Max Bupa Health Insurance

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About Max Bupa Health Insurance

Max Bupa Health Insurance Company is a joint venture between True North (an Indian private equity firm), and the global healthcare services expert, Bupa. It provides health insurance plans that cover all hospitalization expenses (including COVID-19), critical care, and accident care needs. The company promotes a healthy lifestyle and eating habits with the help of rewards and allows the insured members to track their health via the 'Max Bupa Health App'.

So, Max Bupa offers a range of products and insurance policies (such as top-up insurance, senior citizen, critical illness, individual and family floater health insurance) to its customers Let's dive into the details of Max Bupa Health Insurance.

Awards And Accolades

Max Bupa Health insurance has received several awards and accolades such as:

  • The Economic Times Best Brands 2019 award
  • The Super Brand 2019 award
  • The prestigious 'Technology Maturity' award
  • Max Bupa Health App was awarded Best Tech for Health Category 2019

What are the Different Plans Offered by Max Bupa Health Insurance?

Max Bupa Health Insurance offers 12 health plans that fulfill financial needs during a medical emergency. They offer a variety of plans for individuals, families, and even offer coverage against COVID-19.

Here is a list of 12 plans offered by Max Bupa that will help you narrow down your selection:

Max Bupa Plans Type of Plan Why should you buy?
Max Bupa Health Companion PlanFamily Health InsuranceMax Bupa Health Companion plan provides protection to you and your entire family's health.
The company also provides a Family First plan, which is suitable for a joint family.
Max Bupa Health Premia Insurance PlanFamily Health InsuranceMax Bupa Health Premia is a comprehensive health insurance plan that covers all the health needs of you and your family.
This plan is available in three variants: Silver, Gold, and Platinum.
Max Bupa GoActive Health Insurance PlanFamily Health InsuranceThe plan offers a family cover of up to 2 adults & 4 children.
Max Bupa Money Saver PlanFamily Health InsuranceMoney Saver Plan offers personal accident and critical illness cover.
Max Bupa Heartbeat Family Health Insurance PlanFamily Health InsuranceMax Bupa Heartbeat Family Insurance Plan is a comprehensive plan providing pre- and post-hospitalization, health check-ups, and maternity benefits.
The plan is available in two variants: Gold and Platinum Plan
Max Bupa Super Saver PlanFamily Floater Health InsuranceThis plan protects you and your family and covers basic hospitalization expenses such as nursing charges, in-patient charges, etc.
Max Bupa Health Pulse Insurance PlanFamily Health InsuranceMax Bupa Health Pulse helps cover individual and family medical expenses, in addition to offering customized benefits, and rewards.
Max Bupa ReAssure Health Insurance PlanFamily Floater Health InsuranceMax Bupa ReAssure Health Insurance Plan is designed to protect you and your family's health.
Max Bupa Corona Kavach PlanCOVID-19Max Bupa Corona Kavach policy provides coverage against COVID-19.
Max Bupa Accident Care PlanFamily Health Insurance (Personal Accident Insurance Plan)Max Bupa Accidental Care provides coverage to the policyholder and his/her family in case of death or disability because of an accident.
Max Bupa Health Recharge PlanFamily Health InsuranceThis plan offers Coverage for Ayurvedic Treatments
Max Bupa CritiCare PlanCritical Illness Insurance PlanMax Bupa Criticare Plan protects you and your family against 20 critical illnesses.

Watch Video For Detailed Review

Max Bupa Health Insurance Plan Detailed Review

Let's discuss each plan in detail.

  1. Max Bupa Health Companion Plan

    Max Bupa Health Companion Plan is a comprehensive health insurance plan that looks after your entire family's health. Apart from the individual and family floater plans, the company also provides a Family First plan, which is suitable for a joint family, and covers up to 19 relationships.

    Key Features

    • The policy covers all types of hospitalization charges without any room capping rent charges (except for the suite or above room category).
    • Alternative treatments such as Ayurvedic, Homeopathy, Siddha, and Unani are also covered.
    • Expenses related to emergency ambulances, living organ donor transplants, and daycare procedures are covered under the policy.
    • If the policyholder has exhausted the basic sum insured, a refill benefit is given where the insured gets a reload of 100% of the sum insured. This does not apply to family first.

