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Max Bupa Health Insurance
  • Tax Benefit Under 80D
  • Claim Settlement Ratio 89%*
  • 4k+ Cashless Hospital Network
  • 9 Major Critical illness Cover
  • Cashless Claim Process in 30 Minute

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Max Bupa Health Insurance

Max Bupa Health Insurance Company Limited is formed by a joint undertaking between the Bupa Finance Plc, UK- headquarter and the Max India which specializes in healthcare services. Max Bupa Insurance Ltd offer insurance in many sectors of life such as life insurance, travel insurance, health insurance, motor insurance and etc.,

Max Bupa Health Insurance is emerging as a great competitor of all other insurance providers with a support of 29 million customers in more than 190 countries. Max Bupa Health Insurance plan helps the policyholder economically, mentally and offer assistance in getting the best medical consultant and care. It tends to build a long-lasting bond between the policyholder and the Max Bupa Health Insurance.

Highlights

Network Hospitals 3500+
Renewability Lifetime
Claims Ratio 50.19
Waiting Period 4 Years
Grievances Solved 100.00%

Benefits Of Max Bupa Health Insurance

  1. The Max Bupa Health Insurance plan offers wide covers that cover a maximum of 4 members of your family with up to 2 children and 2 adults. Max Bupa Health Insurance offers cover for the entire family, including newborn babies and senior citizens, through its wide range of individual and family floater plans.

  2. Policy seeker or any age can apply and enrol for the Max Bupa Health Insurance.

  3. The Max Bupa health insurance plan covers medical expenses for 30 days prior to hospitalization (Pre - Hospitalisation ) and 60 days post hospitalization only for related medical expenses (post - Hospitalisation).

  4. After the completion of the 1-year waiting period since the purchase of a Max Bupa health insurance policy policyholder can enjoy the maternity related expenditures cover for mothers and newborn babies.

  5. The Max Bupa Health Insurance Covers Various medical expenses like hospital room rent, pre and post hospitalization, OPD expenses cover, organ donation, and day care.

  6. The Max Bupa Health Insurance policy also offers cover for the transportation of the policyholder including ambulance charges during any emergency.

Types of Max Bupa Health Insurance Plans

In a family, everyone has a different taste bud and crave for different types of food. It is never like everyone is eating one thing without any change in the menu. Same as that the Max Bupa Health Insurance policy offers different types of health insurance policies from which one can choose as per requirements and the cover -

Max Bupa GoActive Individual Health Plan

If you are fit, then everything is hit! Max Bupa GoActive Individual Health Plan offers comprehensive health insurance coverage for an individual. One perfect health insurance cover can make the life of an individual perfect. It is a pocket-friendly insurance plan with wider cover.

Benefits and features of Max Bupa GoActive Individual Health Plan

  1. Max Bupa GoActive Individual health Plan offer cover for all types of hospital accommodation without any capping on room rent charges for the Sum Insured of Rs.5 lacs and above.

  2. One can also obtain the second medical opinion for specified illness / planned surgery / surgical procedure if required.

  3. The policyholder can avail OPD consultations within a network either on cashless or reimbursement basis of Max Bupa. In case of reimbursement, the maximum amount payable per OPD consultation is Rs.600 (for Zone 1) and Rs.500 (for Zone 2).

  4. Under Max Bupa GoActive Individual health Plan policyholder can avail consultation and/ or counselling from a psychotherapist over a phone call to provide support on pre-marital counselling, nutrition, stress, child, parenting and etc.

  5. The policyholder is eligible to get a discount of 10% in the first policy year Base Premium and all subsequent renewal Base Premiums, if the age of the eldest policyholder is less than/ or equal to 35 years.

Eligibility of Max Bupa GoActive Individual Health Plan

The minimum eligibility age for adults under the Max Bupa GoActive Individual health policy is from 18 years to 65 years (maximum eligibility age). The entry age for dependent children is from 91 days to 21 years.

Sum Insured Rs 4 Lacs to 25 lacs
Policy Tenure 1 year
Free Look Period 15 Days
Domiciliary Hospitalization Available
Renewal Lifetime

Exclusions 0f Max Bupa GoActive Individual Health Plan

  1. Any dental or oral treatment is not covered under the Max Bupa GoActive Individual Health Plan.

  2. Any sexually transmitted diseases such as HIV, AIDS, and related complex is also excluded from the plan.

Max Bupa GoActive Family Floater Health Insurance Plan

A healthy mind resides in a healthy body and it is very important to have a healthy mind in order to grow in every aspect of life. Now a day, people are aware of how important money management is and how important it is to be ready for unexpected bad times. Max Bupa GoActive Family Floater Health Insurance Plan is an important part of future management.

Max Bupa GoActive Family Floater Health Insurance Plan is a comprehensive health insurance plan that ensures the happiness of your family with a complete wellness cover. It is customised flexible keeping in mind the requirement and need of the policyholder in modern time. Max Bupa GoActive Family Floater Health Insurance Plan not only offers wide coverage range, but it also takes care of the budget of the policyholder.

Benefits and features of Max Bupa GoActive Family Floater Health Insurance Plan

  1. Max Bupa GoActive Family Floater Health Insurance Plan cover the expenses that occur due to the hospitalisation of an individual without any capping on the room rent charges for sum insured of Rs. 5 lacs and/ or above.

  2. Max Bupa GoActive Family Floater Health Insurance Plan covers the medical expenses incurred due to illness/injury. The period of the treatment covered 90 days before you get admitted to the hospital (pre - hospitalisation ) and 180 days after you get discharged from the hospital (post - hospitalisation).

