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Health Insurance 1372 views August 25, 2020
Nowadays, women also hold a great responsibility in their day to day life whether they are taking care of their family or earning for the family. So, in such a busy schedule they don’t take care of themselves. So here is a plan for a woman that is known as the HDFC ERGO My Health Women Suraksha Policy. It covers various types of critical illnesses that usually occur in a woman like breast cancer, pregnancy disorder, cardiac disease, assaults and burns, and many more. If you really want to take care of your health problems then it is the best plan for you. Let’s go through the features and benefits of this plan.
Table of Contents
You must go through the benefits of this plan before buying it. See the various diseases that are covered in this plan before you buy it.
This plan includes a high sum assured that you will have to decide at the time of inception of the policy. The minimum amount of the Sum Assured is Rs.1 Lac and the maximum amount of the Sum Assured is Rs.1 Crore. You can increase the Sum Assured in the multiples on Rs.1 Lac. Your amount of premium will increase with the increase in the amount of Premium.
You are free to choose the frequency of paying the premium at the time of inception of the policy. The company will give you the option to pay the premium amount on a yearly basis, monthly basis, half-yearly basis, and quarterly basis.
You can enjoy various types of discounts on this policy. If you add more members to the policy then you will get a family discount. On the other hand, if you choose a long policy term then the company will give you a Long Term Discount and loyalty discounts.
Most of the health insurance offers you a policy term of 1 year but you can take the HDFC ERGO My Health Women Suraksha Policy for up to 3 years. You will also get discounts on the premium if you take the policy for the long term.
You are allowed to cover all the female members of the family in one policy only. You will not have to take differed policies for different family members. The members you can cover are as follows:-
You can explore various diseases that are covered in this policy. They are categorized as per the major illness and the surgery required curing the disease.
Encephalitis | Deafness | Blindness | Benign Brain Tumour |
Muscular Dystrophy | Myelofibrosis | Major Head Trauma | Loss of Speech |
Cardiomyopathy | Aplastic Anaemia | End-Stage Liver Failure | End-Stage Lung Failure |
Parkinson’s Disease | Elephantiasis | Alzheimer's Disease | Terminal Illness |
Apallic Syndrome | Pheochromocytoma | Bacterial Meningitis | Crohn's Disease |
Creutzfeldt-Jakob Disease (CJD) | Severe Ulcerative Colitis | Eisenmenger's Syndrome | Fulminant Hepatitis |
Permanent Paralysis of Limbs | Progressive Supranuclear Palsy | Progressive Scleroderma | Brain Surgery |
Multiple Sclerosis with persisting symptoms | Other serious coronary artery diseases | Dissecting Aortic Aneurysm | Medullary Cystic Disease |
Surgery of Aorta | Kidney failure requiring regular dialysis | Infective Endocarditis and Chronic Relapsing Pancreatitis | Major Organ/Bone Marrow Transplantation |
HIV due to blood transfusion and occupationally acquired HIV | Motor Neurone Disease with permanent symptoms | Primary (Idiopathic) Pulmonary Hypertension | Chronic Adrenal Insufficiency (Addison's Disease) |