    Plan Details

    Plan type Variant 1 Variant 2 Variant 3
    Cover AvailableRs. 2 Lakhs - Rs. 4 lakhsRs. 5 Lakhs - Rs. 12.5 lakhsRs. 15 Lakhs - Rs. 1 Crore
    Health Check-upOnce in 2 yearsAnnual check-upAnnual Check-up
    Hospital CashUp to Rs. 1000/dayUp to Rs. 1000/dayUp to Rs. 4000/day
  2. Max Bupa Health Premia Insurance Plan

    Max Bupa Health Premia is a comprehensive health insurance plan that offers coverage against the health needs of you and your family in India as well as abroad.

    Key Features:

    • All the expenses that come under hospitalization care are covered under this policy, including Ayurvedic, Homeopathy, Siddha, and Unani treatments.
    • The policy provides worldwide maternity benefits along with benefits for the newborn baby for its health and vaccination needs.
    • The plan also covers treatments that need modern surgeries like Bariatric, Laser, Robotics, and Organ transplants.
    • Apart from the above features, it also provides:
      1. Personal Accident and Critical Care cover
      2. Loyalty addition in the sum insured after every year
      3. Enhanced Geographical Coverage

    Plan Details

    The plan provides the following 3 variants to choose from:

    Plan type Silver Gold Platinum
    Cover AvailableRs. 5 Lakhs - Rs. 7.5 lakhsRs. 10 Lakhs - Rs. 50 lakhsRs. 1 crore - Rs. 3 Crore
    Health Check-upUp to Rs. 1,875 per personUp to Rs. 7,500 per personUp to Rs. 10,000 per person
  3. Max Bupa GoActive Health Insurance Plan

    The Max Bupa GoActive Health Insurance plan provides cover for daily hospitalization needs and helps you to access cashless OPD and diagnostic services. The plan offers a family cover of up to 2 adults & 4 children.

    Key Features

    • In case of the exhaustion of the base sum insured, you will get a 100% refill of your base sum insured.
    • It also provides an I-Protect option that increases the cover by 10% every year after renewal.
    • In case of the unavailability of a hospital bed or on the doctor's advice, the policy will reimburse you for the medical treatment taken at home.

    Plan Details

    Entry AgeChild: 91 Days, Adult: 18 Years - 65 Years
    Base Sum InsuredRs. 4 Lakhs - 25 Lakhs
  4. Max Bupa Money Saver Plan

    The Max Bupa Money Saver Plan combines the benefits of Health Recharge (HR) and Health Companion (HC) plans.

    Key Features

    • The plan allows the policyholder to get a cover for inpatient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the base sum insured.
    • You can earn up to 20% of the sum insured (as a bonus) for every claim-free year. The maximum limit is up to 100% of the base SI.
    • Policyholders can save taxes under section 80D of the Income Tax Act, 1961.
    • The plan also offers:
      1. Personal Accident Cover
      2. Critical Illness Cover

    Plan Details

    Hospital CashUp to Rs. 2000/day
    Base Sum InsuredRs. 10.5 Lakhs - 1 Crore
  5. Max Bupa Heartbeat Family Health Insurance Plan

    Max Bupa Heartbeat Family Health Insurance Plan is a comprehensive insurance plan with pre & post-hospitalization coverage. The plan provides two variants (gold and platinum) to its customers for better coverage.

    Key Features

    • Maternity benefits and expenses of treatments and vaccination for a newborn baby are covered from day one.
    • The plan offers a 10% addition to the expiring base sum insured each year (a maximum of 100% of the base sum insured) as a loyalty benefit.
    • The additional benefits provided by the policy are hospital cash, personal accident cover, critical illness cover, e-consultation, and premium waiver.

