Max Bupa Health Insurance

Max Bupa Health Insurance

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Max Bupa Health Insurance Company

Max Bupa Health Insurance Company is an Indian Insurance provider extending core services mainly in health insurance sector. It is a joint venture between Max India Limited and Bupa Finance Plc, a UK based healthcare group. This combined business enterprise was mainly targeted on permeating the health insurance business in the Indian market. The headquarters is situated in Delhi. The company has about 11 branch offices all over the country. The services are extended to individuals as well as organizations.

Bupa Group is the subsidiary of The British United Provident Association Limited (Bupa). It is the largest medical insurer in the UK in private sector. It has cemented its foundation in over 190 countries and caters to about 10 million customers.

Max India Limited is a diversified insurance player in the private sector. It has united with Mitsui Sumitomo Insurance Group, a Japanese healthcare giant and has been operating Max Healthcare jointly. It also owns a life insurance subsidiary named as Max Life Insurance. Max Neeman is a clinical research business which is also a fully owned subsidiary.

With a 90% customer satisfaction rating in its existing businesses, the Max group has unparalleled expertise in healthcare industry.This is exemplified by its strong presence in Life Insurance (Max Life Insurance), Healthcare (Max Hospitals) and Clinical Research (Max Neeman Clinical Research).

This is exemplified by its strong presence in Life Insurance (Max Life Insurance), Healthcare (Max Hospitals) and Clinical Research (Max Neeman Clinical Research).

A Rs. 8,562 Crore Group, Max has over 500 offices across more than 300 locations in India. In other words, more than 57,000 people strength, all focused on delivering satisfaction to 5.1 million customers in the country.

Recognition and Rewards

Max India Limited

  1. Max New York Life was declared a 'Superbrand' by Superbrands India in the 3rd edition of Consumer Superbrands 2008'.
  2. CII-Exim Bank Commendation Certificate for Business Excellence.
  3. CIO 100 Award for technology implementation.
Features Specifications
Network Hospitals 3500+
Waiting Period for Pre-existing Disease 4 years
Incurred Claims Ratio 51.96%
Number of Policies Issued 307007
Grievances Solved 100.00%
Renewability Lifetime

*For Year 2016-2017

Why Opt For Max Bupa Healthcare?

Health insurance cover is widely neglected in India. It is not comprehended that one can save precious time and financial resources by getting assured with a wholesome health insurance plan.

Max Bupa Health Plans are designed in such a manner that is successfully caters to the needs of every individual belonging to various segments of the society. Bearing in mind the different income levels of the people, the health insurance giant has categorized its products into three major classes.

Online Payment Facilities

The details of all the plans are available online. Thus, the customers have the convenience and ease of subscribing to their suitable plan from the comfort of their abode and at the click of few keys. The simplified and hassle free procedures attract more people to consider purchasing a health insurance plan since it is easy and concise. The clients can also compare and get well versed with the most suitable plans which fit their budget and needs.

The customers can even track their Max Bupa claim status on the internet. They can make premium payments over the web too.

Max Bupa Health Insurance Plans

The plans under Max Bupa are categorized under Individual, Family/Extended Family and Fixed Benefit.

The policies offered are: -

S.No. Max Bupa Health Insurance Plans
1 GoActiveTM Family Floater
2 Health Companion
3 Heartbeat Insurance Policy for Individual
4 Heartbeat - Family First Insurance Policy
5 Heartbeat - Family Floater Insurance Policy
6 Criticare Health Insurance Plan
7 Personal Accident- Health Assurance Insurance Policy
1. GoActiveTM Family Floater

GoActiveTM goes offers coverage against hospitalisation expenses as it takes complete care of your health. It gives you the flexibility to slect teh best one accyour neording to your needs, gives you the option to choose from a varied list of benefits and what's more, it rewards you for being healthy!

GoActiveTM not only cares for your health but your wealth too. It is a pocket-friendly health insurance plan that is designed keeping you and your family (your spouse and up to 4 children) in mind.

Features

  1. Cover cost of medical treatment when you or your insured family members are hospitalised for treatment.
  2. Cover cost of all types of hospital accommodation (except suite or above room category) without any capping on room rent charges (for Sum Insured of Rs.5 lacs and above).
  3. Reimburse pre & post hospitalisation medical expenses incurred due to illness/injury. The period of the treatment covered is 90 days before you get admitted to the hospital and 180 days after you get discharged from the hospital. This is subject to Max Bupa accepting the In-patient Care hospitalisation, Day Care or Domiciliary hospitalisation claim.
  4. 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.
  5. You can obtain second medical opinion for specified illness / planned surgery / surgical procedure.
  6. You can avail consultation/counseling from a psychotherapist/counselor over a call to provide support on pre-marital counseling, nutrition, stress, child, parenting, etc.
2. Health Companion

'Health Companion' is affordable & comprehensive, designed keeping in mind the individual and nuclear family (you, your spouse and upto 4 children) needs. A Direct claim settlement, cashless facility, and assured plan renewal for life are some of the key benefits.

