HDFC Ergo Health Maxima Insurance Plan

This policy will take care of you and your family for unforeseen hospitalisation expenses as well as day care procedures that do not require 24 hr hospitalisation. It pays for treatments taken at home and also covers out-patient costs like expense on dental treatment, contact lens, spectacles etc.

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Cumulative bonus
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Pre and Post hospitalization
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Annual health check-up
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Key Features

No maximum age

No maximum age for renewals

Maternity expenses

Maternity expenses which include pre-natal and post-natal costs after waiting period of 4 yrs

Covers out-patient expenses

Outpatient costs covering diagnostic tests, cost of medicines, spectacles, contact lenses, dental treatment


Pre, post and in-hospitalisation

Pre, post and in-hospitalisation expenses covered

  • Pre-hospitalisation expenses for 30 days (can be increased to 60 days)
  • Post-hospitalisation expenses for 60 days (can be increased to 90 days)
  • Hospitalisation costs
Pays for 140 day care

Pays for 140 day care procedures that do not require hospitalisation

Covers domiciliary expenses

Covers domiciliary expenses which are medical costs incurred for treatments taken at home

Organ donors’ expenses

Organ donors’ expenses covered

Annual health check-up

Annual health check-up for insured person

Emergency ambulance

Emergency ambulance costs up to 2000 Rs.

Cumulative bonus

Cumulative bonus of 10% for every claim-free year


Tax Benefit


Deductions can be claimed under section 80D of the Income Tax Act for health insurance premiums up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens.


  Minimum Maximum
Coverage Amount (in Rs.) 3,00,000 3,00,000
Policy Term (in years) 1 1
Entry Age (in years) 91 days 65
Renewable till Age (in years) - No limit


  • Pre-existing diseases for first 4 yrs
  • Specific diseases for first 2 yrs
  • HIV, AIDS and related diseases
  • Abuse of drugs, alcohol, hallucinogens, intoxicant – not covered
  • War, radiation or nuclear contamination
  • Non-allopathic treatment
  • Treatments for first 30 days except in case of accidents