Woman Suraksha Health Insurance
HDFC Family Health Insurance
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Woman Suraksha Health Insurance Plan

The Woman Suraksha Health Insurance is a comprehensive health insurance policy that provides coverage for all specific major illnesses and surgeries. This plan is divided into 6 variants-

  1. Woman Cancer Plan
  2. Women Cancer Plan-Plus
  3. Woman Cardiac Plan
  4. Women CI Essential Plan
  5. Women CI Comprehensive Plan
  6. Women Assault & Burns


All the above plans have the same eligibility, which is as outlined in the below table:

Sum Insured

1 Lakh – 1 Crore

Entry Age

18 years – 65 years

Policy Period

1-3 years

Premium Payment Options

Yearly, Half-yearly, Quarterly, and Monthly

Covered Individuals

Self, Dependent Daughter, Dependent mother and mother-in-law, Grandmother, Grand-daughter, Daughter-in-law, Sister, Sister-in-law & Niece

Wellness Benefits


Waiting Period

  1. 90 & 180 days for listed illnesses
  2. 1 year for pregnancy and new-born related worries
  3. 4 years for all pre-existing illnesses

**Last Updated on 18-12-2020

Features of the Policy:

  1. The comprehensive policy provides coverage through the following 6 sections:
    1. Section 1: Cancer Coverage: The policy provides financial coverage on the diagnosis of cancer. If the insured is diagnosed with malignant cancer of the breast, cervix, uterus, fallopian tube, ovary, vulva, or other major cancers, then 100% of the sum insured will be paid. However, if she is diagnosed with Carcinoma in-situ of the Cervix Uteri or the breast, then 25% of the sum insured (up to Rs.10 lakhs) will be payable.
    2. Section 2: Major illness coverage: If the insured is diagnosed with a major illness like Systemic Lupus Erythematosus with Lupus Nephritis, or Rheumatoid Arthritis, then 100% of the sum insured will be payable. If she is diagnosed with a minor stage Severe Osteoporosis, then 25% of SI (up to Rs.10 lakhs) will be payable.
    3. Section 3: Surgical Procedures: If the insured has to undergo any surgical procedures like Breast Lumpectomy, Mastectomy, Hysterectomy, etc, then 25% of the sum insured (maximum of Rs. 10 lakhs) will be paid.
    4. Section 4: Cardiac Ailments and Procedures: If the insured is diagnosed with any cardiac ailments, and has to undergo any procedure for it, she will be paid 25% of SI (up to Rs.10 lakhs) for minor procedures and 100% of SI for major procedures.
    5. Section 5: Critical Illness: The plan also covers 41 different critical illnesses, that provides complete health coverage for the insured women.
    6. Section 6: Assault & Burn Injury Cover: If the insured woman sustains an injury, disablement (permanent, temporary, partial), or dies due to assault or second or third-degree burn injury, she is liable to get up to 100% compensation of the sum insured.
  2. Optional Covers: Apart from the above covers, the insured woman can also opt for the optional covers for pregnancy complications, newborn complications, loss of job due to the diagnosis of major illness, and post-diagnosis support. The plan also offers the benefit of availing the second medical opinion under post-diagnosis support.
  3. Wellness Benefits: The plan provides free access to my: Health Active App, which provides fitness discounts at renewal, health incentives, and access to wellness services and a health coach.
  4. Reduced Premium Benefit: If an insured woman is diagnosed with any minor condition, which is admissible for a claim, then 50% of the annual premium for the next 5 years is waived off.
  5. Health Check-up: During every renewal, the insured woman can get a free preventive health checkup to ensure that any diseases are detected early-on.

How to buy HDFC ERGO Woman Suraksha Health Insurance?

HDFC ERGO has designed a user-friendly website that helps individuals to easily navigate and buy any insurance policy of their choice. If you want to purchase the Woman Suraksha Health Insurance Plan, then you need to follow the following steps:

  1. On the website of HDFC ERGO, click on the drop-down menu on the left-hand side and select the ‘Health Insurance’ option under the ‘Buy’ section.
  2. You will be redirected to a new page, and half-a-way down the page, a horizontally scrolling list will appear of all the different health plans. Select my: Health Woman Suraksha Plan and click on ‘Buy Now’.
  3. A new page will open, which will have three sections: Calculate Premium, Fill Details, and Make Payment. In the first section, fill the details like Occupation, Annual premium, Date of birth, and whether you have the pre-existing disease, and click on ‘Calculate Premium’. The premium will be generated, and then you will have to fill in your personal details in the second section, and make the payment through the available channels in the third section.
  4. Once the payment is made, the policy will be generated and mailed to you shortly.

In case you run into some trouble while buying from HDFC ERGO, you can reach out to PolicyX.com at 1800-4200-269.

How to file a claim for the HDFC ERGO Woman Suraksha Plan?

  1. If an insured individual needs to file a claim under any of the sections applicable under the policy, she should keep the following details handy before intimating the company about the claim:
    1. Policy number
    2. Nature of disease/illness
    3. A brief history of diagnosis (first diagnosis date is necessary)
  2. Once the details are collected, the individual needs to file the claim through the following means:
    1. Online: www.hdfcergo.com > Help > Claim registration
    2. Physical: Send duly signed claim form along with required documents to below address

      HDFC ERGO General Insurance company Ltd,

      5th floor, Tower 1, Stellar IT Park, C-25,

      Sector-62, Noida, UP, India - 201301.

  3. The following documents need to be sent for admitting the claim:
    1. Completed and signed claim form
    2. Photo ID proof of insured and claimant
    3. Original discharge summary
    4. Consultation note/relevant treatment papers
    5. Relevant medical reports
    6. Supporting invoices
    7. Pharmacy bills with prescriptions
    8. Others requested by the company
  4. Once the forms are submitted, the hospital and the insurance company will carefully scrutinize the documents and will convey the final decision on the claim. If the insured wants to check the claim status, she can check it on the website, or through the mobile app.

The insured also has an option to file a reimbursement claim by submitting the required documents to the company. Once the verification is over, the company will transfer the payment to the registered bank account.

What are the exclusions under the Woman Suraksha Health Insurance?

The following are the major exclusions under the policy:

  1. Adventure sport injuries
  2. Self-inflicted Injuries
  3. War injuries
  4. Participation in defense operations
  5. Venereal or sexually transmitted diseases
  6. Treatment of obesity or cosmetic surgery

Frequently Asked Questions (FAQs):

1. What is the waiting period and survival period applicable to the Woman Suraksha Health Insurance Plan?

The waiting period is 90 & 180 days for listed illnesses. However, for pregnancy and newborn complications, it is 1 full year, and for pre-existing diseases and complications, it is 4 years. The survival period for the policy is 7 days.

2. Do I need to take a separate policy for each woman in my family?

No, all women in a family can be covered under one policy.

3. How do I accumulate healthy weeks in the Health App?

To accumulate healthy weeks, you need to track your physical activity through a wearable device that is linked to the health app. Based on the healthy weeks accumulated, you will be eligible to get a discount ranging from 0.5% - 10% on the renewal premium.

4. What different benefits are offered under the post-diagnosis support add-on?

In the post-diagnosis support add-on, an insured woman can get the benefit of outpatient counseling, a second medical opinion, and a molecular gene expression profiling test.

5. Are there any discounts offered under this Woman Suraksha Health Insurance Plan?

Yes, based on the type of coverage and the number of individuals covered, an individual can get a family discount, long-term policy discount, and loyalty discount. Your insurance advisor will help with the details applicable to your case.

Last updated on 18-12-2020