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

Features

  1. Cover all day care treatments, not a select few. However, such a procedure should not be in the outpatient department of a hospital.
  2. In case you have exhausted your Base Sum Insured and No Claim Bonus partially or completely, under this benefit, you are entitled for an additional sum insured equal to the base sum insured for a subsequent claim in the same year, provided it is for an unrelated illness.
  3. In case you have exhausted your Base Sum Insured and No Claim Bonus partially or completely, under this benefit, you are entitled for an additional sum insured equal to the base sum insured for a subsequent claim in the same year, provided it is for an unrelated illness.
  4. 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.

Variant 2

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

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

  1. Cover the cost of all types of hospital accommodation (except suite or above room category) without any capping on room rent charges.
  2. Cover all day care treatments, not a select few. However, such a procedure should not be in the outpatient department of a hospital.
  3. Avail In-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the base sum insured.
  4. 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.
  5. 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.

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

  1. Cover the cost of medical treatment when you or your insured family members are hospitalized for treatment.
  2. Cover the cost of all types of hospital accommodation (except suite or above room category) without any capping on room rent charges.
  3. Avail In-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the base sum insured.
  4. When you take a policy for two years, you get a 12.5% discount on the second year premium.
3. Heartbeat Insurance Policy for Individual:
  1. The amounts of sum assured under this plan are INR 2, 3 and 4 lakhs
  2. The coverage provided is 30 days of pre-hospitalization expenses and 60 days of post-hospitalization expenses.
  3. It provides an add-on benefit of domiciliary treatment expenses. Treatment at home will be covered under this plan.
  4. Maternity expenses are provided for up to two deliveries, if both the partners are insured under the health plan for incessant two years.
  5. Medical expenses are covered if the family members of the individual are hospitalized.
  6. Cashless claim approved within four hours in a hospital present in the Max Bupa Health Insurance hospital list.
4. Heartbeat - Family First Insurance Policy:
  1. No age bar is applicable under this plan
  2. Hospitalization expenses are covered under this product.
  3. The policy tenure is 1 to 2 years.
  4. Coverage for newborns is provided right from the time of the birth without any additional payment of premium
5. Heartbeat - Family Floater Insurance Policy:
  1. Cashless treatment available at more than 3500 hospitals across the country.
  2. The amount of sum assured could be 2 lakhs or 3 lakhs.
  3. The rest features are the same as the other plans.
6. Criticare Health Insurance Plan

This plan safeguards against the untimely diagnosis of life threatening critical diseases. This plan designed elaborately to cloak every pre-existing condition

  1. A lump sum amount is given to the insured when he or she is diagnosed with any critical illness covered under the policy, if the insured survives for at least 30 days after the diagnosis.
  2. The diseases covered under this plan are first heart attack, cancer, bacterial meningitis, kidney failure, major organ transplant, speech loss, deafness, permanent paralysis and stroke.
  3. The eligibility criteria for this plan holds valid only for individuals in the age group of 18 to 65 years.
  4. The plans hold the tenure for 2 to 3 years under this package
  5. Direct claim settlement available
7. Personal Accident- Health Assurance Insurance Policy:

AccidentCare Insurance Plan provides cover not just in the case of accidental death but also for permanent total or partial disability, along with a host of other benefits.

  1. The eligibility for this policy is 18-65 years for adults and children in the age group of 5 to 21 years
  2. The policy term under this plan ranges from 2 to 3 years.
  3. Sum payable is 100% on the occurrence of the event.
  4. In case of total permanent disability, 125% of the sum assured is paid and in partial disability 100% of the amount is payable.
  5. Worldwide coverage can be enjoyed
  6. Guaranteed renewability for life
  7. Direct settlement of mediclaim by their own dedicated customer service team.
  8. If the insured has subscribed for a two year long policy tenure plan, then a discount is offered on such plans.

Why Purchase Max Bupa Health Insurance Policy?

Here are some motives why customers should buy Max Bupa medical health insurance for his or her health insurance wishes:

Cashless hospitalization: Max Bupa medical insurance gives cashless hospitalization at 3,500+ community hospitals throughout India within a half-hour of receiving the request from the clinic.

Complete coverage: Max Bupa offers medical health insurance policies with a sum insured of as much as Rs.1 crore. The coverage has low waiting durations.

International insurance: Max Bupa Heartbeat Platinum plan is a unique product that offers international cashless treatment for nine main critical ailments like organ transplant and cancer thru its worldwide community in over a 190 countries. Outpatient branch cover is available underneath this plan.