  3. Max Bupa GoActive Family Floater Health Insurance Plan also covers services such as nursing care, investigations, medication (including oral and intravenous), chemotherapy, dialysis, transfusions, physiotherapy and postsurgical care that can be given to the policyholder at home.

  4. Medical treatment which is taken at home, which would have required hospitalisation of the policyholder but cannot be done because of some inability or advice of the medical practitioner is also covered. But, this treatment should continue 3 at least consecutive days.

  5. Medical expenses for organ donors In-patient treatment for the harvesting of the organ donated for the treatment is also covered if the donated organ is for the use of the insured person's treatment under Max Bupa GoActive Family Floater Health Insurance Plan.

  6. The policyholder is covered under Max Bupa GoActive Family Floater Health Insurance Plan to Avail OPD consultations within a network either on cashless or reimbursement basis.

  7. The cost of medicines and diagnostic services from the empanelled service provider through Max Bupa mobile application or website is covered under Max Bupa GoActive Family Floater Health Insurance Plan.

  8. Max Bupa GoActive Family Floater Health Insurance Plan offer benefit such as a discount of 10% in the first policy year Base Premium and all subsequent renewal Base Premiums if the age of the eldest insured person at the time of inception of the first policy is less than or equal to 35 years.

Sum Insured Rs 4 Lacs to 25 lacs
Policy Tenure 1 and 2 yea
Free Look Period 15 Days
Refill Benefit Yes
Renewal Assured lifelong

Exclusion of Max Bupa GoActive Family Floater Health Insurance Plan

  1. Any type of treatment expense that occurs because of any oral or/ and dental treatment of the policyholder is excluded from the policy.

  2. Any treatment such as cosmetic surgery, obesity and weight control program is also not covered under Max Bupa GoActive Family Floater Health Insurance Plan.

Max Bupa Health Companion Family Floater Health Insurance Plan

Family is very important in our life. No matter what happens, we leave no stone unturned just to give our family all love and care of the world. There are many problems that hinder the smooth way of family happiness and togetherness some of those are financial issues, mental stress, and Health issues, etc. Health problems are one of the main factors that create all other problems. One family fall prey to the hands of some medical problem and everyone else get affected by it, directly or indirectly.

Health issues affect not only physical life but also, the mental and economic life of an individual and family. Hence, it becomes very important to have a cover of a good health insurance policy. Max Bupa Health Companion family Floater Health Insurance Plan is just what one requires to secure his/ her loved ones. Max Bupa Health Companion family Floater Health Insurance is very affordable and comprehensive health insurance which is designed specially keeping in mind both the individual policyholder and the nuclear family policyholder's needs. Max Bupa Health Companion family Floater Health Insurance Plan offers cover for up to 4 children, wife and husband of the nuclear family.

Features and benefits of Max Bupa Health Companion family Floater Health Insurance Plan

  1. The sum assured under the Max Bupa Health Companion family Floater Health Insurance Plan can be 2 lakh, 3 lakh and 4 lakh.

  2. Max Bupa Health Companion family Floater Health Insurance Plan covers the hospitalisation charges such as room charges of the hospital - without any capping, cashless claim facility at the network hospitals and etc,

  3. Max Bupa Health Companion family Floater Health Insurance Plan offers a complimentary health check for the entire family which can be availed once in 2 years ( For variant 1) or annually (for variant 2 & 3).

  4. 30 days of pre - hospitalisation and 60 days of post hospitalisation are covered by the Max Bupa Health Companion family Floater Health Insurance Plan.

  5. Max Bupa Health Companion family Floater Health Insurance Plan offers the plan renewal benefit, under which the policyholder get 20% additional sum assured on the renewal of insurance policy for each claim free year. The maximum benefit is 100% of the sum assured.

  6. Emergency ambulance charges are also covered by Max Bupa Health Companion family Floater Health Insurance Plan up to Rs. 3,000.

Max Bupa Health Companion family Floater Health Insurance Plan has three variants with different features

  • Variant 1 - It offers a sum assured value of Rs. 3 Lakhs & Rs. 4 Lakhs and Top Up with Annual Aggregate Deductible Option of Rs. 1 Lakhs, Rs. 2 Lakhs, Rs. 3 Lakhs, Rs. 4 Lakhs, and Rs. 5 Lakhs & Rs. 10 Lakhs

  • Variant 2 It offers sum assured value of Rs. 5 Lakhs, Rs. 7.5 Lakhs, Rs. 10 Lakhs & Rs. 12.5 Lakhs and Top Up with Annual Aggregate Deductible Option of Rs. 1 Lakhs, Rs. 2 Lakhs, Rs. 3 Lakhs, Rs. 4 Lakhs, Rs. 5 Lakhs & Rs. 10 Lakhs

  • Variant 3- It offers sum assured value of Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 30 Lakhs, Rs. 50 Lakhs & Rs. 1 Crore and Top Up with Annual Aggregate Deductible Option of Rs. 1 Lakhs, Rs. 2 Lakhs, Rs. 3 Lakhs, Rs. 4 Lakhs, Rs. 5 Lakhs & Rs. 10 Lakhs

Eligibility of Max Bupa Health Companion family Floater Health Insurance Plan

Max Bupa Health Companion Family Floater Health Insurance Plan can be availed by 2 adults (proposer & spouse) in the family of minimum age 18 years and maximum 60 years age and 4 children between age 3 months and 23 years can be covered under this policy.

