• Introduction
  • What's included?
  • What's not included?
  • Other related articles
  • FAQs

Women Critical Illness Comprehensive Plan

Today, women have taken up the charge to lead in all aspects of life. Women have shouldered multiple responsibilities too, now it’s time to strike a balance and take necessary steps to secure their health. HDFC ERGO presents my:health Women Health Suraksha, a plan designed specifically for women to offer protection against minor ailments, major illnesses, surgeries and critical illnesses as well. Don’t let any disease be a show stopper in your life, be prepared enough to give a fight against it and safeguard your finances too. Your health is as important as that of any other member of your family, secure it today and stay protected against numerous ailments under one single plan with HDFC ERGO, a brand trusted by 1 Crore+ customers.

Reasons to choose my:health Women Critical Illness Comprehensive Plan

Vouch for Total Cover
Looking beyond basic health cover? This plan is designed to cover women specific illnesses both minor and major, specialized surgeries and 41 listed critical illnesses for a holistic healthcare needs.
Health Cover beyond Boundaries
Women today have spread their wings, so why let the policy imply territorial limits? We offer worldwide coverage, so any surgery or ailment that has taken place in a foreign land gets covered.
Self Empowering Optional Covers
What stops women from achieving life goals, has to be dealt carefully to ensure it doesn’t create a road block on their path. We offer optional covers for loss of Job, Assault & Burns, Pregnancy and New-born baby complications, and Post-diagnosis support.
Uninterrupted Policy Continuation
Worries if one claim for minor illness will put an end to this policy? Well no, even if you claim for any minor illness your policy continues to cover you against major illnesses and surgeries for the balance sum insured.

What’s Included?

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Cancer Cover

With this policy, stay protected and let cancer not deter you from achieving life goals. We offer 100% sum insured for all such women specific cancer. Know More...

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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.Know More...

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Major & Minor Illnesses Covered

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 hazardsKnow More...

 

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Surgical Procedures

Undoubtedly, surgical procedures are a major reason for financial drainage during the course of treatment. To reduce financial burden caused due to surgical procedures like Know More...

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Cardiac Ailments & Procedures

Heart ailments aren’t that rare these days! As per WHO, Cardiovascular diseases (CVD) are the major cause of mortality globally, as well as in India. Get coverage for Open Chest CABG, First Heart Attack, Angioplasty, Insertion of Pacemaker and many more.

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Critical Illness

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.

What’s not included?

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Adventure Sport injuries

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

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Self-inflicted injuries

You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

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War

War can be disastrous and unfortunate. However, our policy does not cover any claim that are caused due to wars.

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Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

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Venereal or Sexually transmitted diseases

We do understand the criticality of your disease. However, our policy does not cover venereal or sexually transmitted diseases.

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Treatment of Obesity or Cosmetic Surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Waiting Period / Survival Period

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90 Days Waiting Period

90 days waiting period applicable on all illnesses/Procedures categorized as “Major”.

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180 Days Waiting Period

180 days waiting period applicable on all illnesses/Procedures categorized as “Minor”

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1 year Waiting Period

1 Year waiting period applicable for all claims under pregnancy and New Born Complications cover.

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7 days Survival Period

7 days Survival Period on illnesses/Procedures including Maternity Complications

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30 day Survival Period

30 day Survival Period from date of delivery for New Born Complications and Condition must be diagnosed within two years from delivery of Baby

What makes my:health Women Suraksha a 360 Degree Insurance Plan?

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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.

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Wide range of sum insured available

From 3 lac upto 1 crore, choose the sum insured plan according to your health history as well as affordability of premium.

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Attractive Discounts

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.

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Lifetime renewability

This feature makes HDFC ERGO Women Health Suraksha your health care partner and allows you unrestricted coverage.

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Free Preventive Health Check-up

Get free preventive health check-up at every renewal, to ensure early detection of an ailment.

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Tax Benefits

Get Tax Benefit under section 80 D.

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Wellness Coach

The Wellness coach enables you to track your exercise and calorie count seamlessly. It helps you lead a fit lifestyle.

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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.

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Why choose HDFC ERGO General Insurance?

Secured Over #1 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.
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.
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. `90% of pre-authorised cashless health claims are responded within 20 minutes.
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.
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 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

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!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process. `90% of pre-authorised cashless health claims are responded within 20 minutes and reimbursement claims are approved within 3 days.

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!

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.

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Frequently asked questions

Minimum and maximum entry age to get covered under my:health women Surkasha is 18 & 65 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, 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.
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.
One can change the plan & sum insured at the time of renewal subject to no claim reported under the policy.
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.
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