Max Bupa Health Companion Plan

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About Max Bupa Health Insurance Company:


Max Bupa is a JV between of Max India Limited and Bupa. While Max India Limited is an Indian company, Bupa hails from U.K. and is regarded as one of the best health care providers globally. To make the vision of developing into the best health insurance provider company in India, the company has deployed their best resources and has offered unmatched health care to the Indians.

The Max India Limited has a wide customer base in India that includes hospitals, life insurances, clinical researchers, etc. and has a good dealing with its client base. Similarly, Bupa boasts of its dominant services in health care sector for more than 6 decades. Spread in more than 190 countries Bupa holds a customer base of 29 million customers. The expertise of both the experts comes together and offers you the perfect mix of health and wellness for you and your family.

With its commitment to maintain a long-term relationship the company is devoted to offering the best services to you at the best-justified price

Max Bupa Health Companion Plan:


There come many times in life when we are not ready for the challenges. One such time is the medical or accidental emergencies. The health care services in the present era costs a fortune. Paying the huge costs of hospitalization, pre and post hospitalization care, various day care procedures or any accidental damage that might cause permanent and temporary disablement is not possible. Here Max Bupa Health Companion plan comes to your rescue and covers all you medical expenses smartly.

The financial support offered by Max Bupa Companion plan not only offers you monetary help but also a mental support of the help being readily available as and when you want it. The plan has all your medical needs covered and readily available as and when the problem hits you hard.

Max Bupa Health Companion Plan has following variables to offer:

Health Companion Plan for Individual : The plan covers all the medical expenses incurred by an individual out of medical sickness or any accidental harm.

Health Companion Plan for Family Floater : The Family Floater plan bears all the medical expenses for you, your spouse and up to 4 children. The plan very effectively covers all the medical expenses and makes your healthcare a simpler task.

Health Companion Plan Family First : This one of its kind health care plan is revolutionary in the sector of health care as it offers you a medical blanket cover for up to 19 members of your family. The plan has an individual sum insured for each family member as well as a floating sum insured that is for the use of everyone.

As per the requirement and the number of members in your family you may choose the best suitable plan. The complete details about the plans are as under:


Highlights:

The plan covers all the expenses of your hospitalization and you do not need to worry about them.

The expenses of pre and post hospitalization care are also covered by the health care plan.

The plan also covers any expense incurred for Ayush treatment that is Ayurvedic, Unani, Siddha and Homeopathic treatment. The cost covered is up to the base sum insured.

As an insured, you may avail the benefit of 1000 Rs. Per day as hospital cash

You may avail the cashless benefit as and when required.

Free health check-ups after 2 successful years of continual renewal of the policy.

The claims are settled directly and without much hassle.

The cashless benefit is available in International contingencies as well.

The premium paid offers you tax benefit as per the limit.

The Company also offers a free trial period that is of 15 days within which if unsatisfied you may stand your policy canceled stating any valid reason.

What does the plan cover?


Hospitalization:

Inpatient: The policy covers all the charges of your hospitalization which includes the cost of the room (no specific limit on the rooms), nursing and boarding charges. The fees paid to the nurses, surgeons, doctors, anesthetists or any consultant is also born by the company only.

Costs: The cost of various services and medical products such as blood, oxygen, medicines, glucose, saline, artificial limbs, pacemaker or any diagnostic test performed is covered under the policy. The cost of any procedure carried out for organ harvesting is also taken care off under the policy.

Pre and Post Hospitalization: The cost incurred in pre and post hospitalization care is also inclusive in the plan. The term for pre-hospitalization is 30 days prior to the admission to the hospital and for post-hospitalization is 60 days after the discharge from the hospital. The above feature is only applicable if the concerned file for an in-patient care hospitalization claim which gets approved.

AYUSH Coverage: An exceptional benefit offered by Max Bupa Health Insurance Company, the AYUSH facility covered your medical expenses incurred in Ayurvedic, Unani, Siddha and Homeopathy treatment techniques. The amount covered is equal to the base sum insured as per your plan.


Renewal Benefits:

Every time you renew the services you are entitled to following benefits:

No Claim Bonus: If you hit a claim free year you get an additional rise of 20 percent on the sum insured. The benefit stretches to a maximum of 100% of base sum Insured and not more than that. This benefit is only applicable if the claim is free from any penal accusation.

Free health checkups: Complementary health checkups with the chain of Max Bupa certified health service providers for the dependent and his/her family.

Emergency Ambulance service: The cost incurred for emergency ambulance transport/service is well covered under the plan.

Animal Bite: In the case of animal bite, the treatment cost for the OPD’s is covered on a reimbursement basis. The cost thus covered ranges up to 5000 Rupees.

Hospital Cash: You may also get benefitted with Rs. 2000 per day as hospital cash. This amount is effective for a period of 30 days and can be enjoyed in addition to the inpatient benefits.


What is not covered under the plan?

Following costs are not covered under the policy:

Any cost pertaining to any addictive treatment or any such disorder.

The cost incurred in circumcision, dental or oral treatment, congenital disorders, disaster or conflict, cosmetic surgery, eye treatment for sightseeing, any experimental treatment.

The plan also does not cover for some diseases like HIV, AIDS, hereditary conditions, sleep disorders and speech disorders.

Any treatment pursued outside India is also not covered under the policy.

Unlawful activities, attempt of self-harm, items purchased for personal comfort (lenses, spectacles, walkers, hearing aids, etc.), birth control or induced birth techniques, etc. are also prohibited under the plan terms.

Parameters Family First Family Floater Individual
Number of members covered Dependent and 19 other members of the family Dependent, spouse and up to 4 kids Individual
Hospitalization: Inpatients cover Yes Yes Yes
Room Rent Capping No No No
Pre-Hospitalization and post-hospitalization period 30 days and 60 days respectively 30 days and 60 days respectively 30 days and 60 days respectively
Hospital cash Variant 1: 1000 Rs per day
Variant 2: 1000 Rs. Per day
Variant 3: 4000 Rs. Per day
Variant 1: 1000 Rs per day
Variant 2: 1000 Rs. Per day
Variant 3: 4000 Rs. Per day
Variant 1: 1000 Rs per day
Variant 2: 1000 Rs. Per day
Variant 3: 4000 Rs. Per day
Emergency Ambulance cover Yes Yes Yes
Free health check-up Yes, on annual basis Yes, on annual basis Yes, on annual basis
Renewal charges Yes, 20% additional sum insured Yes, 20% additional sum insured Yes, 20% additional sum insured
AYUSH Coverage Yes Yes Yes
Organ donation Yes Yes Yes

Claim Procedure:

The claim procedure involves 6 key steps that are to be followed strictly. Here they are:

Step 1: Selection of the hospital : You may select any hospital as per your comfort and choice from the extensive list of our clinical partners. The recommended time to select the hospital before the hospitalization is at least 72 hours.

Step 2: Identification : You need to present the required documents at the identification desk before any other formality is initiated. For this purpose please carry your Max Bupa Health card or policy number with you along with any of the below-mentioned proof:
1- Passport
2- PAN Card
3- Voter’s ID
4- Driver’s License

Step 3: Confirmation : The helpdesk at the network hospital confirms the identity and precedes a pre-authorization form to the company.

Step 4: Approval : The pre-authorization form is approved from the company if no other documents are required. The time taken for approval is not more than 30 minutes.

Step 5: Hospitalization : A relationship manager is assigned who makes you transit smooth through the entire hospitalization period. You may get admitted and fulfil the required formalities.

Step 6: Payments : The payments are made on the basis of pre-approvals only and directly to the hospital.