Sum Insured Rs 5 Lacs to 12.5 lacs
Policy Tenure 1 and 2 yea
Free Look Period 15 Days
Hospital Cash Optional
Renewal Assured lifelong

Exclusions of Max Bupa Health Companion family Floater Health Insurance plan

  1. Any loss or damage caused due to participation in some hazardous activities is excluded from the Max Bupa Health Companion family Floater Health Insurance plan.

  2. It does not cover any charges of the complementary and / or alternative medicine.

Max Bupa Health Companion Individual

Health Companion individual is basically an affordable health insurance plan that is enough to provide the required health cover to an adult individual. The plan offers the Direct claim settlement, cashless facility, and assured plan renewal for life. The plan comes out with three variants.

Variant 1- SUM INSURED OPTIONS: Rs. 3 Lakhs & Rs. 4 Lakhs

Top Up with Annual Aggregate Deductible Option of Rs. 1 Lakhs, Rs. 2 Lakhs, Rs. 3 Lakhs, Rs. 4 Lakhs, Rs. 5 Lakhs & Rs. 10 Lakhs.

Variant 2- Sum Insured Options: Rs. 5 Lakhs, Rs. 7.5 Lakhs, Rs. 10 Lakhs & Rs. 12.5 Lakhs

Top Up with Annual Aggregate Deductible Option of Rs. 1 Lakhs, Rs. 2 Lakhs, Rs. 3 Lakhs, Rs. 4 Lakhs, Rs. 5 Lakhs & Rs. 10 Lakhs

Variant 3- Sum Insured Options: Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 30 Lakhs, Rs. 50 Lakhs & Rs. 1 Crore

Top Up with Annual Aggregate Deductible Option of Rs. 1 Lakhs, Rs. 2 Lakhs, Rs. 3 Lakhs, Rs. 4 Lakhs, Rs. 5 Lakhs & Rs. 10 Lakhs

Features and benefits of Max Bupa Health Companion Individual

  1. The company is offering different options to choose from that goes well with different needs and budget as well.

  2. Cover the cost of all types of hospital accommodation (except suite or above room category) without any capping on room rent charges.

  3. Cover all day care treatments, not a select few. However, such a procedure should not be in the outpatient department of a hospital.

  4. Avail In-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the base sum insured.

  5. Medical Expenses for an organ donor's In-patient treatment for the harvesting of the organ donated is also covered provided the organ is for the use of the Insured Person.

  6. You will save tax under Section 80D of the Income Tax Act when you buy a Max Bupa health insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

Sum Insured Rs 3 Lacs to 1 crore
Policy Tenure 1 and 2 year
Free Look Period 15 Days
Entry Age 90 days to no limit
Renewal lifelong

Exclusions of Max Bupa Health Companion Individual

  1. Any loss or damage that take place because of hazardous activities will not be liable to get cover under this plan.

  2. It does not cover any charges that occurs out of dental and oral treatment.

Max Bupa Health Companion First

It is one of the effective health insurance plans that are designed by keeping the needs of joint family in mind. Under the same, a person can get cover for up to 19 members. There are options of choosing family cover of individual sum assured as well.

Features and Benefits of Health Companion First

  1. Different sum insured options to choose from.

  2. Cover the cost of medical treatment when you or your insured family members are hospitalized for treatment.

  3. Cover the cost of all types of hospital accommodation without any capping on room rent charges.

  4. Avail In-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the base sum insured.

  5. When you take a policy for two years, you get a 12.5% discount on the second year premium.

  6. Medical Expenses that occurs out of an organ donor's In-patient treatment for the harvesting of the organ donated is also liable to get cover under this insurance plan.

  7. The plan also cover the ambulance expenses to transfer the insured following an emergency to the nearest hospital.

Eligibility 90 Days to unlimited
Policy Tenure 1 and 2 year
Renewal Assured for lifetime
Day Care Treatment Almost all

Exclusions of Max Bupa Health Companion First

  1. Any loss or damage that take place because of hazardous activities and artificial life maintenance will not be liable to get cover.

  2. It does not cover any charges that occurs out of eyeysight and optical services.

  3. HIV, AIDS And related issues are out of coverage.

Max Bupa Heartbeat Family Floater Health Insurance Plan

Our world revolves around our Family. Since childhood, we want to make our parents proud, and then we want to help and stand by our siblings in all situations. Then when we start earning, we save and spend our expenses to give the best to our family. No matter what they dream, we try to accomplish every bit of it. Heartbeat Family Floater Health Insurance Plan offers an overall protection comprehensive cover blanket to the policyholder.

Max Bupa Heartbeat Family Floater Health Insurance Plan cover pre hospitalisation for 30 days and post hospitalisation for 60 days immediately after the policyholder get discharged from the Hospital if the insurer accepts an Inpatient Care hospitalisation claim of the policyholder.

Max Bupa Heartbeat Family Floater Health Insurance Plan offers two variants

Heartbeat - Gold Policy

  1. Under the Heartbeat - Gold Policy Prepare for future medical expenses with comprehensive cover options of Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 30 lakhs and Rs. 50 lakhs.

  2. Heartbeat - Gold Policy Family Floater Health Insurance Plan offers Maternity benefits which are offered for up to 2 deliveries. Both the partners have to be covered in this policy for two continuous years for availing the maternity benefit.

  3. The policy seeks of any age can enrol in the Heartbeat - Gold policy.

  4. Heartbeat - Gold Family Floater Health Insurance Plan offers Domiciliary Hospitalization facility to the policyholder if in case if In case a bed in the hospital is unavailable or on the advice of the attending medical practitioner, treatment is administered at home; then the insurer pays for medical treatment taken by the policyholder at home.