    Plan Details

    Plan type Gold Platinum
    Base Sum InsuredRs. 5 Lakhs - 50 lakhsRs. 15 Lakhs - Rs. 1 Crore
    Health Check-upUp to Rs. 2,500Up to Rs. 5,000
    Maternity BenefitUp to Rs. 1,00,000Up to Rs. 2,00,000

    **The values may change as per the chosen plan option.

  6. Max Bupa Super Saver Plan

    Max Bupa Super Saver is a health insurance plan that offers health coverage up to Rs. 1 crore. The plan allows the insured to avail of unlimited tele/online consultations.

    Key Features

    • In case the insured needs to travel to the hospital via an ambulance, the plan will cover its expenses (up to Rs.2000/hospitalization).
    • Under this plan, a policyholder is eligible to opt for modern treatments such as oral chemotherapy, robotic surgeries, intravitreal injections, deep brain stimulation, etc.
    • One can opt for a multi-year payment and is eligible to avail of a discount of 7.5% on the 2nd year's premium and 15% on the 3rd year's premium.

    Plan Details

    Sum InsuredRs. 10.5 Lakhs- 1 Crore
    Annual Health Check-upFrom 2nd policy year
  7. Max Bupa Health Pulse Insurance Plan

    Max Bupa Health Pulse offers customized benefits and rewards.

    Key Features

    • The plan covers basic hospitalization expenses such as nursing charges, in-patient charges, physiotherapy, etc.
    • If the insured suffers from HIV/AIDS, the plan will look after their expenses (up to 10% of base SI, maximum Rs.50,000).
    • Apart from hospitalization expenses, the plan also provides optional benefits such as personal accident cover, critical illness cover, hospital cash, enhanced no claim bonus, among others.

    Plan Details

    Plan type Classic Gold
    Base Sum InsuredRs. 3 Lakhs - 10 LakhsRs. 3 Lakhs - 25 lakhs
    Annual Health Check-upFrom 2nd Policy year onwards
  8. Max Bupa ReAssure Health Insurance Plan

    Max Bupa ReAssure Health Insurance policy secures you and your family's health and financial well-being.

    Key Features

    • The plan offers a booster benefit, where one can get a 50% increase in the sum insured in case of a claim-free year. The maximum is 100% (a reduction of 50% in case of a claim).
    • If no hospital bed is available, this policy will cover the medical treatment taken at home (on the doctor's advice).
    • Insured members can grab 'Live Healthy Benefit (up to 30% on renewal premium)', where they can collect health points by tracking steps on the Max Bupa Health App.
    • The plan offers coverage for pre and post-hospitalization (60 and 180 days) expenses.

    Plan Details

    Base Sum InsuredRs. 3 lakhs - 1 crore
    Emergency AmbulanceUp to Rs. 2,000/hospitalization
    Health Check-upAnnually
  9. Max Bupa Corona Kavach Plan

    Max Bupa Corona Kavach policy can help you safeguard yourself and your family from COVID-19 related expenses. To avail the benefits and coverage of this plan against hospitalization, one needs to be hospitalized for at least 24 hours.

    Key Features

    • The plan offers coverage for the treatments under Ayurveda, Unani, Siddha, Yoga, and Homeopathy.
    • The plan also covers home care treatment expenses for COVID-19 (on a positive diagnosis of COVID-19 in a government-authorized diagnostic centre).
    • Coverage for pre- and post-hospitalization expenses (15 & 30 days) are available.
    Entry Age18-65 years
    Policy Tenure3.5 months, 6.5 months & 9.5 months
    Sum InsuredRs. 50,000 to Rs. 5 lakhs
  10. Max Bupa Accident Care Plan

    Max Bupa Accident Care is a personal accident insurance plan, which offers coverage to the insured and his/her family in case of death or disability resulting from an accident.

    Key Features

    • In an unfortunate case of your death or permanent total disability of the insured, his/her child will get education benefits up to Rs. 5 lakhs.
    • The plan also covers funeral expenses of the insured up to Rs 5,000 (SI under 25 lakhs) and Rs 50,000 (SI over 25 lakhs).
    • If the insured meets with an accident and suffers a permanent total disability, the plan pays 125% of the SI to his/her family.

