Health Insurance 1372 views August 25, 2020

HDFC ERGO My Health Women Suraksha Policy

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.

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Key Features of My Health Women Suraksha Policy

  1. Flexibility of Choosing the Sum Assured in the range from Rs.1 Lac to Rs.1 Crore.
  2. Option to pay the premium amount on the basis of different frequency modes.
  3. You can also cover different female family members of the family.
  4. 41 Different types of Critical illnesses are covered in this Plan.
  5. This plan can cover all the women of the family under one plan only.
  6. 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:-

  1. Self
  2. Dependent Daughter
  3. Dependent Mother
  4. Dependent Mother-in-law
  5. Grandmother
  6. Granddaughter
  7. Daughter-in-law
  8. Sister
  9. Sister-in-law
  10. 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

  1. Cancer cover of Breast, Cervix, Uterus, Fallopian Tube, Ovary, Vagina/Vulva.
  2. Other Major Cancer
  3. Carcinoma in situ of Cervix and Carcinoma in-situ of the Breast

Major Illness

  1. Systemic Lupus Erythematosus with Lupus Nephritis
  2. Rheumatoid Arthritis
  3. Severe Osteoporosis
  4. Surgical Procedure
  5. Mastectomy
  6. Breast Lumpectomy
  7. Breast Reconstructive Surgery
  8. Radical Vulvectomy
  9. Wertheim’s Operation
  10. Complicated Repair of Vaginal Fistula
  11. Total Pelvic Exenteration
  12. Hysterectomy
  13. Cardiac Ailments and Procedures
  14. Heart Valve Repair
  15. First Heart Attack of Specified Severity
  16. Open Chest CABG
  17. Coma of Specified Severity
  18. Balloon Valvotomy or Valvuloplasty
  19. Stroke Resulting in Permanent Symptoms
  20. Angioplasty
  21. Insertion of Pacemaker

Critical Illnesses

EncephalitisDeafnessBlindnessBenign Brain Tumour
Muscular DystrophyMyelofibrosisMajor Head TraumaLoss of Speech
CardiomyopathyAplastic AnaemiaEnd-Stage Liver FailureEnd-Stage Lung Failure
Parkinson’s DiseaseElephantiasisAlzheimer's DiseaseTerminal Illness
Apallic SyndromePheochromocytomaBacterial MeningitisCrohn's Disease
Creutzfeldt-Jakob Disease (CJD)Severe Ulcerative ColitisEisenmenger's SyndromeFulminant Hepatitis
Permanent Paralysis of LimbsProgressive Supranuclear PalsyProgressive SclerodermaBrain Surgery
Multiple Sclerosis with persisting symptomsOther serious coronary artery diseasesDissecting Aortic AneurysmMedullary Cystic Disease
Surgery of AortaKidney failure requiring regular dialysisInfective Endocarditis and Chronic Relapsing PancreatitisMajor Organ/Bone Marrow Transplantation
HIV due to blood transfusion and occupationally acquired HIVMotor Neurone Disease with permanent symptomsPrimary (Idiopathic) Pulmonary HypertensionChronic Adrenal Insufficiency (Addison's Disease)

Waiting Period of the Women Suraksha Plan

  1. There is a waiting period of 90 days and 180 days as it is specified in the policy wordings related to a particular disease.
  2. 1 year waiting period for pregnancy and new born complications.
  3. 4 years waiting period for any pre-existing illness.

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