  5. Heartbeat Family Floater Health Insurance Plan offers AYUSH cover to the policyholder in which treatment away from allopathic medical expenses like Ayurvedic, Unnani, Sidha and Homeopathy (AYUSH)

Heartbeat - Platinum Policy

  1. Under the Heartbeat - Platinum health insurance plan Prepare for future medical expenses with comprehensive cover options of Rs. 15 lakhs, Rs. 20 lakhs, Rs. 50 lakhs and Rs 1 Cr.

  2. There is no limit on the expenses of the hospital room that occurs during the hospitalisation of the policyholder under the heartbeat - Platinum Policy.

  3. Even in case of a medical emergency outside India the Heartbeat - Platinum health insurance plan provides assistance in the medical evacuation of the Insured Person and cover the reasonable and customary costs of transportation of the Insured Person and also cover if any doctor assistance is needed.

  4. If the Policy of Max Bupa health insurance is renewed without any break, then the policyholder will get Sum Insured enhancement that is 10% of base Sum Insured per annum and it can shoot maximum up to 100% of base Sum Insured.

  5. Any vaccination of the insured children till 12 years is also covered under the insurance plan. It also covers consultation for nutrition and growth provided to the child during a visit for vaccination.

Sum Insured Rs 15 Lacs to 1 crore
Maternity Benefits Available
Free Look Period 15 Days
Childcare benefits Vaccination cover upto 12 years of age
Renewal Lifetime

Exclusions of Max Bupa Heartbeat Family Floater Health Insurance Plan

  1. If the policyholder is suffering from any type of mental illness or psychotropic condition then no cover is offered for the same.

  2. Any expense that occurs because of any sexually transmitted diseases such as HIV, AIDS, and other illness then the policyholder is not offered any cover.

Max Bupa Heartbeat Individual Policy

Max Bupa Heartbeat Individual policy gives a comprehensive cover umbrella to all stormy rain of medical expenses. It offered two variants - 1. Gold, 2. Platinum

Features and benefits of Max Bupa Heartbeat Gold Individual policy

  1. It offers policyholder full future medical expenses with comprehensive cover options of Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 30 lakhs and Rs. 50 lakhs.

  2. Under this, even the AYUSH cover is offered, hence any Medical Expenses incurred on treatment taken under Ayurvedic, Unnani, Sidha and Homeopathy.

  3. Under this, the policyholder enjoy benefits of medical expenses reimbursement incurred due to Illness up to 60 days immediately before you get admitted to a hospital and 90 days immediately after you get discharged from a Hospital

Features and benefits of Max Bupa Heartbeat Platinum Individual policy

  1. It offers policyholder full future medical expenses with comprehensive cover options of Rs. 15 lakhs, Rs. 20 lakhs, Rs. 50 lakhs and Rs 1 Cr.

  2. Max Bupa Heartbeat Platinum Individual policy offer cost of medical treatment while a policyholder is hospitalized for treatment.

It also offers international treatment support for specified illnesses which are listed below:

  1. Cancers like leukaemia, lymphoma and sarcoma excluding all tumours in the presence of HIV infection.

  2. Heart Attack (Myocardial Infarction)

  3. Coronary Artery Bypass Graft (CABG)

  4. Major Organ Transplant for heart, lung, liver, kidney, pancreas to treat the irreversible end-stage failure of the relevant organ human bone marrow using haematopoietic stem cells is also covered.

  5. Stroke

  6. Surgery of Aorta including graft, insertion of stents or endovascular repair excluding surgery required due to an underlying congenital condition.

  7. Coronary Angioplasty is subsequent to myocardial infarction or angina attack.

  8. Primary Pulmonary Arterial Hypertension

  9. Brain Surgery

Sum Insured Rs 15 Lacs to 1 crore
Hospital room No limit
Free Look Period 15 Days
Childcare benefits Vaccination cover upto 12 years of age
Hopital cash Optional

Exclusions of Max Bupa Heartbeat Individual policy

  1. Treatments like cosmetic treatments, artificial life support, weight loss treatments, and non-allopathic treatments or due to HIV/AIDS, etc. are not covered.

  2. Pre-existing illnesses or conditions are not covered by the plan in the first 2 years of the policy.

Max Bupa Heartbeat Family First Insurance Policy

Max Bupa Heartbeat Family First health insurance policy takes care of all medical expenses incurred by individuals and families. This plan has been specially designed keeping the Indian Joint Family System in mind such that it covers up to 13 relationships and 50 family members

  • Max Bupa Heartbeat Family First health insurance cover Newborn baby automatically from birth till next policy renewal

  • Max Bupa Heartbeat Family First health insurance cover Doctor's fees, nursing care, cost of surgical dressings and drugs

  • Max Bupa Heartbeat Family First health insurance cover the cost of diagnostic tests like X-ray, blood test, medicines and drugs and consumables.

  • Max Bupa Heartbeat Family First health insurance also covers all day care procedures which do not require hospitalisation like Chemotherapy, Radiotherapy etc.

Loyalty Additions Available
Maternity Benefits After continuous two year coverage
Free Look Period 15 Days
Childcare benefits Vaccination cover upto 12 years of age
Renewal Lifetime

Exclusions of Max Bupa Heartbeat Family First health insurance

  1. Max Bupa Heartbeat Family First health insurance only 80% payments for individuals aged 65 yrs or above

  2. The waiting period for specific conditions in people above 60 years age will be 24 months from the policy commencement date.

