Max Bupa Health Pulse Plan is tailored with a holistic approach that protects you and your family’s health and provides customized benefits and advanced insurance products. The plan is available for individuals and families. It offers coverage to a complete family with the sum insured range of Rs. 3 Lakhs to Rs. 10 Lakhs in two variants: Classic and Enhanced. These policies provide post-hospitalization, pre-hospitalization, daycare treatments, domiciliary treatments, and others. This is the comprehensive plan in which the policyholder gets yearly health check-ups along with all other benefits.
Max Bupa Health Pulse Plan offers customized benefits of great value. Let’s discuss them in detail:
Max Bupa offers health check-up to the policyholder annually. But this benefit is available from the second year of the policy.
This plan covers expenses up to the sum insured during pre and post-hospitalization.
Health Pulse Plan offers a quick and hassle-free claim process within 30 minutes. There is no co-payment at the claim processing time with Enhanced Plan.
It provides the flexibility to enhance your health cover along with the optional benefits such as e-consultation, personal accident, critical illness, etc.
Get the AYUSH treatments covered under this plan up to the sum insured that includes non-allopathic treatments.
Get the lifelong renewability option.
This policy covers the expenses incurred on the organ donor’s inpatient treatment up to the limit of the sum insured amount.
Here are some of the highlights of this plan:
|Type||Individual and Family Health Insurance|
|Sum insured||Up to Rs 10 Lakh|
|Policy term||1 year|
|Annual medical check-up||Starts from 2nd year of the policy|
|Freelook period||Within 15 days|
Let's understand the Key Features of the Max Bupa health pulse plan for a better understanding:
|Minimum Entry Age||18 Years|
|Maximum Entry Age||65 Years|
Enlighten yourself with the features and benefits of the policy before buying it.
The sum insured amount increases by 10% of the coverage amount for every claim-free year. This increase can be up to a maximum of 100%.
Max Bupa Health Insurance Pulse policy offers a free health check-up annually from the 2nd year of the policy onwards.
This plan covers the expenses incurred in the inpatient treatment of organ donor transplantation up to the limit of the sum insured.
Max Bupa Health Pulse plan offers coverage for the expenses incurred in inpatient hospitalization at network hospitals.
This plan provides coverage to the insured for daycare treatments for hospitalization for less than 24 hours up to the limit of the sum insured.
In the table below, we have illustrated the benefits and coverages that come under Max Bupa Health Pulse Plan. Let’s explore the table to help you make the right choice.
|Benefits of Max Bupa Health Pulse Plan|
|Base Sum Insured (1-year policy)||3 Lakh/4 Lakh||5 Lakh/7.5 Lakh/10 Lakh/15 Lakh/20Lakh/25 Lakh|
|Inpatient Treatment||Covered up to Sum Insured|
|Nursing Charges, Doctor’s Fees, OT Charges, Physiotherapy Charges, Medicine Expenses Prescribed by Medical Practitioner|
|Room Rent for a Day||Availability of Single Private Room or offers up to 1% Base Sum Insured||Availability of Single Private Room|
|Charges of Intensive Care Unit||Up to 2% Sum Insured (in a day)||Covered up to Sum Insured|
|HIV/AIDS||Covers treatment for HIV/AIDS on a 10% sum insured up to a maximum of Rs. 50,000|
|Pre-Hospitalization||30 days; Covered up to the sum Insured|
|Post-Hospitalization||60 days; Covered up to the sum Insured|
|Day Care Treatment||Covered up to Sum Insured|
|Organ Donor Transplant|
|Emergency Ambulance||Up to Rs. 1500/ hospitalization||Up to Rs. 2000/hospitalization|
|Refill benefit||Up to 100% of the sum insured|
|Health Check-up||Starts from 2nd year of the policy|
|Treatments for Mental Disorder||Covered up to the sum insured|
As we have discussed above, the Max Bupa Health Pulse plan is available in two forms: Classic and Enhanced.
|Coverage||Cover Available up to Rs. 10 Lakh||Up to Rs. 25 Lakhs|
|Cover Starts From||Rs. 3 Lakhs-Rs. 10 Lakhs||Rs. 3 Lakhs-Rs. 25 Lakhs|
|Refill Benefits||Covers up to 100% of the sum insured||Covers up to 150% of the sum insured|
|Health Check-up||Starts onwards from the 2nd year of the policy|
|No Claim Bonus||Offers 20% of No Claim Bonus||Offers 20% of No Claim Bonus|
|Premium Starts From||Rs. 8,339/ year||Rs. 8,339/ year|
Now let’s compare classic and enhanced variants of Max Bupa Health Pulse plans based on the premium payable for 1 year on a sum insured Rs. 5 Lakhs at different ages.
Premium Payable by Individuals under Max Bupa Classic and Enhanced Plan
This graph shows that the Premiums of Max Bupa Health Pulse Enhanced Plan are more than that of the Max Bupa Health Pulse Classic Plan. The cover for the Enhanced plan starts from Rs. 3 Lakhs to Rs. 25 Lakhs whereas classic has coverage that starts from Rs. 3 Lakhs to Rs. 10 Lakhs. So, Both are ideal plans but the selection depends upon the policyholder’s requirements, the coverage amount, and the sum insured options. If you are looking for an insurance plan that offers a good coverage amount, then you should opt for Max Bupa Health Pulse Enhanced Plan.
Max Bupa Health Pulse plan does not cover the following illnesses/conditions:
Sleep disordersCircumcision Self-inflicted injury Injuries related to war Drug abuse/Substance abuse Cosmetic surgeries External congenital anamolies Hazardous activities Conflict and disaster cases Unlawful activities
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Yes. Max Bupa Health Pulse Plan covers the expenses incurred on hospitalization due to the treatment of HIV/AIDS. This benefit is offered within 48 months from the first day of the policy.
No. There are no co-payments available under this plan.
If the policyholder is not satisfied with this plan, they can discontinue it within 15 days from the date of the policy’s inception. All the paid premiums are returned to the policyholder.
Yes. This plan offers tax benefits under section 80(D) of the Income Tax Act.
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Last updated on 31-03-2021
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