My:Health Women Suraksha Policy
  • Cancer Cover
  • Assault And Burn Cover
  • 41 Critical Ilnness Cover
HDFC ERGO Health Insurance

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Incurred claim ratio



Sum insured

Up to 2 CR


No. of Plans



Solvency Ratio



Pan India Presence


Customized Health Insurance Plan for you.

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Network hospitals



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Sum insured

Up to 2 CR


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Pan India Presence


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


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.

Reduced Paid-Up Benefit



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:

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.

Explore other HDFC ERGO Health Plans

HDFC ERGO provides myriads health plans to cater to the different needs of different customers. You can read about HDFC ERGO health plans for individuals, families, senior citizens, etc, below:


Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.

Unique Features

  • No room rent capping
  • 100% SI restoration
  • E-opinion for 51 illnesses

Optima Secure Policy (Pros)

  • Secure Benefit
  • Plus Benefit
  • Automatic Restore Benefit
  • No room capping
  • Covid - 19 Cover

Optima Secure Policy (Cons)

  • Adventure Sports Injuries
  • Injuries Out of War
  • Death due to breach of law
  • Congenital Diseases
  • Alcoholism

Optima Secure Policy (Other Benefits)

  • Day Care Treatments
  • Road Ambulance Cover
  • Air Ambulance Cover
  • E-opinion
  • Organ Donor Cover

Optima Secure Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - 5 L to 2 Cr
  • Waiting Period - 30 Days


This plan is designed to provide you with alternate and basic healthcare facilities at affordable premium options.

Unique Features

  • Seamless customer support
  • Daycare procedures
  • Pre & post-hospitalization

Arogya Sanjeevani Policy (Pros)

  • Dental treatment & plastic surgery
  • Cumulative bonus
  • Wellness track app
  • 12 listed treatments covered
  • Preventive health check-ups

Arogya Sanjeevani Policy (Cons)

  • No maternity cover
  • Insufficient coverage
  • Less coverage for daycare procedures
  • Vaccination not covered
  • COVID-19 care not covered

Arogya Sanjeevani Policy (Other Benefits)

  • Individual & family floater plan
  • Over 13,000 Network Hospitals
  • Unlimited consultations up to SI
  • Cashless claim settlement
  • AYUSH Treatment cover

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry age: 3 Months - 25 Years
  • Adult age - 18 - 65 Years
  • SI - Up to 10 Lakhs
  • Waiting Period - 30 days


Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

  • Free health checkup
  • 2X multiplier benefit
  • 100% SI restoration

Optima Restore Policy (Pros)

  • Daily Hospital Cash
  • Ambulance Cover
  • Modern Treatment
  • Lifetime Renewal
  • Pre and Post Hospitalization

Optima Restore Policy (Cons)

  • No Dental Cover
  • No Maternity Cover
  • No Non-Allopathic treatment
  • Pre-Existing Diseases after 3 yrs
  • Alcoholism not covered

Optima Restore Policy (Other Benefits)

  • Sum Insured Enhancement
  • Tax Benefit
  • E-Opinion
  • 10% Family Discount
  • 7.5% discount on 2 years premiums

Optima Restore Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days


Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.

Unique Features

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts

my:health Suraksha (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

my:health Suraksha (Cons)

  • No Return Transportation Cost
  • Suicidal Injuries
  • No Non-Allopathic treatment
  • Adventure Sports Injuries
  • Alcoholism

my:health Suraksha (Other Benefits)

  • Pregnancy Complications Covered
  • Newborn Complications Covered
  • Loss of Job Covered
  • Post Diagnosis Support
  • 41 Critical Illness Covered

my:health Suraksha (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 75 L
  • Waiting Period - 30 Days


An individual and family health plan providing SI of up to 1 crore to prepare you to meet constantly increasing medical inflation.

Unique Features

  • Free preventive health checkup
  • Multiple wellness services
  • Up to 10% of fitness discount

Koti Suraksha Plan (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

Koti Suraksha Plan (Cons)

  • Infertility Treatment
  • No Unproven Treatments
  • No Dietary Supplements
  • No Maternity Treatments
  • No Cosmetic Surgery

Koti Suraksha Plan (Other Benefits)

  • 5% Non-Medical Expense Covered
  • Emergency Worldwide Coverage
  • Aggregate Deductible
  • Overseas Treatment
  • Sum Insurance Rebound

Koti Suraksha Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 Cr
  • Waiting Period - 30 Days

Disease-specific plan

Designed especially for people with pre-existing diabetes or hypertension. Get coverage for diabetes and hypertension from Day 1 without any waiting period.

Unique Features

  • Stay fit & earn reward points
  • 100% SI restoration
  • Health coach & wellness programs

Energy Diabetes Policy (Pros)

  • In- Patient Hospitalization
  • No Waiting Period for Diabetes
  • Restore Benefit
  • Cumulative Bonus
  • Pre and Post Hospitalization

Energy Diabetes Policy (Cons)

  • 2 Year Waiting Period
  • Abuse of Intoxicant Not Covered
  • War Operations Injury
  • Sexsually Tranmitted Diseases
  • Pregnancy Not Covered

Energy Diabetes Policy (Other Benefits)

  • Monthly Newsletter
  • Organ Donor Benefit
  • Earn Rewards for Staying Healthy
  • 25% Discount On Renewal
  • 2 Variant Options(Silver,Gold)

Energy Diabetes Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 50 L
  • Waiting Period - 2 Years

Disease-specific plan

Covers all types of cancer at all stages with lifelong renewability option. If diagnosed with IV stage cancer or relapse, this plan pays 100% of SI as a lump sum.

