HDFC ERGO Launches Women Specific Health Insurance Plan
Women today are excelling at every phase of life and undoubtedly form a backbone of every family. Her roles vary from being a caring mother to a dotting wife and what not. While a woman is always on her toes taking care of every little thing around her and ensuring everyone feels the best in their zones, shouldn’t we stop and think about her medical needs. As per The Times of India (Date: 04-Feb-2015) Mumbai Edition, 62% of cancer related insurance claims were filed by women and this number will just rise in the coming years. The statistics do make us think and feel worried about the adverse health effect a woman may undergo. But, what actually we must do is thinking of having a better financial plan in place to tackle medical expenses due to critical and major illnesses.
To help you make a better plan for securing medical expenses arising due to women specific illnesses HDFC ERGO proudly launched my:health Women Suraksha Insurance with 5 varied plans to cater most commonly occurring medical issues that a woman may face in future. These plans are designed in such a way that it covers you everything from minor illnesses to major illnesses and critical ailments as well.
Types of plans listed under my:health Women Suraksha Insurance
Women Cancer Plan
Women Cardiac Plan
Women Cancer Plus Plan
Women Critical Illness Essential Plan
Women Critical Illness Comprehensive Plan
What majorly gets covered Women Critical Illness Comprehensive Plan ?
Cancer Cover for Women Related Cancer: You get 100% sum insured if you are suffering from Breast • Cervix • Uterus • Fallopian Tubes • Ovary • Vagina/Vulva • All Major Cancer.
Carcinoma in-situ: When cancer is detected at an early state it remains localized and has not spread to the other organs or tissues of the body, it can be dealt effectively with medication and treatment. We cover you at that stage as well. We offer 25% of the sum insured to maximum of ₹ 10 lacs for early stage cancer in breast and cervix uteri.
Major Illnesses: We offer 100% sum insured to offer financial support in treating Systemic Lupus Erythematous with Lupus Nephritis and Rheumatoid Arthritis. These diseases are dreadful, need prolonged treatment and may lead to financial hazards.
Surgical procedures covered: We offer 25% of sum insured or ₹. 10 lacs, whichever is lesser for surgeries like Mastectomy, Hysterectomy, Breast re-constructive surgery, Wertheim's Operation, Radical Vulvectomy, Total Pelvic Exenteration, and Complicated Repair of Vaginal Fistula.
Critical Illness Covered: Life threatening diseases can put a full stop to your soaring career. To ensure a better financial planning to fight back and ensure good quality medical services, this plan gives coverage against 41 listed critical illnesses.
You can also choose to get optional covers to get additional safety shield
Post Diagnostic Support
Firstly, we offer upto Rs. 10,000 for a second medical opinion, as you may not be satisfied with your first diagnosis and wish to consult another doctor for detailed review. Secondly, you also get covered for Molecular Gene Expression Profiling Test to get treatment guidance on diagnosis of any major Cancer and lastly post diagnosis assistance, to get counseling for taking measures for quick recovery, which is around Rs 3000 per session and you can take 6 such sessions.
How does it work?
If you are driving your vehicle and there is damage, it needs to be towed to a garage. With this add on cover, you may call the insurer and they will get your vehicle towed to the nearest possible garage. The assistance services available upto 100 kms from your declared registered address.
Loss of Job
It’s quite possible that you may either resign or lose your job due to diagnosis in case of major illness. Under such circumstances women face financial crunch to ensure things work smooth at your end and you are able to remain financially stable, we give 50% of monthly salary for a period of 6 months.
How does it Work?
If your car is completely damaged or stolen and the invoice cost was ₹ 7.5 lakhs. However, now the depreciated value of your car is only 5 lakhs. In this case, you will get only ₹ 5 lakhs. If you buy this Return to Invoice add on cover only then you will get the purchase invoice cost which is ₹ 7.5 lakhs. However, policy excess/deductible needs to be paid by the customer, which is quite nominal.
Why to choose my:health Women Suraksha Insurance?
Lumpsum Payment – Benefit Plan
Understanding the criticality of the diseases and the requirement of financial assistance, we offer instant and lumpsum payment i.e your sum insured gets paid in one transaction.
Wide range of sum insured available
From INR 3 Lacs upto INR 24 Lacs, choose the sum insured plan according to your health history as well as affordability of premium.
Get up to 5% discount for online policy. You also get 7.5% discount on 2 years policy and 12.5% for 3 years policy tenure.
This feature makes HDFC ERGO Women Health Suraksha your health care partner and allows you unrestricted coverage.
Free Preventive Health Check-up
Get free preventive health check-up at every renewal, to ensure early detection of an ailment.
Get Tax Benefit under section 80 D.
The Wellness coach enables you to track your exercise and calorie count seamlessly. It helps you lead a fit lifestyle.
Free look cancellation
No compulsions. You are free to cancel the policy within 15 days from the date of receipt of policy document in case you find it unsuitable.
Get fitness discount of upto 10% on every renewal for staying fit.
This health insurance plan is designed specifically for women and covers all the possible major and minor ailments which women may or may not face anytime in future. However, there is no harm and staying super secured. A single medical ailment is powerful enough to drain your lifelong savings to make sure that doesn’t happen and you are safe against such expenses.
Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales
Diwaker Asthana Health Insurance industry experience of 20 years
Diwaker Asthana recommends buying my:health Suraksha Insurance to get the benefit of a wide range of coverage that the plan offers. For some unique benefits like cashless home health care and in-patient treatment for mental illness, he believes this plan will benefit customers in the long run