HDFC ERGO Health Insurance for Maternity

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      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:

      Name of the Plan Delivery Expenses Limit Maternity Waiting Period
      HDFC ERGO my:health Suraksha Plan Rs 15,000 to Rs 40,000 4 years
      HDFC ERGO Easy Health Insurance Plan Rs 15,000 to Rs 50,000 4 years/ 6 years
      HDFC ERGO Maxima Insurance Plan Rs 15,000 to Rs 25,000 4 years

      Eligibility Criteria for HDFC ERGO Health Insurance for Maternity

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

      Categories Eligibility Criteria
      Minimum Entry Age 18 years
      Maximum Entry Age 65 years
      No age limit (For my:health Suraksha plan)
      Renewability Lifetime

      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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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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