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Optima Lite Health Insurance Plan
- Affordable premiums
- Unlimited restore benefit
- No disease-wise sub-limits
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HDFC ERGO Health Insurance
My:Health Women Suraksha Policy
HDFC My:Health Women Suraksha is a comprehensive policy designed to ca ...Read More
Up to 2 Cr
Sum insured
1
No. of plans
200+
Pan India presence
95.30%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,708 reviews
🏥 15,000+ hospitals
📊 2.00 solvency ratio
✅ 95.30% claim settlement
The policy offers robust coverage including cancer, major illness, cardiac ailments, assaults, burns, and more, ensuring holistic protection beyond traditional health insurance. It provides multiple sum insured options and coverage for all women.
Why We Recommend This:
* Second medical opinion for critical illnesses
* Covers up to 9 insured members under a family floater
* Avail women's special wellness benefits
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 years
Plan type
Women Health Insurance
Sum insured options
₹1 L, ₹10 L, ₹25 L, ₹50 L, ₹1 L
Waiting period
90 days
Renewability
Lifelong
Policy term
1/2/3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Lifetime renewal
- Wellness Incentives
- Add-On Coverage
Cons
- Obesity or weight control
- Cosmetic surgeries
- Maternity cover
- Change of gender treatment
What's covered
A quick look at what this plan covers — and what it doesn't.
Hospitalization
- Room rent Not covered
- ICU charges Not covered
- Pre-hospitalization Not covered
- Post-hospitalization Not covered
- Domiciliary hospitalization Not covered
- Day-care treatment Not covered
- OPD charges Not covered
- Covid-19 treatment Not covered
- Cataract Not covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Not covered
- Air ambulance Not covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Covered
Conditions & global
- Co-payment Not Applicable
- Sub-limits Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
HDFC ERGO Health Insurance
HDFC ERGO video starts with an overview of HDFC ERGO, detailing its history, mission, and market position.
HDFC ERGO Health Insurance Network Hospital List
HDFC ERGO Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, HDFC ERGO Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry age: 18 to 65 years
- Sum insured: 1 Lakh to 1 Crore
- Policy term: 1/2/3 years
Frequently Asked Questions
The 3 most-asked questions about My:Health Women Suraksha Policy, answered.
Yes, the policy covers for loss of a job.
The waiting period for pregnancy complications coverage under my: health Women Suraksha plan is 1 year.
Yes, you can add a family member to the policy. The plan allows coverage for all women in the family under a single policy.
Conclusion
A women-focused plan covering major illnesses and surgeries with useful add-ons, but benefits depend
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Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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