Max Bupa Criticare Health Insurance Plan

The disease can delay and disrupt your all future planning for the time being. And some disease is so strong that it not only changes the life for their duration but leave a long-lasting, irreversible effect on the life of the individual. Critical illness such as cancer, stroke, and kidney failure or lung disease change life for worst and result in all shattered dreams, savings and happiness of individual and family. Max Bupa Criticare Health Insurance plan not only offer assistance during treatment to the policyholder during critical illness but also help him/ her to get a financial security cover.

Benefits and features of Max Bupa Criticare Health Insurance plan

  • Max Bupa Criticare Health Insurance plan allows the policyholder to settle his/ her claims directly with the team at Max Bupa, without involving any third-parties at the time of need.

  • If policyholder opts for a 2 or 3-year tenure on the Max Bupa Criticare Health Insurance plan then he/ she can avail discount on the premium.

  • The attractive part is that the premium to be paid is only calculated on the basis of your age and city of residence and not on your claim settlement history.

  • The Max Bupa health insurance policy helps the policyholder to save tax under Section 80D of the Income Tax Act. These benefits are subject to change in tax laws.

Max Bupa Criticare Health Insurance plan offers cover for the following 20 critical illness

  1. Cancer of Specified Severity

  2. Open Chest CABG

  3. First Heart Attack of Specified Severity

  4. Open Heart Replacement or Repair of Heart Valves

  5. Stroke Resulting in Permanent Symptoms

  6. Permanent Paralysis of Limbs

  7. Coma of Specified Severity

  8. Kidney Failure Requiring Regular Dialysis

  9. Major Organ/Bone Marrow Transplant

  10. Motor Neurone Disease with Permanent Symptoms

  1. Multiple Sclerosis with Persisting Symptoms

  2. End Stage Liver Disease

  3. End-stage Lung Disease

  4. Major Burns

  5. Loss of Speech

  6. Deafness

  7. Aplastic Anaemia

  8. Bacterial Meningitis

  9. Fulminant Viral Hepatitis

  10. Muscular Dystrophy

The policyholder can choose any of the following benefit options under Max Bupa Criticare Health Insurance plan. But, the benefit Option once chosen cannot be changed later during the lifetime of the policy.

  1. Benefit Option 1: The Sum insured is payable as a lump sum amount to the policyholder.

  2. Benefit Option 2: The Sum insured payable as a lump sum plus an additional 10% of the sum insured payable each year for the subsequent 5 years to the policyholder.

Renewal Lifetime
Policy Tenure 2 or 3 Years
Free Look Period 15 Days
Claim Settlement Direct

Exclusions of Max Bupa Criticare Health Insurance plan

  1. Any policy cover is not provided to the policyholder for Pre-existing Diseases until 48 months of continuous coverage from the first policy start date.

  2. If the policyholder does not survive for at least 30 days from the date of diagnosis of critical illness for the claim to be admissible.

Max Bupa Personal Accident Care Health Insurance Plan

One cannot predict what time is holding in hands. No matter how planned we are, this or that, there is always some surprise, good or bad. We just have to accept it, happily or sadly. What we can do is being ready and prepared for the same. Accidents are also such unpredictable events. Max Bupa Personal Accident care Health Insurance plan is the must have cover in order to be secure from exhausting your hard earned money in the heartbreaking event like an accident. Accidents can result in irreversible losses and damage to the body that may cause death or a life equal to death with permanent partial or total disability.

Max Bupa Personal Accident care Health Insurance plan offers individual and family coverage flexibility to the policyholder. Under this, if an individual requires claim then 100% of the sum insured offered. When one claim on family plan that covers him/ her, a spouse and up to 2 children, then he/ she is entitled to 100% of the total sum assured amount, spouse is entitled to 50% or Rs. 10 Lacs (whichever is lower), and the children are entitled to 20% of the number of Rs. 5 Lacs (whichever is lower).

Benefits and features of Max Bupa Personal Accident care Health Insurance plan

  • In case of accidental death of the policyholder, 100% of the sum insured is paid to the policyholder under the Max Bupa Personal Accident Care Health Insurance plan.

  • In case of the permanent total disability policyholder, 125% of the sum insured is paid to the policyholder under the Max Bupa Personal Accident Care Health Insurance plan.

  • In case of the permanent total disability policyholder, 100% of the sum insured is paid to the policyholder under the Max Bupa Personal Accident Care Health Insurance plan.

  • In case of accidental death or permanent total disability of the policyholder, a minimum of 5% of the sum insured or Rs. 50,000 (for sum insured up to 25 lacs) / Rs. 500,000 (for sum insured more than 25 lacs) per child, is paid toward your child's education. This is only applicable for plans where children are covered is offered by In case of-of the permanent total disability policyholder 125% of the sum insured is paid to the policyholder under the Max Bupa Personal Accidentcare Health Insurance plan.

  • Max Bupa Personal Accident care Health Insurance plan offers worldwide coverage to the policyholder.

  • Expenses that occur during the funeral of the policyholder are covered up to Rs. 5000 (for sum insured up to 25 lacs) / Rs. 50,000 (for sum insured more than 25 lacs), in the case of the accidental death of an insured member.

Eligibility of Max Bupa Personal Accident care Health Insurance plan

Any Individual of maximum age 18 years and maximum age 65 years can avail the Max Bupa Personal Accident care Health Insurance plan, whereas children between maximum 5 year and maximum 21 years age are eligible for the insurance policy.

