Explore my:health Women Suraksha Insurance

Minimum and maximum entry age to get covered under my:health women Surkasha is 18 & 45 years respectively for basic covers, and 18 and 40 years respectively for optional Pregnancy & New-born Complications cover.

Almost all the ailments that are more common in women are covered in this product under various plans. These include Cancer, Rheumatoid Arthritis, Osteoporosis, Cardiac ailments, major surgeries and 41 critical illnesses.

Pregnancy is not covered, but Pregnancy and New-born baby complications are available as an optional cover on payment of additional premium.

Yes, my:health Women Suraksha is available in 1, 2 & 3 year policy tenure options.

Yes. Being a benefit policy, there is no territorial limit. The policy has a worldwide scope.

Policy which pays in lump-sum amount at time of claim are called as benefit policy. My:health Women Suraksha is a benefit policy, because, in case the Insured is diagnosed with an illness (which is part of the plan opted) and Insured survives for 7 days from the date of diagnosis, then, lump-sum amount (partial or full) is settled based on the disease category the ailment is listed under.

Survival period is the minimum number of days that the Insured has to survive post diagnosis of illness as per the plan opted, for claiming under the policy. Traditionally, survival period of any critical illness policy has been 30 days. However, survival benefit for my:health Women Suraksha is only 7 days.

1. The illness are categorised into 2 broad types, namely Minor & Major condition.

2. In case claim is admissible under any of the Minor condition as listed in the policy, then claim amount to an extent ie eg: 25% of sum insured upto a maximum of Rs 10 Lacs is paid. The balance sum insured is carried forward at the time of renewal. Not just that, the renewal premium is also waived off by 50% for 5 subsequent renewals.

3. The balance Sum Insured carried forward is eligible for any Major condition claim in the future.

Only one Claim is payable under each of the stages given below during lifetime of the Policy.

Minor Stage : On the admissibility of Claim under Minor Stage condition under the Policy, coverage for all other Minor stage Conditions shall cease to exist. The Policy shall continue to Cover Major Stage condition for balance sum insured.

Major Stage: On the admissibility of claim under major stage condition, coverage under the policy ceases to exist.

Today women equally take part in sharing financial needs of the family. In case they have to leave their salaried job due to any critical illness, then LOJ cover ensures that their family’s basic financial needs are met, EMIs are not defaulted etc while the lump-sum benefit takes care of their medical treatment. It provides a breather in times of distress.

Insured person has to be a full time salaried employee at time of policy inception. 2. Sum Insured for Loss of Job cover is calculated based on Insured person's monthly salary. It is 50% of the monthly salary for 6 months or base sum insured, whichever is less.

Insured Person will be entitled for preventive health check-up after every renewal of the policy with Us, at our network diagnostic centers or hospitals, as per list of tests and eligibility criteria upto 60 days of renewal policy start date.

When one is diagnosed with a Critical Illness especially Cancer, the treatment has to be managed meticulously. Post Diagnosis Support cover offers the following support: 1. A second medical opinion for you to be doubly sure of the diagnosis and treatment planned. 2. Post-diagnosis assistance to help you financially towards outpatient counselling for maximum of 6 sessions. Benefit under this cover is applicable up to Rs. 3000/- per session. 3. Molecular Gene Expression Profiling tests to help predict one's risk of cancer recurrence, help doctors determine who may benefit from additional (adjuvant) treatment after surgery. Can be Availed once during the policy period and the benefit amount payable shall not exceed Rs. 10,000.

You can change the plan & sum insured at the time of renewal subject to no claim under the policy and applicable underwriting guidelines.

Those who have opted for post-diagnosis support optional cover, are eligible for 'Molecular Gene Expression Profiling Test' in case they are diagnosed with Cancer and an admissible claim is made under the policy. Molecular Gene Expression Profiling Test is widely used to determine treatment protocol for Breast Cancer which is the most frequent type of Cancer amongst women in India.

Expenses incurred towards second Medical Opinion availed from Medical Practitioner in respect of Critical Illness/Medical Procedure covered under the Policy subject to;
• Benefit under this cover can be claimed only Once in the Policy Period.
• The maximum benefit under this cover shall not exceed Rs. 10,000

Yes, tax benefit under section 80D can be availed under this policy.

While buying an online policy for my:health Women Suraksha you can choose between 3 lacs to 24 lacs, however if you wish to go for a higher sum insured then kindly visit our nearest branch.