HDFC ERGO Health Insurance for Maternity

HDFC ERGO Health Insurance for Maternity

HDFC ERGO Health Insurance for maternity provides coverage for hospitalization expenses incurred during pregnancy, including delivery charges. It not only covers the mother but also the newborn baby’s treatment and vaccination. However, policyholders can avail maternity coverage after serving a minimum waiting period of 4 years.

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HDFC ERGO Health Insurance Plans for Maternity

The following table provides the list of HDFC ERGO health insurance plans that offer maternity benefit:

Eligibility Criteria for HDFC ERGO Health Insurance for Maternity

Check out the eligibility criteria to buy an HDFC ERGO health insurance plan for maternity:

Key Benefits of HDFC ERGO Health Insurance for Maternity

Here are the key benefits of purchasing an HDFC ERGO health insurance plan for maternity:

• No pre-policy medical tests are required for up to 45 years
• Up to 10% fitness discount on renewal premiums is available on achieving the fitness goal
• 5% online discount is available
• Up to 10% long-term discount is available
• Up to 10% family discount is available
• Preventive health check-up benefit is available at regular intervals
• 10% loyalty discount is available
• Up to 50% family discount is available
• Cumulative bonus is granted to the policyholder at every claim-free year
• Tax benefits can be availed on the HDFC ERGO health insurance for maternity cost as per the Income Tax Act, Section 80D

Inclusions of HDFC ERGO Health Insurance for Maternity

HDFC ERGO health insurance for maternity includes the following coverage:

• Delivery expenses, including caesarean deliveries
• Lawful medical termination of pregnancy
• Pre-natal and post-natal expenses
• Newborn baby treatment
• Infertility treatment
• Newborn baby vaccination expenses

Note: The above inclusions may vary from one maternity plan to another.

Exclusions of HDFC ERGO Health Insurance for Maternity

The following medical expenses are not covered by HDFC ERGO health insurance for maternity plans:

• Pre-hospitalization and post-hospitalization expenses
• Ectopic pregnancy
• Treatment for impotency
• Surrogate pregnancy
• Voluntary termination of pregnancy
• Congenital external defects
• Stem cell harvesting
• Contraceptive supplies
• Non-medical expenses

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