Loyalty Additions Available
Maternity Benefits After continuous two year coverage
Free Look Period 15 Days
Childcare benefits Vaccination cover upto 12 years of age
Renewal Lifetime

Exclusions of Max Bupa Personal Accident care Health Insurance plan

  1. Any Suicide or self inflicted injury, whether the Insured Person is medically sane or insane is not covered under Max Bupa Personal Accidentcare Health Insurance plan.

  2. If the Policyholder or an Insured Person is involved in the intake of some intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a Medical Practitioner other than policyholder is excluded from the Max Bupa Personal Accident care Health Insurance plan.

Max Bupa Health Recharge Individual

Max Bupa Health Recharge Individual plan is a pocket-friendly health insurance plan that is designed keeping individual and his/ her family that is the spouse and up to 4 children in mind.

Features of Max Bupa Health Recharge Individual

  • Max Bupa Health Recharge Individual plan also covers the medical expenses for organ donors In-patient treatment for the harvesting of the organ donated is also covered provided the organ is for the use of the insured person.

  • The policyholder can opt for the Personal Accident and Critical Illness cover as add - on the cover along with the base product.

Loyalty Additions Available
Policy Tenure 2 or 3 years
Free Look Period 15 Days
Child Education benefits Upto 50 lacs
Renewal Lifetime

Exclusions of Max Bupa Health Recharge Individual plan

  1. Robotic-assisted surgery, light amplification by stimulated emission of radiation (LASER) & light-based treatment

  2. Any treatment for injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or warlike situations is also not covered.

Max Bupa Health Recharge family Plan

Max Bupa Health Recharge is an affordable health insurance plan which is designed by keeping the needs of you and your family (your spouse and up to 4 children) in mind.

Features and Benefits of Max Bupa Health Recharge Family Plan

  • Max Bupa Health Recharge Family plan is a pocket-friendly health insurance plan that is designed keeping individual and his/ her family that is the spouse and up to 4 children in mind.

  • If the insured or the family members are hospitalised then the cost of medical treatment is covered.

  • Day care treatment in which the policyholder does not have to be admitted in the hospital for more than 24 hours for the treatment is covered.

  • The policyholder has to mandatorily choose an annual aggregate claim deductible amount with Max Bupa health Recharge family plan.

  • The policyholder gets a cover for pre-hospitalisation for 60 days & post hospitalisation medical expenses for 90 days incurred due to illness/injury.

  • If ambulance required to transfer the policyholder to the nearest hospital in emergency condition up to Rs. 1,500 per hospitalisation.

  • The policyholder gets an additional 5% of expiring base Sum Insured up to at any time a maximum of 50% of base Sum Insured of that policy year benefit.

Eligibility of Max Bupa Health Recharge family Plan

The minimum eligibility age for adults under this policy can be from 18 years to maximum eligibility for 65 years. The entry age for dependent children is from 91 days to 25 years.

Loyalty Additions Available
Pre and post Hospitalization 60 & 90 days
Free Look Period 15 Days
Renewal Lifetime

Exclusions of Max Bupa Health Recharge family Plan

  1. Any loss or damage caused due to participation in some hazardous activities is excluded from the insurance policy.

  2. Any treatment such as cosmetic surgery, obesity and weight control program is also not covered under the Max Bupa Health Recharge family Plan.

Max Bupa Health plus Individual

It is a new health insurance plan which is designed to safeguard your family's health and well being. It offers coverage for overage for hospitalization expenses, pre & post hospitalization expenses, day care treatment, organ transplant & alternative treatment like Ayurveda, Unani, Sidhha and Homeopathy.

Benefits and features of Max Bupa health plus individual

  • Max Bupa Health plus Individual cover the Medical Expenses incurred on the Insured Person's Hospitalization following an Illness or Injury that occurs during the Policy Period.

  • Medical Expenses incurred on the Insured Person's Hospitalization during the Policy Period for treatment under Ayurvedic, Unnani, Sidha or Homeopathy,

  • The Medical Expenses incurred for the Insured Person's Domiciliary Hospitalization following an Illness or Injury that occurs during the Policy Period.

  • If an Insured Person is required to be admitted to the Intensive Care Unit of a Hospital solely and directly due to an Illness, then he is paid twice the Daily Cash specified in the Certificate of Insurance for each continuous and completed a period of 24 hours of admission in the Intensive Care Unit.

No Claim Bonus Maximum 100%
Policy Tenure 1 Year
Free Look Period 15 Days
Renewal Lifetime

Exclusions of Max Bupa Health Plus Individual

  1. Any type of treatment expense that occurs because of any oral or/ and dental treatment of the policyholder is excluded from the policy.

  2. Any expense that occurs because of any sexually transmitted diseases such as HIV, AIDS, and other illness then the policyholder is not offered any cover.

Max Bupa Health Plus Family Insurance

Max Bupa Health Pulse' provides health insurance offers the flexibility to choose the appropriate cover for your needs, but also gives you the option to choose from a varied list of benefits and rewards as per your requirements.

  • The Medical Expenses incurred towards Medically Necessary Treatment of the Insured Person in case of normal delivery, routine or elective Caesarean or Complicated Pregnancy during the Policy Period.

  • The expenses incurred on an ambulance during the Policy Period to transfer the Insured Person by surface transport following an Emergency.

  • The Medical Expenses incurred for a living organ donors Inpatient treatment for the harvesting of the organ donated during the Policy Period.

Domiciliary Hospitalization Available
No Claim Bonus Maximum 100%
Policy Tenure 1 Year
Free Look Period 15 Days
Renewal Lifetime

Exclusions of Max Bupa Health Plus family Insurance

  1. Any policy cover is not provided to the policyholder for Pre-existing Diseases until 48 months of continuous coverage from the first policy start date.

