HDFC ERGO 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
There are many key features that 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.
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 myHealth 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.
Choose HDFC Health Insurance Plan for
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 on the basis of 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 |
Exclusions of HDFC My: Health Women Suraksha
Permanent Exclusions
Health conditions that are not covered by this plan are mentioned below:
- Obesity or weight control-related surgeries
- Change of gender treatment
- Cosmetic or plastic surgeries
- Treatment due to substance abuse
- Maternity related expenses
- Sterility and infertility treatment
Let's Conclude
HDFC My: Health Women Suraksha insurance plan by HDFC Ergo offers comprehensive coverage and many wellness benefits that are put together to care for the health needs of women. With lifetime renewals, exclusive coverage, incentives, discounts,
and add-on coverage options, it provides financial security and promotes overall well-being, making it an ideal choice for modern women.
HDFC ERGO Health Insurance Network Hospital List
HDFC Ergo entails a wide network of cashless Hospitals that impact millions of lives PAN India. A well connected network of over 13,000+ cashless hospitals, HDFC Ergo ensures that you are medically secured, irrespective of the city you
reside in.
