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HDFC ERGO Health Insurance for Woman

One of the most affordable plans by HDFC ERGO, Health Suraksha Gold is worthy health insurance for women. Offering utmost care and financial security, Health Suraksha Gold provides complete coverage for pre and post-delivery expenses as well as it provides coverage for the newborn as well. To ensure that women do not compromise on their health insurance needs, the plan comes with a wide range of sum insured. That’s not all! There is a series of benefits that it has to offer. ​

Key Features of HDFC Health Insurance for Woman

  • Vast sum insured options - Rs. 3 Lakh to Rs. 10 Lakh
  • 9,000+ network hospitals for cashless treatment
  • Maternity expenses (maximum up to Rs. 15,000 for normal and Rs. 25,000 for C-section delivery)
  • Medical expenses of the newborn covered (up to 90 days)
  • Lifelong renewability
  • No room rent sub-limits
  • No disease sub-limit
  • E-opinion for critical illness, etc.​

Scope of Coverage ​Under HDFC Woman Health Insurance

  • In-patient treatment covered
  • 60 days pre-hospitalization covered
  • 90 days post-hospitalisation covered
  • Integrated wellness services
  • Convalescence benefit covered
  • 144 daycare procedures
  • Organ donor expenses covered
  • Emergency ambulance expenses, and others

HDFC Woman Health Insurance Eligibility

There is no maximum entry age limit to purchase HDFC ERGO's Health Suraksha Gold insurance plan. Any individual who is 91 days onwards can invest in the policy. However, children below 5 years can be covered only if both parents are covered under Health Suraksha.


  • Treatment of Obesity or Cosmetic Surgery
  • Participation in defense operations
  • Self-inflicted injuries
  • Adventure Sport injuries
  • War injuries & illnesses, and others

Are you interested in exploring more about Health Suraksha Gold policy? Kindly refer to the Policy Wording to gain detailed information. You can also get your plan-related queries resolved at InsuranceDekho by initiating contact at 1800-1205-698.

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Health Insurance News


  • Does HDFC Ergo offer hospitalisation coverage delivering baby via normal and cesarean?

    Yes, at HDFC Ergo you can avail in-patient hospitalisation benefit for both normal and cesarean.

  • What benefits does HDFC Ergo offer under its women-centric health insurance plans?

    Some of the common benefits covered under HDFC Ergo's plans for women include:

    • No entry age restriction.
    • Maternity benefit along with newborn baby cover.
    • Lifelong renewability.
    • Free health check-ups on completing 4 claim-free years.
    • Tax savings up to Rs. 60,000 under Section 80D of the Income Tax Act, 1961.
  • What are the sum insured options offered by HDFC Ergo under its maternity coverage?

    Under its Health Suraksha Gold plan, HDFC Ergo offers maternity sum insured Rs. 15,000 for normal delivery, Rs. 25,000 for C-section, and Rs. 15,000 for termination of pregnancy.

    Under my: health Medisure Classic, maternity sum insured for normal delivery is maximum 10% of sum insured or Rs. 20,000, max 20% of sum insured or Rs. 40,000 for C-section, and max 10% of sum insured or Rs. 20,000 for termination of pregnancy. 

  • Are there any health insurance plans by HDFC Ergo that cover the specific needs of women?

    At HDFC Ergo, women can get themselves covered for maternity without any hassle. Health Suraksha Insurance Gold and my:health Medisure Classic Insurance are plans that cover maternity expenses. 

  • Who should buy HDFC ERGO woman health insurance plan?

    HDFC ERGO woman health insurance plan is for every woman who wants to secure her and her family's health against high medical bills incurred during any unexpected medical emergency situation. 

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