    Plan Details

    Entry AgeAdults: 18-65 years, Dependant Children: 2-21 years
    Sum InsuredRs. 5 Lakhs to Rs. 2 Crores
  11. Max Bupa Health Recharge Plan

    Max Bupa Health Recharge plan helps you to enhance your family's health insurance cover.

    Key Features

    • Pre- and post-hospitalization expenses (60 & 90 days) are covered under this plan.
    • Under this plan, you will get coverage for alternative treatments such as Ayurvedic, Unani, Siddha, and Homeopathic.
    • Thanks to the Income Tax Act, 1961, the insured can avail of tax deductions for the premiums paid against this plan.

    Plan Details

    Emergency AmbulanceUp to Rs. 1500/hospitalisation
    Sum InsuredRs. 2 Lakhs to Rs. 2 Crores
  12. Max Bupa CritiCare Plan

    Max Bupa CritiCare health insurance plan protects you and your family from 20 listed major critical illnesses.

    Key Features

    • The insured has 15 days to check the policy's TnCs and cancel it if something seems off the tangent.
    • Policyholders can grab amazing discounts on the 2nd and 3rd year's premium by availing policies for a tenure of 2 or 3 years.
    • Emergency ambulance expenses (up to Rs.2000/claim) are covered under the policy.

    Plan Details

    Sum InsuredRs. 3 Lakhs to Rs. 2 Crores

What are the Key Features of Max Bupa Health Insurance?

In today's scenario of increasing healthcare costs, having a health insurance plan is a very important aspect of your financial planning. A single health emergency can force you to lose all your hard-earned money and can also push your financial planning back by several years. There are numerous plans available in the market these days that provide protection to you and your family and help you lead a financially healthy and happy life. Before buying an Insurance plan, you must read about it carefully to make an informed decision. For your convenience, we have listed down key features of he company like market share, cashless facility & claim support.

Let's discuss the key features of Max Bupa Health Insurance and understand them in detail.

  1. Network Hospitals

    Max Bupa health insurance company provides cashless treatment for hospitalization and settles all your medical expenses incurred in the treatment. It has tie-ups with more than 5000+ hospitals in its network that provide a cashless facility and serves complementary health check-ups, pre and post-hospitalization costs, and coverage for pre-existing diseases.

    Graphical Representation of Max Bupa & other Top Insurers (based on Network Hospitals)

    Comparison of Max Bupa with other top Insurers

    If you want to check the Network Hospital lists as per your state/region, you can visit the network hospital Page.

    Let's understand this with the help of an example.
    Mr. Kumar got hospitalized and admitted to the nearest network hospital that is already enlisted with Max Bupa (his insurance company) for the treatment of Hyperlipidemia. In this case, all the medical bills were paid by the insurance company itself. This cashless treatment helped Mr. Kumar to undergo treatment without any financial burden.

    If your hospital is not covered under the Max Bupa Network, the company also provides the option of reimbursement where after you have paid the cost of treatment, you can easily file for reimbursement and Max Bupa will settle the incurred amount.

  2. Renewability

    Max Bupa Health Insurance offers lifelong renewability. The renewability feature offered by Max Bupa ensures that the policy can be renewed for a lifetime without any age restriction.

  3. Claim Support

    This factor tells you the ability of the company to settle claims and helps you understand the history of the insurer.

    According to the IRDAI Annual Report 2019-2020, Max Bupa settles 99.91% of claims within 3 months. The higher the percentage of claim settlement, the better the ability of an insurance company to settle claims.

    Claim Support of Top 10 Insurance Companies

    Claim support of top 10 insurance

    ** Data from IRDAI Annual Report 2019-20

  4. Market Share

    The Annual premium of the company for the year 2019-2020 is 1177.56 crores whereas, for 2018-19, it was 914.49 crores. We have prepared a graph that compares the annual gross premiums of Max Bupa Health Insurance Company from 2016 to 2020.

