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Our Offerings

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Women Cancer Plus Plan
  • Opt for this health insurance plan to get coverage against cancer along with major illnesses that lead to tremendous financial drained if ever occured
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Women CI Essential Plan
  • Women today need umpteen medical care especially with growing age. Get financial assistance for major illnesses, surgeries, cancer and heart ailments instantly.
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Women CI Comprehensive Plan
  • Get an all round cover for major surgeries, cancer, major women specific illnesses and 41 listed critical illnesses all under one plan.
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CoverageWomen Cancer Plus PlanWomen CI Essential PlanWomen CI Comprehensive Plan
Cancer Cover   
Major Illnesses   
Surgical Procedures   
Cardiac Ailments & Procedures   
Critical Illnesses   
Wellness & Health Coach   
Preventive Health Check-up   
Pregnancy & Newborn Complications25 % of SI, Max 500,000
Post diagnosis Support(PDS) 
Molecular Gene Expression Profiling TestUp to 10,000 - Molecular Gene Expression Profiling Test - once in Policy term
Outpatient Counselling3,000 per session for up to maximum of 6 sessions
Second OpinionUp to 10,000
Loss of Job Benefit50% of Monthly Salary, up to 6 months

 

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Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
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All the support you need-24 x 7
Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Secured Over 1.5 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Secured Over 1.5 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Secured Over 1.5 Crore+ Smiles!
All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Go Paperless!
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods.
Why HDFC ERGO?
Secured Over 1.5 Crore+ Smiles!

Secured Over 1.5 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
All the support you need-24 x 7

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Transparency In Every Step!

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Integrated Wellness App.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Go Paperless!

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox.

Frequently asked questions

1. Is there any entry age limit for getting covered under my:health Women Suraksha?

Minimum and maximum entry age to get covered under my:health women Surkasha is 18 & 45 years respectively for basic covers, and 18 and 40 years respectively for optional Pregnancy & New-born Complications cover.

Almost all the ailments that are more common in women are covered in this product under various plans. These include Cancer, Rheumatoid Arthritis, Osteoporosis, Cardiac ailments, major surgeries and 41 critical illnesses.

Pregnancy is not covered, but Pregnancy and New-born baby complications are available as an optional cover on payment of additional premium.

Yes, my:health Women Suraksha is available in 1, 2 & 3 year policy tenure options.

Yes. Being a benefit policy, there is no territorial limit. The policy has a worldwide scope.

Policy which pays in lump-sum amount at time of claim are called as benefit policy. My:health Women Suraksha is a benefit policy, because, in case the Insured is diagnosed with an illness (which is part of the plan opted) and Insured survives for 7 days from the date of diagnosis, then, lump-sum amount (partial or full) is settled based on the disease category the ailment is listed under.

Survival period is the minimum number of days that the Insured has to survive post diagnosis of illness as per the plan opted, for claiming under the policy. Traditionally, survival period of any critical illness policy has been 30 days. However, survival benefit for my:health Women Suraksha is only 7 days.

1. The illness are categorised into 2 broad types, namely Minor & Major condition.
  • 2. In case claim is admissible under any of the Minor condition as listed in the policy, then claim amount to an extent ie eg: 25% of sum insured upto a maximum of Rs 10 Lacs is paid. The balance sum insured is carried forward at the time of renewal. Not just that, the renewal premium is also waived off by 50% for 5 subsequent renewals.
  • 3. The balance Sum Insured carried forward is eligible for any Major condition claim in the future.

    • Only one Claim is payable under each of the stages given below during lifetime of the Policy.


    Minor Stage     : On the admissibility of Claim under Minor Stage condition under the Policy, coverage for all other Minor stage Conditions shall cease to exist. The Policy shall continue to Cover Major Stage condition for balance sum insured.

    Major Stage: On the admissibility of claim under major stage condition, coverage under the policy ceases to exist.


    Today women equally take part in sharing financial needs of the family. In case they have to leave their salaried job due to any critical illness, then LOJ cover ensures that their family’s basic financial needs are met, EMIs are not defaulted etc while the lump-sum benefit takes care of their medical treatment. It provides a breather in times of distress.

    1. Insured person has to be a full time salaried employee at time of policy inception. 2. Sum Insured for Loss of Job cover is calculated based on Insured person's monthly salary. It is 50% of the monthly salary for 6 months or base sum insured, whichever is less.

    Insured Person will be entitled for preventive health check-up after every renewal of the policy with Us, at our network diagnostic centers or hospitals, as per list of tests and eligibility criteria upto 60 days of renewal policy start date.

    When one is diagnosed with a Critical Illness especially Cancer, the treatment has to be managed meticulously. Post Diagnosis Support cover offers the following support: 1. A second medical opinion for you to be doubly sure of the diagnosis and treatment planned. 2. Post-diagnosis assistance to help you financially towards outpatient counselling for maximum of 6 sessions. Benefit under this cover is applicable up to Rs. 3000/- per session. 3. Molecular Gene Expression Profiling tests to help predict one's risk of cancer recurrence, help doctors determine who may benefit from additional (adjuvant) treatment after surgery. Can be Availed once during the policy period and the benefit amount payable shall not exceed Rs. 10,000.

    You can change the plan & sum insured at the time of renewal subject to no claim under the policy and applicable underwriting guidelines .

    Those who have opted for post-diagnosis support optional cover, are eligible for 'Molecular Gene Expression Profiling Test' in case they are diagnosed with Cancer and an admissible claim is made under the policy. Molecular Gene Expression Profiling Test is widely used to determine treatment protocol for Breast Cancer which is the most frequent type of Cancer amongst women in India.

    Expenses incurred towards second Medical Opinion availed from Medical Practitioner in respect of Critical Illness/Medical Procedure covered under the Policy subject to; • Benefit under this cover can be claimed only Once in the Policy Period. • The maximum benefit under this cover shall not exceed Rs. 10,000

    Yes, tax benefit under section 80D can be availed under this policy.

    While buying an online policy for my:health Women Suraksha you can choose between 3 lacs to 24 lacs, however if you wish to go for a higher sum insured then kindly visit our nearest branch.
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