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.

• No maximum age for renewals
• Maternity expenses covered after 4 years
• Covers out-patient expenses like costs for dental treatment, spectacles etc
• Pre, post and in-hospitalisation expenses covered
• Pays for 140 day care procedures that do not require hospitalisation
• Covers domiciliary expenses which are medical costs incurred for treatments taken at home.
• Organ donors’ 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
• 140 day care procedures (which do not require 24 hr hospitalisation
• Domiciliary treatment costs
• Organ donor’s treatment costs
• Maternity expenses which include pre-natal and post-natal costs after waiting period of 4 yrs
• Daily cash expenses on shared accommodation
• Outpatient costs covering diagnostic tests, cost of medicines, spectacles, contact lenses, dental treatment

• Annual health check-up for the insured person
• Emergency ambulance costs up to Rs 2,000 covered
• Optional coverage for newborn baby
• Daily cash provided on shared accommodation for hospitalisation  more than 48 hours
• Daily cash for accompanying insured child
• Cumulative bonus of 10% for every claim-free year

• Self
• Spouse
• 2 dependent children

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

• 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