About HDFC ERGO my:Health Women Suraksha
The HDFC ERGO my:Health Women Suraksha Insurance is a comprehensive policy with several distinctive features such as cancer cover, cardiac illness cover, women specific disease cover, reduced premium benefits, pregnancy and newborn baby complications,among others. The HDFC ERGO my: Health Women Suraksha insurance plan is for women who wish to secure their health with adequate insurance cover
HDFC ERGO my:Health Women Suraksha: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | Rs. 1 Lakh to Rs. 1 Crore |
| Pre-Existing Disease Waiting Period | 3 years |
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Key Benefits of HDFC ERGO my:Health Women Suraksha
HDFC ERGO my:Health Women Suraksha Inclusions & Exclusions
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Wellness benefitsThe insurance includes various health benefits like weight management, nutrition, pharmacy discounts, and health coaching.
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Cover for different cancersIt ensures that the insured is paid off when treating any form of cancer and its related surgeries. The benefits can range from anywhere between 100% of the sum insured to 25% of the sum insured up to Rs. 10 lakh depending on the location of the cancer.
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Surgical procedural coverAny individual having this insurance is also covered for surgical procedures like mastectomy, hysterectomy and other similar surgeries. The sum insured payable for any of the surgical procedures is 25% and subject to a limit of Rs. 1,000,000.
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Pregnancy and Newborn CoverThe HDFC ERGO my:Health Women Suraksha plan covers the insured throughout their pregnancy and for the newborn child. The benefits are available up to 25% of the sum insured with the limit as mentioned on coverage schedule.
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Cardiac issues and proceduresThe HDFC ERGO my:Health Women Suraksha Insurance plan covers cardiac and surgical problems. Depending on the cardiac ailment or procedures on the insured, the payable is either 100% of the sum insured or 25% of the sum insured to a maximum of Rs. 10 lakh.
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Expenses on dietary supplements
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Treatments and expenses related to military service participation
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Treatments incurred outside the geographical boundaries of India
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Expenses incurred for medicines not prescribed by an attending medical expert
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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HDFC ERGO my:Health Women Suraksha: FAQs
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Q1. How old should the insured be to purchase HDFC ERGO my:Health Women Suraksha Insurance plan?
Ans: The insured should be at least 18 to purchase the HDFC ERGO my:Health Women Suraksha Insurance plan. -
Q2. Is the HDFC ERGO my:Health Women Suraksha Insurance plan a good plan to purchase?
Ans: Yes. The HDFC ERGO my:Health Women Suraksha Insurance plan is a good choice as a health insurance plan since it provides cover against expenses incurred due to various health issues like severe osteoporosis, rheumatoid arthritis, systemic lupus erythematosus with lupus nephritis and medical procedures like hysterectomy, breast reconstructive surgeries, mastectomy among women. -
Q3. Who can be covered under the HDFC ERGO my:Health Women Suraksha Insurance plan?
Ans: The HDFC ERGO my:Health Women Suraksha Insurance plan covers the insured and their dependents. It is important to note that the dependents should be female relatives of the policyholder who should also be a female.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
HDFC ERGO offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of HDFC ERGO
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to HDFC ERGO for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the HDFC ERGO policy
- The network hospital will send the hospital bill to HDFC ERGO.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
