Max Bupa Health Premia Plan is a comprehensive health insurance plan that provides the right coverage and protection to you and your family as per your requirements. It offers every benefit that one can desire from maternity and newborn coverage to emergency medical treatments across India. Max Bupa Premia Insurance Policy provides a wide range of plan options along with constant innovation in its products and services. The high amount of coverage that involves advanced-age treatments and cashless facilities in 4800+ network hospitals makes this plan unique and one of the best.
The Insurance Company provides numerous benefits along with a wide range of coverage options when one decides to buy Max Bupa Health Insurance. But the major question that pops in the head of the insured is about the Key Features of the policy that they hold. Let’s discuss the key features of Max Bupa Health Premia for a better understanding of the policy.
Every Individual’s requirements vary as per their lifestyle, health conditions, etc. This plan offers a wide range of sum insured options, up to Rs. 3 Crores. The higher coverage options give you the flexibility to choose coverage as per your requirements.
Sometimes, medical treatment can drain all your hard-earned savings and may leave you in debt. Max Bupa Health Premia Plan covers all your medical expenses incurred in hospitalization such as room rent availability, consultations with a doctor, medicine expenses, daycare procedures/treatments, in-patient treatments, AYUSH treatments such as Ayurveda, Unani, Siddha, and Homeopathy.
Some of the treatments require hospitalization but some do not require you to stay at the hospital such as angiography, dialysis, endoscopy, and others. Max Bupa Health Premia is a comprehensive plan that provides coverage for these types of treatments.
Pre and post hospitalization expenses are covered up to the sum insured, for 90 days prior and 180 days post hospitalization respectively.
This plan offers you a maternity cover benefit across the world post serving a waiting period. Additionally, your baby also gets covered with a newborn baby benefit from the very first day that involves the vaccinations.
Note: Maternity Cover Benefit is not available under Max Bupa Individual Health Premia Plan
After studying the key features of the Max Bupa Health Premia Plan, we have summarized the highlights of this plan in a table. Let’s explore them out for a better and smooth understanding.
Type of Plan | Individual and Family Health Plan |
Sum Insured | Rs. 5 Lakhs to 3 Crores |
3500 Network Hospitals | 4800+ |
Cashless facility | Available and provides settlement in 30 minutes |
Benefits/Coverages | Loyalty benefit, Maturity benefit, Annual health check-up, Sum insured options, Free look period |
Renewability | Lifelong |
Type | Individual Plan |
Minimum Entry Age | Children - 90 days |
Adult - 18 years | Maximum Entry Age |
Children- 30 years | Adult - 65 years |
Number of family members covered | It covers up to 19 relationships in a family first variant. They can be Indian, foreign citizens, NRI |
1 Plan Variants
The Max Bupa Premia Plan by Max Bupa offers three plan variants based on the sum insured options, from Rs. 5 Lakhs to Rs. 3 Crore. The three variants are: Silver, Gold, and Platinum
2 Zonal Coverage
In India, the expenses incurred on healthcare can vary greatly across different cities. If you are a frequent traveler or are just looking for flexible treatment options anywhere in India, you should go for the Zone 1 Pricing option under this plan through which you can avail of a lower premium facility. If your work takes you across metro cities, the Zone 2 Pricing could be the better option for you as it covers treatment costs in Mumbai, Delhi-NCR, Thane, Kolkata, and Gujarat. There are other pricing options available as well. Please go through the policy documents and Max Bupa Health Premia brochures for more information.
3 Re-fill Benefit
This benefit can be availed if your Base Sum Insured and increased Sum Insured gets partially or completely exhausted during the Policy Year. In this case, the insurer will provide re-fill amount of up to 100% of the Base Sum Insured. This benefit can only be evoked once in a Policy Year.
4 Free Look Period
You have the option of discontinuing the insurance if you feel it is not the right policy for you and it does not suit your requirements. As per IRDAI, you can change your decision of availing this policy by discontinuing the services within 15 days.
5 Premium Waiver
Life is uncertain!! During the policy tenure, if an insured passes away or is diagnosed with a specified illness, then the premium will be waived off for the next year.
Note: Premium Waiver Benefit is not available under Max Bupa Individual Health Premia Plan
6 Policy Term
The policyholder can choose a policy of longer-term of up to 3 years.
7 Tax Benefits
This plan offers income tax benefits as per Section 80D of the Income Tax Act, 1961.
Max Bupa Health Premia Plan provides enhanced protection coverage against 20 critical illnesses such as Heart surgery, Cancer, Kidney failure, Heart strokes, etc. Additional coverage is provided as a lump sum amount upon the first diagnosis of any of the illnesses.
This plan provides a lump sum amount daily in case of hospitalization and covers miscellaneous expenses incurred during hospitalization.
Using this optional cover, a lump sum amount is paid in case of permanent and partial disability or accidental death. Anyone from the family can opt for this cover who is aged 18 years or above.
Max Bupa Health Coach App helps track your health parameters such as calorie intake, BMI, on a daily basis.
Medical conditions such as cataracts, a spinal disorder, etc. will be subjected to 12 months of the waiting period.
