HDFC ERGO Women Cancer Plus plan

HDFC ERGO Women Cancer Plus Plan - cover you against cancer along with major illnesses.

Key Features of HDFC Ergo Women Cancer plus insurance

• Policy exclusively designed for today’s Women, which looks beyond her health insurance needs and ensures her well being
• Multiple sum insured options ranging from Rs. 1 Lac to Rs. 5 Crs available under this policy.
• Coverage for all the women in the family under the single policy
• Comprehensive policy with coverage for all women specific major illnesses and surgeries
• Wellness features like Fitness discount@ renewal, Health Coachetc for maintenance of good health
• Various discount offered like family discount, long term policy discount, loyalty discount
• Long term policy options 0f 1 year / 2 years / 3 years
• Option to pay premium in yearly, half yearly, quarterly and monthly instalments.

Expenses Covered under Women Cancer plus insurance

• Pre & Post Hospitalization Expenses
  This policy will cover all the pre-hospitalization expenses (upto 30 days) and post-hospitalization expenses (upto 60 days) following an emergency illness or accidental injury.
• ICU Charges
  The Arogya Sanjeevani policy pays ICU/ICCU expenses be provided up to 5% of sum assured or a maximum of ₹10,000 per day.
• Room Rent
  It covers the room rent of the hospital to up to a maximum of ₹5,000 per day.
• Ambulance Services
  It covers the cost of ambulance services up to a maximum of ₹2000 per hospitalization.
• Cataract Surgery
  It also covers the cost of cataract surgery upto a maximum of ₹40,000 or 25% of the sum insured amount, whichever is less for each eye.
• Coronavirus (COID-19) Expenses
  It covers any expenses incurred on hospitalization/treatment due to contracting COVID-19 or coronavirus disease.
• AYUSH Treatment
  AYUSH treatments are covered at recognised medical centres. (AYUSH means all treatments related to Ayurvedic, Yoga, and Naturopathy, Unani, Siddha, Homeopathy).
• New Age/ Modern Treatment
  This policy also covers the cost of modern/ new age treatment up to a maximum of 50% of the sum insured amount. The list of illnesses are in the table above.

General HDFC Ergo Exclusions applicable to Cancer Cover

• 48 months waiting period shall apply for all Pre-existingConditions declared and/or accepted at the time of applyingfirst policy with us
• Treatment directly or indirectly arising from or consequent uponwar or any act of war, invasion, act of foreign enemy, war likeoperations (whether war be declared or not or caused duringservice in the armed forces of any country), civil war, publicdefence, rebellion, revolution, insurrection, military or usurpedacts, nuclear weapons/materials, chemical and biologicalweapons, radiation of any kind.
• Any Insured Person committing or attempting to commit abreach of law with criminal intent, or intentional self-injury orattempted suicide while sane or insane.
• Participation or involvement of an Insured Person in naval,military or air force operation, racing, in a professional or semiprofessional nature
• From engaging in or participation in adventure sports includingbut not limited to winter sports, skydiving/parachuting, hanggliding, bungee jumping, scuba diving, mountain climbing(where ropes or guides are customarily used), riding or drivingin races or rallies using a motorized vehicle or bicycle, caving orpot-holing, hunting or equestrian activities, skin diving or otherunderwater activity, rafting or canoeing involving white waterrapids, yachting or boating outside coastal waters, participationin any Professional Sports, any bodily contact sport or any otherhazardous or potentially dangerous sport for which the Insuredis untrained, unless specifically covered under the Policy;
• Abuse or the consequences of the abuse of intoxicants orhallucinogenic substances such as intoxicating drugs andalcohol including smoking cessation programs and thetreatment of nicotine addiction or any other substance abusetreatment or services, or supplies

Claims documents for Cancer Cover

• Claim Form duly signed by the Insured Person
• Copy of Discharge Summary / Discharge Certificate
• First consultation letter from treating Medical Practitioner
• Medical certificate confirming diagnosis, and the treatment from Medical Practitioner
• Certificate from treating Medical Practitioner, specifying the duration and etiology
• OT Notes in case of Surgery
• Medical certificate from treating Medical Practitioner specifying the diagnosis and need for the surgery
• MLC/FIR copy/ certificate regarding abuse of Alcohol/intoxicating agent if applicable
• All pathological and radiological Investigation Reports We may require the Insured Person to undergomedical examination by Medical Practitioner authorized by Us to obtain an independent medical opinion forthe processing of the claim. Any cost towards such a medical examination will be borne by Us.
• NEFT details & cancelled cheque