Knowledge Centre
  • Introduction
  • What's included?
  • What's not included?
  • Why Choose HDFC ERGO?
  • FAQs

Women Critical Illness Essential Plan

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. Woman’s health is as important as that of any other member of your family, secure it today and stay protected against cancer, major illnesses, heart diseases and other major surgeries under one single plan with HDFC ERGO, a brand trusted by #1 crore+ customers.

Reasons to choose Women Essential Critical Illness Plan

Surgical Procedures Covered
For treating any major illness doctors often suggest surgeries and we know with advancement of medical science, the treatment costs have increased. With this plan we cover women specific surgical procedures effortlessly.
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.
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, Pregnancy and New-born baby complications, and Post-diagnosis support.
Uninterrupted Policy Continuation
Worried 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

When cancerous cells start multiplying and spread to other tissues in your body it’s referred to as Malignant Cancer. We offer 100% sum insured for all such women specific cancer. Know More...

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Carcinoma in Situ

When abnormal growth of tissues remain localized and has not spread to the other organs or tissues of the body, which usually termed as carcinoma in-situ, this stage can be dealt effectively with medication and treatment. We cover you at this stage as well.Know More...

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Major 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 hazards.Know More...

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Minor Illnesses Covered

Severe osteoporosis is a bone disorder, which usually happens during the later phase of life. With this Women Suraksha Cancer Plus plan, you get coverage for this illness for maximum of 25% of sum insured upto Rs. 10 lacs.

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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.

What’s not included?

Adventure Sport injuries
Adventure sport injuries

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

Self-inflicted injuries
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.

War
War

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

Participation in defense operations
Participation in defense operations

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

Venereal or Sexually transmitted diseases
Venereal or sexually transmitted diseases

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

Treatment of Obesity or Cosmetic Surgery
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.

Secured Over 1 Crore+ Smiles!
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.
Secured Over 1 Crore+ Smiles!
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 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 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 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 Crore+ Smiles!

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

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

There is no maximum entry age limit to buy Health Suraksha. Anyone who is 91 days onwards can buy the policy. Children below 5 years however, can be covered only if both parents are covered under the policy.
Yes, it is important to declare all about your pre-existing disease at the time of policy purchase to avoid any future hassles.
Yes, as per the guidelines for Health Suraksha, all those over age 45 years have to undergo pre-policy medical check up irrespective of their health status.
Pre-existing waiting period for Health Suraksha is 4 years. That means, your pre-existing diseases declared at the time of policy purchase will be covered after 4 continuous renewals.
Yes, there is a 10% discount in case you opt for Health Suraksha Policy for 2 years tenure.
Yes, in case you opt for Health Suraksha for more than 2 family members on individual sum insured basis in a single policy, then you get an additional 10% discount on the total premium.
In case you have mentioned a pre-existing disease, the proposal form with all the details submitted is referred to our in-house Underwriting team to assess and evaluate the risk. Depending on the pre-existing disease, medical tests may be called for. This can be done from our network diagnostic list. Our Underwriting team will review the test results and decide upon the admissibility of the proposal.
No, you need not pay for pre-policy medical tests. It is cashless. Only in case your policy is rejected based on adverse medical findings, 50% of the pre-policy check up cost is deducted from the premium refund amount.
No, OPD is not covered under Health Suraksha.
Yes, younger spouse can be a proposer under Health Suraksha. However, premium calculation is based on the age of eldest family member proposed.
Depending on the age and sum insured opted, pre-policy medical checkup varies. Pre-policy medical checkup typically has Medical Examination Report by the Physician, few blood & Urine tests & ECG. TMT, 2D echo, Sonography etc can also be part of the PPC check up list depending on the Sum insured and age of the customer.
In case of Organ Transplantation, donor expenses like screening, organ retrieving & donor hospitalisation expenses are covered. Cost of Organ per se is not covered
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