HDFC ERGO Maxima Health Insurance Wordings

Yes. Maxima Policy covers you for dental treatment, contact lenses, and spectacles, up to a certain limit, as a part of specialist services. 

Maxima Policy covers you for a sum insured of Rs. 3 Lakh that includes in-patient treatment, pre-hospitalisation and post-hospitalisation expenses, daycare procedures, domiciliary treatment, daily cash in case of shared accommodation, etc. The policy also covers you for emergency ambulance expenses, organ donor expenses, daily cash for accompanying the insured child, care for a newborn, and maternity expenses.

Yes. You can avail tax benefits on the premium paid for Maxima Policy, under Section 80D of the Income Tax Act, 1961. 

Yes. If one member is covered under the Maxima Policy, then he/she can avail up to 4 consultations per policy year; if two members are covered under the Maxima Policy, then he/she can avail up to 6 consultations per policy year; whereas if 2 adults+up to 2 children are covered under the policy, then up to 8 consultations can be availed.