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Health Insurance 899 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
Key Features of My Health Women Suraksha Policy
- Flexibility of Choosing the Sum Assured in the range from Rs.1 Lac to Rs.1 Crore.
- Option to pay the premium amount on the basis of different frequency modes.
- You can also cover different female family members of the family.
- 41 Different types of Critical illnesses are covered in this Plan.
- This plan can cover all the women of the family under one plan only.
- You can take this health insurance plan for up to 3 years.
Benefits of the My Health Women Suraksha Plan
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.
High Sum Assured
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.
Flexibility of Paying Premiums
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.
Various Types of Discounts
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.
Long Policy Term
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.
Cover Different Family Members
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:-
- Self
- Dependent Daughter
- Dependent Mother
- Dependent Mother-in-law
- Grandmother
- Granddaughter
- Daughter-in-law
- Sister
- Sister-in-law
- Niece
Illnesses Covered in HDFC ERGO My Health Women Suraksha Plan
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.
Cancer Cover
- Cancer cover of Breast, Cervix, Uterus, Fallopian Tube, Ovary, Vagina/Vulva.
- Other Major Cancer
- Carcinoma in situ of Cervix and Carcinoma in-situ of the Breast
Major Illness
- Systemic Lupus Erythematosus with Lupus Nephritis
- Rheumatoid Arthritis
- Severe Osteoporosis
- Surgical Procedure
- Mastectomy
- Breast Lumpectomy
- Breast Reconstructive Surgery
- Radical Vulvectomy
- Wertheim’s Operation
- Complicated Repair of Vaginal Fistula
- Total Pelvic Exenteration
- Hysterectomy
- Cardiac Ailments and Procedures
- Heart Valve Repair
- First Heart Attack of Specified Severity
- Open Chest CABG
- Coma of Specified Severity
- Balloon Valvotomy or Valvuloplasty
- Stroke Resulting in Permanent Symptoms
- Angioplasty
- Insertion of Pacemaker
Critical Illnesses
| 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) |
Waiting Period of the Women Suraksha Plan
- There is a waiting period of 90 days and 180 days as it is specified in the policy wordings related to a particular disease.
- 1 year waiting period for pregnancy and new born complications.
- 4 years waiting period for any pre-existing illness.