  2. Any Suicide or self-inflicted injury, whether the Insured Person is medically sane or insane is not covered.

Why Max Bupa Health Insurance?

Max Bupa Health Insurance have tailor made offers for the customer keeping in mind their requirements, need, cover, family members, age and income. Max Bupa Health Insurance has a health insurance plan for everyone. No matter if you are rich or poor, old or young, if you are diagnosed with some disease then you have to get a good treatment in order to get better and live life as desired.

Max Bupa medical insurance offers cashless hospitalization facility at 3,500+ network hospitals to the policyholder across India after receiving the request from the hospital. Not only this but Some specific Max Bupa medical insurance policies offer international cashless treatment to the policyholder for major critical illnesses like organ transplant and cancer through its global network in over 190 countries that make policyholder safe in a broader aspect and overseas.

The policyholder gets assistance without any hassle even in abroad. Max Bupa medical insurance offers a wide range of health insurance plans that are suitable for the entire family from newborn babies to senior citizens under a single policy. Above all, during making the claim, Max Bupa insurance policy offers direct claim settlement as there is no involvement of a TPA that save time and give a better facility to the policyholder. The incurred claim settlement ratio of Max Bupa Health Insurance for F.Y. 2017 - 18 is 50.19% which is quite attractive.

How I Can Buy Max Bupa Health Insurance Plan Online

This is the age of technology and everything is just a click away. But, not everyone has good knowledge of technology. The Max Bupa Health Insurance offer everyone an equal chance to buy health insurance policy. Basically there are three modes through which you can buy Max Bupa Health Insurance plan-

  1. Online: On purchase of this plan online your policy will be generated instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical check-up.

  2. Telephone: If you wish to know more about Max Bupa's Health Insurance Plans, you can talk to the specially trained sales team or your local advisor. Call Max Bupa Health insurance on Phone 1800 3010 3333 (Toll Free) between 9 am and 6 pm IST (Monday to Saturday) and select 'Click to arrange a call' to buy the policy over the phone or to fix up an appointment.

  3. Branch: If you want to have a one on one conversation about your health insurance policy then visit the max Bupa branch in your city and complete the full process of buying a policy at one place with all information.

Renewal Process of Max Bupa Health Insurance

The Max Bupa Health Insurance Policy is very simple to renew and it is very important to renew the policy as it ensures the happiness cover for you and your family. Renewal of Max Bupa Health insurance can be done in the following steps-

  • First, Policyholder has to log in at the Max Bupa's website. After logging into the company's official website, click on the 'Renew' tab to initiate Max Bupa health insurance online renewal.

  • Then you have to enter the previous policy number and click on submit.

  • Thereafter, you will be diverted in another page where you also have to enter Max Bupa policy number and 'Date of Birth' then again click on submit.

  • After that, the policyholder will get to know about his/ her respective premium quotes for this year

  • Then In the next step, one has to click on the 'Pay' button to proceed the Max Bupa health insurance renewal online.

  • Once you have done the payment successfully, you will receive a confirmation mail stating the completion of Max Bupa health insurance renewal online.

Note - the Max Bupa Health Insurance Policy must be renewed within the expiry date or if missed then it should be renewed within the maximum of 30 days of the expiry date. If policyholder misses doing the same then the continuity benefits such as pre-existing disease exclusion, cumulative bonus earned, 30 days waiting period and first-year disease exclusions, will not be granted to him/ her. Any Max Bupa Health Insurance Policy which is purchased after 30 days will be treated as a fresh cover, and we will not be liable to pay any claims occurring within the first 30 days of the renewal date of the Mediclaim for the family. Hence one has to be active about the renewal date in order to enjoy maximum coverage.

Max Bupa Health Insurance Claim Process

At the Max Bupa Health Insurance, making a claim is simple and convenient. The Max Bupa Health Insurance has an in-house claim settlement process team that processes the insurance claims within 30 working days from the time you receive your last necessary documentation.

There are 2 types of health insurance claims one can make with the Max Bupa Health Insurance -

Cashless Claim

The cashless claim can be made if the individual got treatment from the network hospitals of Max Bupa Health Insurance.

  • In the network hospital, fill up dually pre-authorisation request form. Policyholders can get the pre-authorization form available at the hospital's insurance/TPA Desk.

  • The duly filled authorisation form is sent to the insurer via email or fax.

  • After approval, the policyholder gets the benefit of cashless treatment.

  • The insurer can also send the inquiry to the hospital before authorisation.

If in case the insurance cashless claim is rejection, one can pay all bills and later apply for reimbursement claim.

Reimbursement Claim

  • The policyholder has to complete the necessary form and submit along with the required documents, as per the policy terms and conditions.

  • Necessary documents include discharge summary, prescriptions, original bills etc.

  • Then an Approved letter will be sent by the claim management team to the hospital. Remember that you will be answerable to any queries raised by the claim management team before the letter is issued.

  • In case the claim is rejected, the reasons will be communicated by the team and you have to make payment for the same.

Note -In case of any emergencies, you need to inform Max Bupa within 24 hours of admission to the hospital. But, In the case of planned emergencies, the notification has to reach the Max Bupa Insurance Company within 48 hours prior to the hospitalization. The claim intimation can be done via Max Bupa's toll-free number 1800-3010-3333. The same can also be emailed to customercare@maxbupa.com.

Exclusions of Max Bupa Health Insurance

  1. Any damage or loss that occurs due to injuries caused in certain situations like a riot, war, terrorist activities, nuclear weapons, etc. is not covered under the Max Bupa Health Insurance policy.