    Annual Premium of Max Bupa from Financial Year 2016-20

    Annual Premium of Max Bupa from 2016-20

    **Data from IRDAI Annual Report

  5. Solvency Ratio

    The solvency ratio is a factor you must consider while selecting an insurance company that provides financial protection to you and your family. The solvency ratio helps assess the ability of a company to meet its financial obligations. IRDAI publishes the solvency ratio in its annual reports. Currently, IRDAI mandates maintaining a healthy solvency ratio of 1.5 for every insurer. As per the IRDAI annual report 2019-20, the solvency ratio of Max Bupa is 1.64, which fulfills the IRDAI criteria.

    Here is a graph comparing the solvency ratio of Max Bupa with IRDAI's solvency ratio from 2016- 2020.

    Solvency Ratio of Max Bupa 2016-20

    Solvency Ratio of Max Bupa from 2016-20

    ** Data from IRDAI Annual Report

We have summarized the key features in tabular form. Go through the table and choose your insurance company wisely.

Network Hospitals5000+
Number of agents34000+
24X7 Customer supportAvailable
Quick Doctor consultationAvailable in most plans
Claim settlement Ratio96%
Incurred Claim Ratio50.19
Gross Direct Premium (2019-20)1177.56 Crores
Solvency Ratio1.64

Why Should You Buy Max Bupa Health Insurance?

Max Bupa Health Insurance ensures that cashless claims are processed within 30 minutes across its 5000+ network hospitals. Even when the hospital doesn't come into the Max Bupa network, the company provides a reimbursement facility to make sure that illnesses do not become a financial burden. The company has introduced its app and chatbot 'CIA' to entertain customer queries on time.

Most of the plans offered by the company provide loyalty or a no-claim bonus that increases the cover of every claim-free year.

We have discussed some of the key features of Max Bupa below:

  1. Customer Centricity

    Max Bupa offer direct claim settlement, preauthorization of cashless claims within 30 minutes, and it also provides the access to customer care 24X7 to resolve their queries. Additionally, they also have a 'point of care' desk at leading hospitals that helps customers with their claims.

  2. Max Bupa Health Application

    Max Bupa Health App has been designed to help customers to manage and track their health along with their insurance plan. You can book cashless OPD appointments with a doctor or a medical lab. Moreover, you can get information about the renewal status.

  3. Comprehensive Plans

    Max Bupa provides comprehensive plans that suits customer's needs and requirements. For larger families, Max Bupa has a comprehensive insurance product i.e., Health Premia that provides good care for families.

  4. Doctor Consultation

    Max Bupa Health Insurance offers cashless facilities at OPD Network hospitals with 2,000 doctors and teleconsultation with which they promise to provide quick doctor's consultation related to healthcare and wellness services.

  5. Lifelong Renewability

    The plan offers a lifelong renewal.

How Does Max Bupa Calculate the Premiums of its Health Plans?

There are some factors, which have a direct impact on the health insurance premium. It's better to know about them so that you can make an informed decision while choosing from the list of Max Bupa health plans. Here, we are discussing the Max Bupa health insurance premium calculator. Let's check out a few of those factors.



The younger your age, the less prone you are to catch illnesses. Therefore, a 25-year old has to pay a lower premium as compared to a 40-year old individual.

Body Mass Index

Body Mass Index

If you have a high BMI, you are more likely to suffer from illnesses like heart problems, diabetes, etc. Therefore, health insurance companies have to spend more on your treatments. In return, they charge high premiums.

Sum Insured

Sum Insured

If you go with a high coverage amount, you have to shell out a higher premium against it and vice-versa.



The work you do for a living has a significant impact on the health insurance premium. If you are employed as a minor, construction worker, or scientist surrounded by chemicals, you have a higher chance of getting injured and applying for claims. Therefore, you have to pay a higher premium in return.

How to Buy Max Bupa Health Insurance Plans?

You can either buy from the company or from

Max Bupa Company's Website

  • Visit the official website of the company. On the top, click on the 'Buy' option.
  • Enter all the required details and click on 'Find My Plan'.
  • Among all the available plans, select the best-suited plan to meet your needs.
  • Pay the premium online.
  • Once done, a soft copy of the policy will be sent to your registered email address.

