that can financially burden women.

Key Features of My:Health Women Suraksha Policy

This plan offers several unique key features:

  • Lifetime renewal

    This plan offers lifetime renewal without age restrictions, ensuring continued coverage throughout your life.

  • Wellness Incentives

    Enjoy wellness features such as fitness discounts at renewals, health incentives, and wellness and health coaching, promoting overall well-being.

  • Discount options

    Various discount options are available, including daily discounts, long-term policy discounts, and loyalty discounts, helping you save on premiums.

  • Add-On Coverage

    My:Health Suraksha offers optional add-on benefits 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 tests, and post-diagnosis assistance.

  • High Sum Insured

    HDFC My:Health Women Suraksha offers a high sum insured ranging from 1 lakh to 1 crore, providing comprehensive coverage for almost every important illness and many surgeries.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 years
Plan type
Women Health Insurance
Sum insured options
₹1 L, ₹10 L, ₹25 L, ₹50 L, ₹1 L
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Lifetime renewal
  • Wellness Incentives
  • Add-On Coverage

Cons

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

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Not covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Not covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Not Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

HDFC ERGO Health Insurance

HDFC ERGO Health Insurance

HDFC ERGO video starts with an overview of HDFC ERGO, detailing its history, mission, and market position.

Coverage Details of HDFC Ergo My:Health Women Suraksha

The plan offers all-inclusive coverage for treatments that can be financially draining. Let's review the coverage details:

Coverage Areas Specifications Waiting Period
Cancer Cover Malignant Cancer Cover: Breast, Cervix, Uterus, Fallopian Tube, Ovary, Vagina/Vulva.
Other Major Cancer
Carcinoma in Situ of Cervix
Carcinoma in Situ of Breast		 90 Days
(Carcinoma In Situ of 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 Ailments 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, pacemaker insertion. 90 Days
(Balloon Valvotomy, Angioplasty, Pacemaker Insertion: 180 Days)
Assault And Burn Injury Cover Covers bodily injury resulting in death or permanent total disablement. Also covers second or third-degree burns due to assault or bodily injury after a specified waiting period. 90 Days
Critical Illness Cover 41 Critical Illness Cover 90 Days

Benefits of HDFC Ergo My:Health Women Suraksha

This plan is exclusively crafted for women, keeping their unique requirements in mind:

  • Comprehensive Medical Expenses

    The plan offers overall coverage for hospitalization due to illness, including mental healthcare. It also covers room rent, ICU charges, diagnostic procedures, consultation fees, and more.

  • Health care at home

    For situations requiring healthcare at home, the plan provides cashless coverage for domiciliary hospitalization.

  • Pre and Post-Hospitalization

    The cover extends to medical expenses incurred 60 days before hospitalization and 180 days after discharge.

  • Day Care Procedures

    With advanced medical treatment, patients are no longer required to stay long in the hospital. This plan covers medical expenses for various daycare procedures.

  • Alternative Treatment

    Recognizing the growing interest in alternative treatments, My:Health Women Suraksha covers AYUSH (Ayurveda, Unani, Siddha, and Homoeopathic Treatments).

  • Renewal Benefits

    The plan offers preventive health checkups and fitness discounts upon renewal.

  • Survival Period

    A survival period of 7 days is provided by the plan.

Plan Eligibility and Discounts

Eligibility Specifications
Age Minimum: 18 Years
Maximum: No Age Limit
Type of Policy Individual/Family Floater
Policy Period 1/2/3 Years
Add-On Covers Optional Unlimited Restore Benefit
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: Available for 2 or 3-year policies.
Floater Discount: 50% discount on all members in a family floater, except the oldest member.
Eligible Relationships Self, Grandmother, Granddaughter, Sister, Sister-in-law, Niece, Daughter-in-law.
Dependent Individuals:
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 Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Health conditions not covered by this plan include:
  • Hospitalization due to war, riot, strike, or nuclear weapons
  • Intentional self-injury
  • HIV/AIDS
  • Miscarriage and Abortion
  • Congenital diseases
  • Infertility and In-vitro Fertilization

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

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

Other features & benefits

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

My:Health Women Suraksha Policy: FAQs

The 3 most-asked questions about My:Health Women Suraksha Policy, answered.

Yes, the policy covers for loss of a job.
The waiting period for pregnancy complications coverage under my: health Women Suraksha plan is 1 year.
Yes, you can add a family member to the policy. The plan allows coverage for all women in the family under a single policy.

Conclusion

A women-focused plan covering major illnesses and surgeries with useful add-ons. Benefits may vary b

Explore HDFC ERGO Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Bindiya Sinha — Term & Life Insurance Reviewed by Sharan Gurve — Term & Health Insurance
Last updated: 30 Sep 2023 · Originally published: 4 Nov 2024

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