  2. Any loss or damage that is caused when the policyholder is the influence of any toxic medicines, Drugs, alcohol etc is excluded from the Max Bupa Health Insurance.

  3. Any loss or damage that is caused due to participation in aviation/marine activities including crew other than as a fare-paying passenger in an aircraft/watercraft that is authorized by the relevant regulations to carry such passengers between established airports or ports are also excluded from the policy cover,

  4. The Max Bupa Health Insurance does not cover any expense that occurs due to any cosmetic surgery, obesity or fat cutter surgery etc.

  5. If the policyholder tries and harms him/ her consciously or unconsciously such as the attempt to suicide due then no cover is offered to the policyholder.

  6. If the policyholder is involved in loss or damage that is caused by some nuclear contamination; the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature, it is not covered by the Max Bupa Health Insurance.

Max Bupa Health Insurance Review

We all try to work in a systematic manner in order to avoid any event that hinders our pace of happiness. But, sometimes, things are not in our hands. Many factors like, economic crisis, sudden job loss, education stress, personal problems increase the tension level. Among these, health problems leave a long time impact on life. Health problems are not something new to deal with. But, with time, the way of dealing with the health illness and disease have changed to a great extent. Now, as education sector is emerging with the great boost, people are getting aware about the need of insurance in our life.

Insurance market is flooded with various insurers claiming to be the best! Max Bupa Health Insurance is blooming as the mighty flower in the garden of insurance market. There are many health insurance companies in the Indian insurance market and Max Bupa is one of the most famous health insurance policies.Max Bupa Health Insurance is the finest example to receive best healthcare services at affordable prices. The easy and fast claim settlement service, market reputation has made it the best choice for all customers

FAQs

1. What is the requirement of Max Bupa Health Insurance plan?

Now a days. Health problem comes unannounced and one has to be actively ready to face no matter what comes on the way. Max Bupa Health insurance comes with various benefits and features for the policyholder that it becomes a must-

  • Max Bupa Health Insurance plan offers tailor-made health insurance plans that not only cover the newborn baby of the family but also, the senior citizens.

  • Max Bupa Health Insurance plan offers direct claim settlement without any TPA.

  • Max Bupa Health Insurance plan does not have any sub - limits under room rents and offers assured lifelong renewability to the policyholder.

2. What should be my general Checklist before Buying Max Bupa Health Insurance?

You have to be careful with all aspects of your Max Bupa Health Insurance, but in general, you can make a checklist and it consist of following points-

  • You have to compare all the plans which are provided by the Max Bupa Health Insurance and choose a sum insured option that provides enough coverage to suit the health needs of the individual and your family

  • Finalize the coverage amount broadly.

  • Finalize the add-on options to enhance the coverage option of your Max Bupa Health Insurance at a minimum premium amount increase.

  • Read the policy document completely and Check the waiting period and exclusions of the Insurance Policy.

  • Keep all your documents ready and handy such as Id proof, Address proof etc.

3. What is called Free Look Period?

Satisfaction is the utmost factor when anyone buys the insurance policy. Free look period is just what you need when you are unsure about your health insurance plan.

If you are unsatisfied with your policy, you have a 15 day free look period during which you can cancel your policy simply by stating your reason. The free look period will be 30 days if the Policy is purchased through distance marketing mode and Policy Tenure is 3 years.

4.What is Customer grievance redressal of Max Bupa Health Insurance?

Max Bupa Health Insurance has a customer grievance redressal mechanism that gives policyholders the platform to lodge complaints. This can be done by calling the toll-free number or writing an email.

5. What the basic difference between a network and non-network hospital of Max Bupa Health Insurance? Can I get treatment anywhere?

Yes! You can get treatment in a network or non network hospital, but it differs with the claim. A network hospital is a hospital with which your health insurance provider has an official connection. You can enjoy cashless hospitalization in a network hospital. In a non- network hospital, you cannot avail cashless hospitalization and with this hospital, your health insurance provider does not have any tie up. Depending on the Max Bupa Health Insurance policy, you can just get a reimbursement of your expenses during the treatment of policyholder from non - network hospitals.

6. What is a pre-existing disease or condition under the Max Bupa Health Insurance?

Any illness, injury, disease or condition detected, treated or diagnosed before 48 hours of purchasing the policy is considered a pre-existing condition or disease.

7. Is there are any tax benefits?

Yes. You can avail a tax benefit available under Section 80D of the Income Tax Act 1961 by buying the Max Bupa health insurance policy. Section 80D benefit is over and above rebate under Section 80C. (Note -Tax benefits are subject to changes in the tax laws; please consult your tax advisor for more details).

8. My spouse and I live in different cities, can we still get a cover in single Max Bupa Health Insurance policy?

Yes, you can cover yourself and your spouse residing anywhere in India under one Max Bupa Health Insurance Policy.

9. What is the Basic tenure of health insurance policies offered by Max Bupa Health Insurance?

Ideally, you can buy the Max Bupa Health Insurance policy for a period of 1 or 2 years. To be noted, if you purchase a policy for two years, you will get assured discount. But, this offer is applicable for Heartbeat and Health Companion Health Insurance plans only.

10. Is medical check up compulsory before renewing Max Bupa Criticare Health Insurance plan?

No, usually medical checkups are not needed for the renewal of Max Bupa Criticare Health Insurance policies. Whereas it is suggested and necessary to get new health insurance while one sign up for the new Max Bupa Criticare Health Insurance plan.

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