HDFC ERGO Maxima Health

HDFC ERGO Maxima Health benefits

• Key features of Maxima Health

  • This policy covers persons in the age group 91 days onwards. The maximum entry age is 65 years.
  • There is no maximum cover ceasing age in this policy.
  • The policy will be issued for a period of 1 year
  • This policy can be issued to an individual and/or family. The family coverage in on floater basis and the coverage will be available for two members & two adults + upto 2 children.
  • The premium under floater coverage will be charged on the age of the eldest insured member
  • The family includes spouse, dependent children and dependent parents.

• What’s Included under HDFC ERGO Maxima Health Insurance?

  • Day Care Procedures
  • Pre-hospitalisation Cover
  • Post-hospitalisation Cover
  • Hospitalisation Expenses
  • Road Ambulance Cover
  • Organ Donor Expenses
  • Newborn baby
  • Maternity Expenses
  • Daily Cash for choosing shared accommodation
  • Domiciliary Treatment
  • Daily Cash for accompanying an Insured Child

• Benefits of HDFC ERGO Maxima Health Insurance

  • Out-patient Consultations - Out-patient consultations by a general Medical Practitioner(s) or a specialist Medical Practitioner(s).
  • In-patient Treatment - Covers hospitalisation expenses for period more than 24 hrs.
  • Pre-Hospitalisation - Medical Expenses incurred in 30 days before the hospitalisation, can be increased to 60 days if claim is intimated 5 days before hospitalisation.
  • Post-Hospitalisation - Medical Expenses incurred in 60 days after the hospitalisation, can be increased to 90 days if claim is intimated 5 days before hospitalisation.
  • Day-Care procedures - Medical Expenses for 140 listed Day care procedures.
  • Domiciliary Treatment - Medical Expenses incurred for availing medical treatment at home which would otherwise have required hospitalisation.
  • Daily Cash for choosing shared accommodation - Day by day money sum whenever hospitalized in Shared convenience in Network Hospital and hospitalization surpasses 48 hrs.
  • Organ Donor - Medical Expenses for an organ donor’s treatment for organ transplantation
  • Emergency Ambulance - Upto Rs. 2,000 for each hospitalization for using emergency vehicle administration for moving Insured Person to medical clinic if there should arise an occurrence of a crisis
  • Daily Cash for accompanying an insured child - Day by day money sum for 1 going with grown-up whenever guaranteed youngster matured 12 years or less is hospitalized and hospitalization surpasses 72 hrs.
  • Maternity Expenses - Medical Expenses for maternity including pre-natal and post-natal expenses after a waiting period of 4 years.

• HDFC ERGO Maxima Health exclusions

  • War or similar situations
  • Breach of law: Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.
  • Intentional self injury or attempted suicide while sane or insane.
  • Hazardous or Adventure sports
  • Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences
  • Cosmetic or plastic surgery
  • Change of gender treatments
  • Critical Illness - Any Critical Illness within 90 days of the commencement of the policy