  • On the top right corner of this page, search for the 'Calculate Max Bupa Health Insurance Premium' form.
  • Fill in the necessary details to get the list of quotes.
  • Choose the desired Max Bupa health plan and pay the premium.
  • After the payment, the policy will be shared on your registered email address.

How to File a Max Bupa Health Insurance Claim?

Max Bupa allows customers to file claims in two ways. Let's learn about them.

For Cashless Claims

  • Get admitted to any one of the network hospitals associated with Max Bupa. You can check the list of network hospitals on the company's website.
  • Use your Max Bupa Health Card and show them your identification proof.
  • After validating your identity, the network hospital will submit the pre-authorization request form to the company.
  • The company will review your request and provide the confirmation to the network hospital by fax or email and share the same with you via text or email.
  • The company will settle the claim with the hospital after the completion of all formalities.

For Reimbursement claims

  • If admitted to a non-network hospital, notify Max Bupa within 48 hours of hospitalization. In emergency cases, inform them within 24 hours of hospitalization.
  • You need to pay the treatment expenses to the hospital. During discharge, collect all the necessary documents, invoices, medical reports, and discharge certificates from the hospital.
  • Send the completed claim form (available on Max Bupa's website) along with the required documents to Max Bupa.
  • Max Bupa will review the documents and settle the claim (if approved) by reimbursing you for the amount.

Documents Required

  • Valid ID proof.
  • Original reports of diagnostic tests, radiology reports, and payment receipts.
  • Original hospital bills and discharge certificate signed by the medical practitioner.
  • Medical practioner's prescription for consultation, medicine, and medical tests.
  • Post Mortem Report (if applicable).
  • Others requested by the company.

How Can I Renew My Max Bupa Health Insurance?

Let's discuss the Max Bupa health insurance renewal process. Follow the below steps to renew your policy easily:

  • Visit the company's website and click on the 'Renew' option.
  • Enter your 14 digit policy number and click 'Submit'.
  • You will get the renewal premium amount.
  • Click on the 'Pay now' option to make the payment.
  • On successful payment, you will receive a policy transaction number. A new policy kit will be emailed to you within 48 hours.

How to Contact Max Bupa Health Insurance Company?

  • Max Bupa health insurance customer care number - 011 4609 6100
  • Contact Address - Max Bupa Health Insurance Company Limited, 14th Floor, Capital CyberScape, Sector 59, Gurugram, Haryana

Max Bupa Important Links


Max Bupa Health Companion policy is available for 1-2 years. The company also offers a discount on the purchase of a policy for two years.

The major exclusions are listed below-

All pre-existing conditions are excluded for the first 36 months under the policy.

The following diseases are also excluded:

  • Sexually transmitted diseases.
  • Dental/Oral treatment.
  • Circumcision.
  • Other diseases as specified in the policy document.

No, the company takes pride in direct claim settlement.

All the expenses incurred against in-patient hospitalization, day care procedures, domiciliary hospitalization, pre and post-hospitalization, among others are covered.

No, that won't be possible.

It depends on the age of the individual and the terms of the plan considered.

Yes, they can. However, coverage is only valid in India.

Of course, you can. It's a renowned company that functions for the betterment of its customers.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.1/5 (44 Total Rating)

August 12, 2021

Khushwant Kumar


thanks policyx itna help karne ke lie. Good luck. Sahi plan mil gaya mere conditions ke hisaab se. Very happy.

August 11, 2021

Sudesh Chauhan


Pleased that a significant chunk of my hospital bills were covered with my max health plan. Special thanks to policyx who guided me during the buying process and got me a good plan.

August 11, 2021

Devesh Das


Thanx from the heart to team at policyx. I came in with no knowledge wanting to get my health insured. I bough a plan from Max and policyx guided me. So much thannks

August 11, 2021

Kritisha Verma


Appreciate all the help received at POlicyx! Saved me a lot of effort with their attention to detail. Got a nice deal from Max Bupa.

May 10, 2021

Patel Manoj bhai


It was my first time buying a health insurance plan for my family. Being recommended by a friend, I came to max bufa The website provided guidance throughout to help me find the right type of coverage

Last updated on September, 2021

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