Q1. Is HDFC ERGO Maxima a good health plan?

Ans: Yes. The HDFC ERGO Maxima Insurance is a good health option as it provides all-inclusive coverage of several illnesses and health conditions within India.

Q2. Does HDFC ERGO Maxima Health Plan provide cashless benefits?

Ans: Yes. The HDFC ERGO Maxima Plan provides insured with cashless benefits at nearly 12,000+ empanelled hospitals all over India.

Q3. Are there any benefits of purchasing an HDFC ERGO Maxima Health Insurance Plan?

Ans: Yes. Some of the benefits of purchasing HDFC ERGO Maxima Insurance Plan are no claim bonus, cashless hospitalization, preventive health check-up and tax savings under Section 80D of the Income Tax Act.

Q4. Does the HDFC ERGO Maxima Plan provide cover for dental treatment?

Ans: Yes, the HDFC ERGO Maxima Insurance plan provides coverage for any form of dental treatment undertaken as a part of its specialist services.

Q5. What is the limit for doctor consultations under the Maxima Insurance Plan?

Ans: Any insured individual who has purchased the HDFC ERGO Maxima Insurance Plan can avail up to 4 consultations within a year. Apart from this, the scope of doctor consultations will increase according to the number of people covered under HDFC ERGO Maxima Insurance Plan.

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.

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

Q1. Is HDFC ERGO Maxima a good health plan?

Ans: Yes. The HDFC ERGO Maxima Insurance is a good health option as it provides all-inclusive coverage of several illnesses and health conditions within India.
Q2. Does HDFC ERGO Maxima Health Plan provide cashless benefits?

Ans: Yes. The HDFC ERGO Maxima Plan provides insured with cashless benefits at nearly 12,000+ empanelled hospitals all over India.
Q3. Are there any benefits of purchasing an HDFC ERGO Maxima Health Insurance Plan?

Ans: Yes. Some of the benefits of purchasing HDFC ERGO Maxima Insurance Plan are no claim bonus, cashless hospitalization, preventive health check-up and tax savings under Section 80D of the Income Tax Act.
Q4. Does the HDFC ERGO Maxima Plan provide cover for dental treatment?

Ans: Yes, the HDFC ERGO Maxima Insurance plan provides coverage for any form of dental treatment undertaken as a part of its specialist services.
Q5. What is the limit for doctor consultations under the Maxima Insurance Plan?

Ans: Any insured individual who has purchased the HDFC ERGO Maxima Insurance Plan can avail up to 4 consultations within a year. Apart from this, the scope of doctor consultations will increase according to the number of people covered under HDFC ERGO Maxima Insurance Plan.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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