My:Health Women Suraksha Policy

Coverage Details of HDFC Ergo My:Health Women Suraksha

The plan offers all-inclusive coverage encompassing treatments that can be financially demanding. Here are the coverage aspects:

• Cancer Cover: Malignant Cancer Cover for Breast, Cervix, Uterus, Fallopian Tube, Ovary, Vagina/Vulva. Other Major Cancer, Carcinoma in Situ of Cervix, Carcinoma in Situ of Breast.
  • Waiting Period: 90 Days; Carcinoma In Situ (Breast, Cervix): 180 Days.
• Major Illness Cover: Systemic lupus erythematosus with lupus nephritis, rheumatoid arthritis, severe osteoporosis.
  • Waiting Period: 90 Days; Severe Osteoporosis: 180 Days.
• Surgical Procedure: Breast lumpectomy, mastectomy, breast reconstructive surgery, Wertheim's operation, radical vulvectomy, total pelvic exenteration, complicated repair of a vaginal fistula, hysterectomy.
  • Waiting Period: 180 Days.
• Cardiac Ailment and Procedures: Open chest CABG, heart valve repair, first heart attack of specified severity, coma of specified severity, stroke resulting in permanent symptoms, balloon valvotomy or valvuloplasty, angioplasty, insertion of pacemaker.
  • Waiting Period: 90 Days; Balloon Valvotomy, angioplasty, insertion of pacemaker: 180 Days.
• Assault and Burn Injury Cover: If the insured suffers bodily injury resulting in death or permanent or total disablement. In case of assault or any bodily injury resulting in second or third-degree burns, coverage is provided after a certain waiting period.
  • Waiting Period: 90 Days.
• Critical Illness Cover: 41 Critical Illness Cover.
  • Waiting Period: 90 Days.

Benefits of HDFC Ergo My:Health Women Suraksha

The plan is exclusively crafted for women, keeping all their unique requirements in mind:

• Comprehensive Medical Expenses

The plan offers overall coverage for hospitalization due to illness, including mental healthcare. It also covers room rent, ICU charges, diagnostic procedures, consultation fees, and more.

• Healthcare at Home

In situations where the patient requires healthcare at home, the plan provides cashless coverage for domiciliary hospitalization.

• Pre and Post-Hospitalization

The cover extends to medical expenses incurred 60 days before hospitalization and 180 days after discharge.

• Day Care Procedures

With advanced medical treatment, patients are no longer required to stay long at the hospital. This plan covers medical expenses for various daycare procedures.

• Alternative Treatment

Considering the growing interest in alternative treatments such as AYUSH (Ayurveda, Unani, Siddha, and Homoeopathic Treatments), My:Health Women Suraksha covers these alternative treatments.

• Renewal Benefits

The plan offers preventive health checkups at renewal and fitness discounts at renewals.

• Survival Period

The plan provides a survival period of 7 days.

Other Policy Details

• **Eligibility:**
  • Age: Minimum 18 years, Maximum: Not Applicable
  • Type of Policy: Individual/Family Floater
  • Policy Period: 1/2/3 Years
  • Add-On Covers: Optional Unlimited Restore
  • Premium Tiers: Premium calculated based on Tier 1 and Tier 2 Cities
• **Discounts:**
  • Family Discount: 10% for covering 2 or more eligible family members.
  • Loyalty Discount: For customers with multiple active policies.
  • Long-term Policy Discount: Discounts for 2 or 3-year policies.
  • Floater Discount: 50% discount on all members, except the oldest member.
• **Covered Persons:**
  • Self, Grandmother, Granddaughter, Sister, Sister-in-law, Niece, Daughter-in-law.
  • Dependent Individual: Daughter, Mother, Mother-in-law.