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 comprehensive health insurance plans that cover all hospitalization expenses (including COVID-19), critical care, and accident care needs. The company proudly promotes a healthy lifestyle and eating habits with the help of rewards and allows the insured members to track their health via 'Max Bupa Health App'.

Highlights of Max Bupa Health Insurance Plans

Network hospitals5000+
Number of agents34000+
Claim ratio (2018-19)54%
RenewabilityLifelong
24*7 AssistanceAvailable
Quick Doctor ConsultationAvailable in most plans

Let's take a look at the plans offered by the company.

Max Bupa Health Insurance Plans

1. Max Bupa Health Companion Plan

Max Bupa Health Companion Plan is a comprehensive health insurance plan that comes with a list of useful features to look 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.

Plan Details:

PLAN TYPEVARIANT 1VARIANT 2VARIANT 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

**Last Updated on 15-01-2021

Key Features:

  • The policy covers all types of hospitalization charges without any room capping rent charges (except for suite or above room category).
  • Alternative treatments such as Ayurvedic, Homeopathy, Siddha, and Unani are also covered.
  • Expenses related to emergency ambulance, living organ donor's transplant, 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.

2. Max Bupa Health Premia Insurance Plan

Max Bupa Health Insurance Highlight

Max Bupa Health Premia is a comprehensive 360-degree health insurance plan that covers all the health needs of you and your family in India as well as abroad. The plan provides the following 3 variants to choose from:

Plan Details:

PLAN TYPESILVERGOLDPLATINUM
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

**Last Updated on 15-01-2021

The values may change as per the chosen plan option.

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

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.

Plan Details:

Entry AgeChild: 91 Days
Adult: 18 Years to 65 Years
Base Sum InsuredRs.4 Lakhs - 25 Lakhs

**Last Updated on 15-01-2021

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 unavailability of a hospital bed or on the doctor's advice, the policy will reimburse you for the medical treatment taken at home.

4. Max Bupa Money Saver Plan

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

Plan Details:

Hospital CashUp to Rs.2000/day
Base Sum InsuredRs.10.5 Lakhs - 1 Crore

**Last Updated on 15-01-2021

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 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

5. Max Bupa Heartbeat Family Health Insurance Plan

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

Plan Details:

PLAN TYPEGold PlanPlatinum Plan
Base Sum InsuredRs.5 Lakhs - 50 LakhsRs.15 Lakhs - 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

**Last Updated on 15-01-2021

The values may change as per the chosen plan option.

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 (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.

6. Max Bupa Super Saver Plan

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

Plan Details:

Sum InsuredRs. 10.5 Lakhs - 1 Crore
Annual Health Check-upFrom 2nd policy year

**Last Updated on 15-01-2021

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.

7. Max Bupa Health Pulse Insurance Plan

Max Bupa Health Pulse is a pocket-friendly health insurance plan that not only looks after your medical expenses but also offers customized benefits and rewards.

Plan Details:

PLAN TYPEClassicEnhanced
Base Sum InsuredRs. 3 Lakhs - 10 LakhsRs. 3 Lakhs- Rs. 25 Lacs
Annual Health Check-upFrom 2nd policy year onwards

**Last Updated on 15-01-2021

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 its 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.

8. Max Bupa ReAssure Health Insurance Plan

Max Bupa ReAssure Health Insurance policy is specially customized to secure you and your family's health and financial well being.

Plan Details:

Base Sum InsuredRs. 3 lakhs-1 crore
Emergency AmbulanceUp to Rs.2,000/hospitalization
Health Check-upAnnually

**Last Updated on 15-01-2021

Key Features:

  • The plan offers a booster benefit, where one can get a 50% increase in 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.

9. Max Bupa Corona Kavach Plan

Max Bupa Corona Kavach policy is an effective way of safeguarding you and your family from COVID-19. To avail the benefits and coverage of this plan against hospitalization, one needs to be hospitalized for at least 24 hours.

Plan Details:

Entry Age18-65 years
Policy Tenure3.5 months, 6.5 months & 9.5 months
Sum InsuredRs.50,000 to Rs. 5 lakhs

**Last Updated on 15-01-2021

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.

10. Max Bupa AccidentCare Plan

Max Bupa AccidentCare 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.

Plan Details:

Entry AgeAdults: 18-65 years
Dependent Children: 2-21 years
Sum InsuredRs 5 Lakhs to Rs. 2 Crores

**Last Updated on 15-01-2021

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 SI to his/her family.

11. Max Bupa Health Recharge Plan

Max Bupa Health Recharge helps you to enhance your family's health insurance cover and offers you peace of mind.

Plan Details:

Emergency AmbulanceUp to Rs.1500/hospitalisation
Sum InsuredRs.2 Lakhs to Rs.95 Lakhs

**Last Updated on 15-01-2021

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.

12. Max Bupa CritiCare Plan

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

Plan Details:

RenewabilityLifetime
Sum InsuredRs. 3 Lakhs to Rs. 2 Crores

**Last Updated on 15-01-2021

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.

Why Should You Choose Max Bupa Health Insurance Policy?

The Max Bupa Health Insurance company ensures that the cashless claims are processed within 30 minutes across 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 don't become a financial burden. Thanks to the advanced technology, the company has introduced its app and chatbot 'CIA' to entertain the customer queries on time.

Apart from these benefits, most of the plans offered by the company provide loyalty or a no claim bonus that increases the cover every claim-free year. With the individual and floater plans, any Indian family (joint or nuclear) can be rest assured that their health and medical needs are fully taken care of.

How Does Max Bupa Calculate The Premium 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. Let's check out a few of those factors.

  • Age - The younger you 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 - 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 you for your treatments. In return, they charge high premiums.
  • Sum Insured - If you go with a high coverage amount, you have to shell out a higher premium against it and vice-versa.
  • Profession - The work you do for a living has a significant impact on the health insurance premium. If you are employed as a miner, construction work, 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?

There are plenty of options available in the market to buy Max Bupa health plans. But some of them may not offer the best experience and security that you desire. For a quick and time-saving process, consider buying from the company and PolicyX.com. Below are the steps for the same.

Through Max Bupa 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, the soft copy of the policy will be sent to your registered email address.

Through PolicyX.com

  • On the top right corner of this page, search for '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?

To promote comfort among its customers, Max Bupa demands them to file claims in two simple 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 Claim:

  • 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?

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.

FAQ's

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

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.

2. What are the exclusions of the Max Bupa Money Saver Policy?

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.

3. Will I have to deal with a TPA to file a claim for Max Bupa Health Insurance plans?

No, the company takes pride in direct claim settlement.

4. What medical expenses are covered under Max Bupa Health Insurance plans?

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

5. I suffer from dental problems. If I choose Max Bupa Health Insurance, will its expenses be covered?

No, that won't be possible.

6. Do I need to undergo a medical check-up to buy Max Bupa health plans?

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

7. Can non-Indian individuals buy Max Bupa health plans?

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

8. Can I trust Max Bupa for its health policies?

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

Page updated on 15-01-2021