Maternity benefits: Medical health insurance plans supplied by Max Bupa covers maternity related expenses after a 1-year waiting period. A child born whilst a maternity claim is payable is automatically included until the next coverage renewal.

Health insurance plans for family: Max Bupa gives medical insurance plans for the entire family from newborn babies to senior residents underneath a single coverage.

Lifelong renewability: All health insurance plans offered by means of Max Bupa comes with a lifelong renewability alternative, furnished continuous payment of insurance premium.

Benefits Of Max Bupa Medical Insurance

Daily cash gain: For miscellaneous expenses, you could get a daily cash advantage of as much as Rs.4,000 in step with a day during the hospitalization period up to 45 days.

Direct claim agreement: There may be no involvement of a TPA. therefore, the claim agreement is direct and short.

Global-extensive insurance: Insured individuals can get cashless treatment at a community medical institution of Max Bupa medical insurance anywhere in the world.

Renewability for life: All health insurance rules offered by Max Bupa have lifelong renewability alternative.

Cut-price: Get a discount upon buying a 2-12 months policy. Cut price on premium relevant on pick out rules offered by Max Bupa medical insurance and that too handiest in the second year of the policy term.

Crucial illness plan: A lump sum quantity will be paid to the insured within the case of prognosis of a distinctive vital illness under the coverage, supplied she or he survives for 30 days submit prognosis.

Personal accident plan: With this rider connected to your base policy, you can get sum insured payout benefit in the case of a coincidence dying, everlasting overall disability or partial disability.

Tax benefit: Get tax deduction on premium paid in the direction of a health insurance coverage under phase 80D of the Income Tax Act, 1961.

Max Bupa Health Insurance Renewal

All medical insurance by Max Bupa health insurance needs to be renewed every year for continued coverage benefits. A 30-day grace duration might be given the post premium payment due date to make renewal price. But, policy advantages will not be available all through the grace length. If the policyholder fails to renew the policy in the grace period, the coverage will lapse. Policy renewal can be completed online via the insurer's website. Enter your policy details on the internet site to recognize the renewal premium amount and pay through internet banking, credit card or debit card.

How To Report A Claim With Max Bupa Medical Health Insurance?

There are 2 forms of claims you can report with Max Bupa:

Cashless claim: Go to a network medical institution and display your health card with a valid photo identification at the hospital desk. The hospital will verify your identity and post a pre-authorisation request to the insurer or TPA. The coverage business enterprise or its third party Administrator will file the request and share approval with the hospital. In the case of a rejection, the insured member has to clear all dues from his/her own pocket, and later make a compensation claim for the fees incurred. Within the case of approval, the coverage company will settle the bill directly with the hospital.

Repayment claim: inside the case of deliberate hospitalization, intimate the insurer forty-eight hours previous to admission. Pay the clinical bills upfront, from your pocket. at the time of discharge, collect all of the original clinical documents and put up it to the insurer along with a duly-filled and signed claim form that is available at the insurance company's internet site. The claim might be processed and accredited as in keeping with the phrases and conditions of the policy.

FAQs

1. Why is it vital to have a health insurance policy?

A health insurance policy helps you to fight against unwanted medical emergencies. With the rising medical expenses, it is very important o ensure you and your family's health by buying health insurance policies. You can get cashless hospitalization for more than 24 hours with the help of these policies.

2. What is a health card?

A health card is basically a part of your health insurance policy. It allows you to enjoy the benefits of your health insurance policy.

3. Where I can avail cashless hospitalization?

You can easily avail cashless hospitalization only in the network hospitals of Max Bupa by showing your health card to the hospital authority.

4. What the difference between a network and non-network hospital?

A network hospital is a hospital which has tie-ups with your insurance company. 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.

5. As I already have health insurance for myself and my wife from my employer, do I need to buy a separate policy?

It's very good to invest in an alternative health insurance policy to be on the safe side. Because, once you leave or change your present job, your company insurance policy will not cover you and your wife's medical expense. Apart from that, a separate policy can be an added advantage in case your medical expense is higher than your existing coverage level.

Max Bupa Claim Form

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Customer Reviews

Write A Review

Karan, Nagpur
- Reviewed On 25-04-2018
"Average"

Max Bupa Health Insurance was recommended by friend. I have paid around 4000 to 5000 rupees.

Komal, Kanpur
- Reviewed On 23-04-2018
"Nice coverage "

They have provided 3Lakh coverage for me and 6 Lakh coverage for parents.I pay a premium around 6000rs

Ajeet, Lucknow
- Reviewed On 20-04-2018
"Satisfactory"

I been using the services from Max Bupa for the last 2 years. I have taken a Health Assurance Insurance Policy from them. The medical coverage is good.

1

Aggregate Rating for Max Bupa Health Insurance Company Limited Insurance   [ 3  ]

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