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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.
This plan offers several unique key features:
| PLAN DETAILS |
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Hdfc Ergo My Health Women Suraksha Policy |
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My Health Suraksha Smart Plan |
| Product Type | Women Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Not covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
15000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Not Covered |
| Plan Entry Age | 18 to 65 years | 18 Years to No age limit |
| Plan Premium Entry Age and S/A | 12,000 | 7,800 |
| Plan Waiting Period | 90 | 30 |
| Plan Coverage | Cancer and major illness cover, surgeries and cardiac cover, critical illness payout, pregnancy complications add on | Individual/Family floater |
| Plan Sample Premium | 12,000 | 7,800 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 years | 1, 2, 3 years |
| ICU Charges | Not covered | Covered |
| Covid-19 Treatment | Not covered | Covered |
| Cataract | Not covered | Covered |
| Automatic Restoration | Not covered | Covered |
| Ayush Treatment | Not covered | Covered |
| Modern Treatment | Not covered | Not Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Not covered | Covered |
| Global Coverage | Not covered | Not Covered |
| Claim Ratio | 95.30 | 95.30 |
| Solvency Ratio | 2.00 | 2.00 |
|
HDFC ERGO Health Insurance HDFC Ergo Health Insurance Plan Detailed Review |
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