HDFC ERGO my:Health Women Suraksha

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      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

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      HDFC ERGO my:Health Women Suraksha Insurance Plan: Key Benefits

      HDFC ERGO my:Health Women Suraksha
      Categories Specifications
      Sum Insured Rs. 1 Lakh to Rs. 1 Crore
      Policy Tenure 1 year, 2 years, 3 years
      Network Hospitals 12000+ hospitals
      Incurred Claim (2021-22) 97.47%
      Pre-Existing Disease Waiting Period 4 years
      Specific Disease Waiting Period 90 days or 180 days, according to the
      Initial Waiting Period 30 days

      HDFC ERGO my:Health Women Suraksha Insurance Plan: Benefits

      The following are the benefits of purchasing HDFC ERGO my: Health Women Suraksha insurance plan:

      • Comprehensive coverage – Under this policy from HDFC ERGO, the insured is offered coverage for various diseases and health issues like critical illness, surgical procedures, and assault and burn injuries.
      • Lifetime Renewals – Individuals with the HDFC ERGO my:Health Women Suraksha plan are provided lifetime coverage and renewals.
      • Post Diagnosis Support – It provides the insured a fixed amount if diagnosed with a severe illness. They can also get a second medical opinion and a molecular gene expression-profiling test.
      • Reduced Premium Benefit– If the insured is diagnosed with any minor illness covered under the HDFC ERGO my:Health Women Suraksha policy, 50% of the annual premium will be available.
      • Survival Period – Any claims filed under this section is payable only if the insured individual survives seven days from the diagnosis and fulfilment of the illness or the surgical procedure is undertaken.

      HDFC ERGO my:Health Women Suraksha

      HDFC ERGO my:Health Women Suraksha
      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Maximum Entry Age Adult – 65 years
      Coverage Type All Women within the family in a single policy
      Renewability Lifelong

      Inclusions of HDFC ERGO my:Health Women Suraksha

      The inclusions under the HDFC ERGO my:Health Women Suraksha insurance plan have been included as follows:

      • Wellness benefits – The insurance includes various health benefits like weight management, nutrition, pharmacy discounts, and health coaching.
      • Cover for different cancers – It 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.
      • Surgical procedural cover – Any 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.
      • Pregnancy and Newborn Cover – The 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.
      • Cardiac issues and procedures – The 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.

      Exclusions of HDFC ERGO my:Health Women Suraksha Insurance

      The following are the exclusions under the HDFC ERGO my:Health Women Suraksha Insurance plan:

      • Expenses on dietary supplements
      • Treatments and expenses related to military service participation
      • Treatments incurred outside the geographical boundaries of India
      • Expenses incurred for medicines not prescribed by an attending medical expert

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