Unique Features

  • Coverage for modern treatments
  • Second opinions available
  • Coverage for follow-up care

HDFC iCan Cancer (Pros)

  • Ambulance Cover
  • Follow up care post treatment
  • Conventional Treatments
  • Hormonal Treatment
  • Stem Cell Transplantation

HDFC iCan Cancer (Cons)

  • No Non Allopathic treatments
  • No Prosthetic Devices
  • No Overseas Treatments
  • Pre-existing condition for Cancer

HDFC iCan Cancer (Other Benefits)

  • Sum Insured Enhancement
  • CritiCare Benefit
  • Family Care Benefit
  • Lifetime Renewal
  • MyCare Benefit

HDFC iCan Cancer (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 50 L
  • Waiting Period - 120 Days

Critical Illness

An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.

Unique Features

  • One-time lump sum payment
  • No medical checkup up to 45 years
  • Lifelong renewability

Critical Illness Policy (Pros)

  • In- Patient Hospitalization
  • High Cover at Low Premium
  • 1 or 2 Year Policy Period
  • End Stage Liver Failure
  • No Cover ceasing age

Critical Illness Policy (Cons)

  • 10 Lakh Fine on Wrong Claim
  • Tuberculosis Not Covered
  • PED after 48 months
  • Kaposi's sarcoma Not Covered
  • Lymphomas in brain Not Covered

Critical Illness Policy (Other Benefits)

  • 3 Variants (Silver, Gold, Platinum)
  • Two Year Policy Period
  • Guaranteed Renewal for Life
  • Loading on Renewal
  • Individual and Floater SI Options

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 90 Days

Bonus-oriented health plan

A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*

Unique Features

  • Automatic SI restoration
  • Multiplier benefit
  • Free preventive health checkup

Wallet Family Floater (Pros)

  • Reserve Benefit
  • 100 % Restore Benefit
  • Recovery Benefit
  • 50% Increase On SI on Renewal
  • World Wide Coverage

Wallet Family Floater (Cons)

  • External Congenital diseases
  • Drugs Treatments
  • Miscarraige Not Covered
  • Deductibles (Optional)
  • No Cosmetic Surgery

Wallet Family Floater (Other Benefits)

  • Ambulance Cover
  • 5 Year Policy Cover
  • Portability
  • 30 Days Grace Period
  • Sum Insured Enhancement

Wallet Family Floater (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days


Avail of extra cover to meet medical expenses without any limitations by purchasing this deductible-based top-up plan.

Unique Features

  • Constant premiums post 61 years
  • No medical checkup up to 55 years
  • 5% discount on 2-year policy term

My:health Medisure Super Top-up (Pros)

  • In- Patient Hospitalization
  • High Cover at Low Premium
  • Post 61 Year No Premium Hike
  • Day Care Procedure
  • Pre and Post Hospitalization

My:health Medisure Super Top-up (Cons)

  • Treatment Of Obesity
  • Self Inflicted Injury
  • War Operations Injury
  • Sexsually Tranmitted Diseases
  • No Cosmetic Surgery

My:health Medisure Super Top-up (Other Benefits)

  • Free Look Period
  • Two Year Policy Period
  • Guaranteed Renewal for Life
  • Loading on Renewal
  • Individual and Floater Options

My:health Medisure Super Top-up (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days


This plan covers the policyholder with basic to advanced healthcare benefits not only within the Indian subcontinents but globally as well.

Unique Features

  • Global healthcare coverage
  • Multiple wellness services
  • Unlimited restore add-on

Optima Secure Global Plan (Pros)

  • In-patient hospitalisation
  • Daycare treatment
  • Domiciliary hospitalisation
  • Sum insured restoration
  • Organ donor expense cover

Optima Secure Global Plan (Cons)

  • COVID-19 care not covered
  • Modern treatment not covered
  • OPD not covered
  • Sub-limits not applicable

Optima Secure Global Plan (Other Benefits)

  • Individual, multi-individual & family floater plan
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlemen
  • AYUSH treatment coverd

Optima Secure Global Plan (Eligibility Criteria)

  • Entry age - Child - 91 days - 25 Years
  • Adult - 18 - 65 Years
  • SI - INR 1 -2 Crore/s
  • Waiting Period - 30 days


HDFC Ergo Personal Accident Insurance

Safeguard your financial savings with HDFC Personal Accident Insurance as it covers you against accidental medical expenditures.

Unique Features

  • Worldwide Coverage
  • Tax Benefits
  • Lifelong Renewability

Personal Accident Insurance (Pros)

  • No medical check-ups
  • Family cover available
  • Accidental Death
  • Permanent Total Disability
  • Broken Bone Coverage

Personal Accident Insurance (Cons)

  • Pre-existing injuries not covered
  • Suicide not covered
  • Adventure sport injuries not covered
  • Claims related to mental illness
  • Individuals working with explosives

Personal Accident Insurance (Other Benefits)

  • Hospital Cash Cover
  • Coverage For Burns
  • Long term discounts
  • 24/7 coverage
  • High Sum Insured

Personal Accident Insurance (Eligibility Criteria)

  • Entry Age - 18 years
  • Max Entry Age - 65 years
  • SI - 2.5 to 15 L
  • Waiting Period - 30 Days

HDFC My:Health Women Suraksha Policy: FAQ's

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.

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Daina Mathew

Written By: Daina Mathew

Daina is a content writеr with a profound grasp of Insurancе, Stocks, and Businеss domains. Hеr extensive 3-year еxpеriеncе in thе insurancе industry еquips hеr with a nuancеd undеrstanding of its intricaciеs. Hеr skills еxtеnd to crafting blogs, articlеs, social mеdia copiеs, vidеo scripts, and wеbsitе content. Her ability to simplify complex insurancе concepts into reader-friendly content makes her an еxpеrt in the domain.