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Home / Health Insurance / my:health Women Suraksha Insurance / Women Cancer Plan
  • Introduction
  • What's included?
  • What's not included?
  • Why Choose HDFC ERGO?
  • FAQs

Women Cancer Plan

Cancer can affect women during any phase of life. Today, when women have shouldered equal responsibilities, it has become crucial ensure a financial back-up to battle against this dreadful disease if it occurs. To ensure protection and complete cover for cancer treatment, HDFC ERGO has come up with Cancer Plan under my:health Women Suraksha to ensure you have the financial shield ready to fight against the disease with the help of quality medical treatment and utmost care. Though Cancer does affect the mental, physical and emotional state tremendously, with a this insurance cover at least your finances are taken care off.

Reasons to choose Women Cancer Plan

Women Specific Cancer Covered
Don’t let this dreadful disease deter you from achieving milestones in life. We not only cover major malignant cancer but also cover cancer while it is at the in-situ or initial stage for cervix uteri and breast.
Other Major Cancer Covered
Cancer in all form affects you and brings life to standstill. Hence, we not only cover you against women related cancer but also against most of the common cancer, to ensure you are covered totally.
Self Empowering Optional Covers
What stops women from achieving life goals, has to be dealt carefully to ensure it doesn’t create a road block on their path. We offer optional covers for loss of Job, Pregnancy and New-born baby complications, and Post-diagnosis support.
Uninterrupted Policy Continuation
Worried? 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’s Included?

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Women Specific Cancer

When cancerous cells start multiplying and spread to other tissues in your body it’s referred to as Malignant Cancer. We offer 100% sum insured for all such women specific cancer. Know More...

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Carcinoma in Situ

When abnormal growth of tissues remain localized and has not spread to the other organs or tissues of the body, which usually termed as carcinoma in-situ, this stage can be dealt effectively with medication and treatment. We cover you at this stage as well.Know More...

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Other Major Cancers

Providing a holistic cover for cancer all under one plan, Women Suraksha Cancer Plan offers 100% of sum insured for other major cancers other than women specific cancer to ensure you have the finances to get quality medical attention and a swift recovery.

What does Critical illness insurance not cover?

Adventure Sport injuries
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
Self-inflicted injuries

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

War
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
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
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

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Waiting Period / Survival Period

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90 Days Waiting Period

90 days waiting period applicable on all illnesses/Procedures categorized as “Major”.

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180 Days Waiting Period

180 days waiting period applicable on all illnesses/Procedures categorized as “Minor”

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1 year Waiting Period

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

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7 days Survival Period

7 days Survival Period on illnesses/Procedures including Maternity Complications

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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?

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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.

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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.

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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.

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Lifetime renewability

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

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Free Preventive Health Check-up

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

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Tax Benefits

Get Tax Benefit under section 80 D.

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Wellness Coach

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

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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.

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Why choose HDFC ERGO General Insurance?

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Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
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All the support you need-24 x 7
Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
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All the support you need-24 x 7
Transparency In Every Step!
Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
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All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
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All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
Go Paperless!
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods.
Why HDFC ERGO?
Secured Over 1.6 Crore+ Smiles!

Secured Over 1.6 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
All the support you need-24 x 7

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Transparency In Every Step!

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Integrated Wellness App.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Go Paperless!

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox.

What's more?

 
Women Cancer Plus Plan
Women Cancer Plus Plan
Covers cancer + major illness
Women Essential Plan
Women Essential Plan
Covers major surgeries + cancer
Women Critical Illness Comprehensive Plan
Women Critical Illness Comprehensive Plan
For life threatening ailments

Frequently asked questions

1. Is there any entry age limit for getting covered under my:health Women Suraksha?

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.

    1. 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.
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