HDFC ERGO Maxima Health Insurance Plan

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      HDFC ERGO Maxima Health Insurance Plan

      HDFC ERGO Maxima Insurance is a unique health plan that provides coverage to the policyholder and his/her dependent family members. The insurer recompenses the expenses incurred on hospitalization within India, dental treatment as well as out-patient treatment expenses among others. Moreover, the insured can claim up to 4-doctor consultations during the policy term.

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      HDFC ERGO Maxima Health Insurance Plan: Key Benefits

      HDFC ERGO MAXIMA INSURANCE PLAN
      Categories Specifications
      Sum Insured Up to Rs. 3 Lakhs
      Policy Tenure 1 year
      Network Hospitals 12000+
      Incurred Claim (2021-22) 97.47%
      Pre-policy Medical Check-Up May be required
      Pre-Existing Disease Waiting Period 3 years
      Specific Disease Waiting Period 2 years
      Initial Waiting Period 30 days
      Discounts 10% Family Discount

      Benefits of HDFC ERGO Maxima Health Insurance Plan

      The following are the benefits of purchasing the HDFC ERGO Maxima Insurance Plan:

      • In-Patient Hospitalization Cover - The HDFC ERGO Maxima Insurance Plan provides the insured with in-patient hospitalization benefits. These include room rent, nursing ICU charges, medical practitioner fees, medical supplies and medicines, nursing and other related costs.
      • Pre-Hospitalisation - The policy covers medical expenses before the hospitalization begins. The costs incurred will be paid 60 days before hospitalisation by showcasing medical documents related to the health condition and the hospitalisation date, time and location.
      • Post-Hospitalisation - Through the HDFC ERGO Maxima Insurance Plan, any medical expenses occurring within 60 days of the discharge of the insured individual will be paid. It is done concerning the condition for which the individual was hospitalised and after the medical documents stating the illness, date and location of the hospitalisation have been submitted.
      • Daily Cash for Shared Accommodation - HDFC ERGO Maxima Insurance Plan provides the insured individual with a per day cash amount ranging from Rs. 500 to a maximum of Rs. 3000. It is possible only when the individual is placed in a shared hospital accommodation for 24 to 48 hours.
      • Maternity Expenses - The policy will offer coverage of a minimum of Rs. 300 (per day) to a maximum of Rs. 9000 for all medical expenses at the time of delivery, both regular and caesarean. The benefits are also offered at the time of a medical termination of a pregnancy. Additionally, the maternity expenses benefit would offer coverage for both prenatal and post-natal expenses and termination up to the amount mentioned in the policy wording.
      • Domiciliary Treatment - HDFC ERGO Maxima Insurance Plan also offers individuals benefits for any medical treatments at home. It is done only when the individual cannot go to the nearest medical facility due to the unavailability of beds or on the medical practitioner's advice.

      HDFC ERGO Maxima Insurance Plan Eligibility Criteria

      HDFC ERGO MAXIMA HEALTH INSURANCE PLAN
      Parameters Eligibility Criteria
      Minimum Entry Age Adult -NA
      Child - 91 Days
      Maximum Entry Age Adult - 65 years
      Child - NA
      Coverage Type 1 member, 2 members, 2 Adults + Up to 2 Children
      Renewability Lifelong

      Inclusions of HDFC ERGO Maxima Health Insurance Plan

      All the inclusions provided under the HDFC ERGO Maxima Insurance Plan has been mentioned as follows:

      • Inpatient Consultations - The policy offers coverage for any expenses incurred at during in-patient consultation.
      • Outpatient Consultations - It covers for the expenses incurred on outpatient consultation.
      • Domiciliary Hospitalisation - The policy covers any serious medical treatment or medication availed at home.
      • Ambulance services - It ensures that the expenses for ambulance services are covered up to a sum of Rs. 2000.

      Exclusions of HDFC ERGO Maxima Health Insurance Plan

      The following are the exclusions under the HDFC ERGO Maxima Insurance Plan:

      • Expenses caused due to diseases like HIV/AIDS or related health issues.
      • Health issues caused due to the consumption of addictive substances.
      • Treatment of injuries caused due to self-inflicted injuries.
      • Any treatment done with non-allopathic medication.
      • Illnesses arising due to acts of war, nuclear, chemical or biological radiation.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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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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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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