Factors | Silver | Gold | Platinum |
Coverage | Cover available up to Rs. 7.5 Lakhs | Cover available up to Rs. 50 Lakhs | Cover available up to Rs. 50 Lakhs |
Loyalty Bonus | Offers increase of 10% in sum insured yearly | - | - |
Health Check-up | Covers up to Rs. 1875/person | Up to Rs. 7500 per person | Up to Rs. 10,000/person |
Maternity Benefits | Up to Rs. 60,000/- | Up to Rs. 100,000/- | Up to Rs 2,00,000 across the world |
Sum Insured | Rs. 5 Lakhs - Rs. 7.5 Lakhs | Rs. 10 Lakhs - Rs. 50 Lakhs | Rs. 1 Crore - Rs. 3 Crore |
Premium Starts from | Rs. 12,488/year | Rs. 12, 488/year | Rs. 12,488/year |
Coverage for International Policyholders | - | Up to Rs. 30 Lacs/person | Up to Rs. 1 Crore/person |
In-Patient Care | Covered up to sum insured | ||
Room Rent | Covered up to sum insured (except for suite or above room categories) | ||
Pre Hospitalization | For 90 days - Covered up to sum insured | ||
Post Hospitalization | For 180 days - Covered up to sum insured | ||
Daycare Treatments | Covered up to sum insured | ||
Domiciliary Hospitalization | Covered up to sum insured | ||
Alternative Treatments | Covered up to sum insured | ||
Maturity Benefit (2 pregnancies or abortions are covered ) | For 5 Lakh - Covered up to Rs. 40,000 For 7.5 lakh - Covered up to Rs. 60,000 | For 20 lakhs - Covered up to Rs. 80,000 For 30 Lakhs - Covered up to Rs. 1,00,000 For 50 Lakhs - Covered up to Rs.1,00,000 | Covered up to Rs 200,000 (Worldwide) |
Health Check-up (from the first day of policy) | Annual Tests covered up to worth For 5 lakhs - Rs. 1250/insured person For 7.5 Lakhs - Rs. 1875/ insured person | Annual Tests covered up to Rs. 70,000 to Rs. 1,00,000 | Covers Annual health check-up up to Rs 10,000/ insured person |
Hospital Cash | Rs. 3000/day | Rs. 5000/day | Rs. 7500/day |
Here, the table illustrates the Premiums Payable by individuals and families for the Sum Insured Rs. 5 Lakhs assuming the age to be: Self - 30 years, Spouse: 28 years, Children: 10 and 5 years.
Age | Premiums for Individuals | Premiums for Family Plan |
30 | 12274 | 29509 |
40 | 16953 | 33447 |
50 | 27750 | 49532 |
Go through the graph for a quick and better understanding of the premiums of the Max Bupa Premia Silver Plan.
Premiums payable by individual and family at different ages under Max Bupa Health Premia Plan
Here, the table illustrates the Premiums Payable by individuals and families for the Sum Insured Rs. 10 Lakhs assuming the age to be: Self - 30 years, Spouse: 28 years, Children: 10 and 5 years.
Age | Premiums for Individuals | Premiums for Family Plan |
30 | 16436 | 40336 |
40 | 22081 | 45143 |
50 | 35708 | 64935 |
Premium payable by individual and family at different ages under Max Bupa Health Premia Gold Plan
Here, the table illustrates the Premiums Payable by individuals and families for the Sum Insured Rs. 1 Crore assuming the age to be: Self - 30 years, Spouse: 28 years, Children: 10 and 5 years.
Age | Premiums for Individuals | Premiums for Family Plan |
30 | 52391 | 119697 |
40 | 63627 | 129847 |
50 | 93994 | 174752 |
Premium payable by individual and family at different ages under Max Bupa Health Premia Platinum Plan
We have compared the three variants based on premium rates at different ages. Every variant offers different sum insured options. Gold and Silver are the ideal plans that fulfill the requirements of a policyholder but the Platinum plan offers coverage up to Rs. 3 Crore. The selection of the plan depends on your needs and the sum insured option you are looking for your financially stable and happy life.
As per the policy, benefits will not be available until 24 months (continuous coverage) from the first date when the policy starts.It does not cover the treatments which are done during the first 30 days of the planHazardous activitiesSexually Transmitted Infections and DiseasesUnlawful activitySleep disordersTherapies related to Hormone ReplacementCircumcisionExternal Congenital AnomalyInjuries due to warSelf-inflicted injuries
Following are the steps required to buy the Max Bupa Health Premia plan:
Benefits of Health Insurance in India
January 27, 2021
National Health Insurance Schemes in India
January 04, 2021
About Third-Party Administrator TPA in Health Insurance
December 27, 2019
1 Crore Health Insurance Plan
July 16, 2020
Dental Insurance - Covers and Benefits in India
December 26, 2019
Star Health Insurance Policy and Claim Status
May 20, 2020
1. Are Maternity and Newborn babies covered under this plan?
Yes. Maternity and Newborn baby coverage are available under the Max Bupa Health Premia Plan. You can utilize the coverage after serving the waiting period. The limit for the coverage varies as per their variants.
2. Does this plan offer any discounts to its insurers?
Yes, this plan offers various discounts. If you pay for a 2-year policy then you are eligible to get a discount of 7.5% on the premium of the second-year policy.
3. Can I get an optional benefit offered under this Max Bupa Health Premia Plan?
Yes. Various add-on benefits are available under this plan such as personal accident cover, critical illness cover, health coach, hospital cash, etc.
4. How much time does it take to process the claim settlement under this plan?
Max Bupa settles all the required claims in 30 minutes that helps your loved ones in case of hard times.
(Showing latest 5 reviews only)
February 26, 2021
December 3, 2020
One of my friends suggested me to buy Max Bupa from PolicyX.com. I am quite satisfied with the service
January 2, 2021
I am satisfied with the service as it is very easy to use and provides a good claim settlement process.
November 20, 2020
I got my claim today, the process is very quick. Very happy with the service. Keep Going with the good service.
August 20, 2020
Max Bupa provides good service and cashless benefits. Thanks to PolicyX.com. The agents are patient and helped me throughout the process.
Last updated on 31-03-2021
Get Instant Quotes
I took the health insurance plan for my family. Max Bupa is a nice company. Go for it. Thanks to Policyx.com, they helped me a lot.