Women Critical Illness Comprehensive Plan

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 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 does create a road block on their path. We offer optional covers for loss of Job, Pregnancy & 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 Included?
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.

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.

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 hazards.

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.

Cardiac Ailments & Procedures
Heart ailments are 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.

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

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

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 is not eligible for coverage under your insurance policy.

Optional Covers
Pregnancy and New Born Complication Covered
Women often face complications while giving birth; we cover Disseminated Intravascular Coagulation (DIC), Ectopic Pregnancy, Molar Pregnancy and Eclampsia. Not just the mother, often the child also faces complications and needs surgeries for several congenital diseases like heart ailments, Spina Bifida, etc. In such a scenario we offer you 25% of sum insured or INR 5 Lakhs, whichever is lower.

Post Diagnostic Support
Firstly, we offer upto Rs. 10,000 for a second medical opinion, as you may not be satisfied with your first diagnosis and wish to consult another doctor for detailed review. Secondly, you also get covered for Molecular Gene Expression Profiling Testto get treatment guidance on diagnosis of any major Cancer and lastly post diagnosis assistance, to get counseling for taking measures for quick recovery, which is around Rs 3000 per session and you can take 6 such sessions.

Loss of Job
It quite possible that you may either resign or lose your job due to diagnosis in case of major illness. Under such circumstances women face financial crunch to ensure things work smoothly at your end and you are able to remain financially stable, we give 50% of monthly salary for a period of 6 months.

Waiting Period / Survival Period
90 Days Waiting Period
90 days waiting period applicable on all illnesses/Procedures categorized.

180 Days Waiting Period
180 days waiting period applicable on all illnesses/Procedures categorized.

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

7 days Survival Period
7 days Survival Period on illnesses/Procedures including Maternity Complications.

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?
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.

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.

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.

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

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

Tax Benefits
Get Tax Benefit under section 80 D.

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

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.