Max Bupa Health Recharge Plan is a super top-up health insurance plan having both the options of individual and family floater plan. There is a concept of deductibles applicable under the plan. The insurance company is liable to pay any medical expenses being covered only after the insured has exhausted all the deductible limits.
There are two variants of the Health Recharge Plan:
|Type 2||Super Top-Up|
|Minimum Entry Age For Adult||18 years|
|Maximum Entry Age For Adult||65 years|
|Minimum Entry Age For Children||91 Days|
|No. of Member in Family Floater||Maximum 6 members|
|No. of Children||Maximum up to 4|
|Sum Insured||e-Saver-Rs. 2 Lakhs/Rs. 3 Lakhs/Rs. 4 Lakhs |
Super Top-Up-Rs. 5 Lakhs, Rs. 7.5 Lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 25 lakhs
|You can avail a family floater policy in any of the following combinations:||1 Adult + 1 child |
1 Adult + 2 Children
1 Adult + 3 Children
1 Adult + 4 Children
2 Adult + 1 child
2 Adults + 2 children
2 Adults + 3 Children
2 Adults + 4 Children
Let's understand the Key Features of the Max Bupa health recharge super top up plan for a better understanding:
Under Max Health Recharge Policy, a free look period of 15 days is provided to offline buyers and 30 days free-look period is provided to online buyers. Within the time duration, the insured can cancel the policy in case of any type of dissatisfaction with the policy or its terms and conditions.
In case the policyholder fails to pay the premium amount because of the different circumstances, consequently, the insurance policy gets terminated. Then at that time the insurance coverage can be reinstated/renewed.
In case there has been an increment in the insured's medical expenses, they can change the insured sum cover but at the time of policy renewal only.
Suppose the insured forgot to pay the renewal premium at the end of the policy year, then the insured does not need to worry as the plan provides a grace period of 30 days and the renewal premium can be paid within that time duration. Failure to make payment of the policy is subject to lapse.
In case of any type of dissatisfaction, the policyholder is free to port the insurance policy from one company to Max Bupa Health Insurance. Max Bupa Health Recharge Plan assures that the insured does not lose any of the benefits accumulated in the previous company.
The insured needs to serve an initial waiting period of 30 days under the Max Bupa Health Recharge Plan to claim any medical expenses covered under the plan.
All the pre-existing diseases diagnosed in the insured can only be covered after a waiting period of 36 months.
There is a list of illnesses that get coverage under the Max Bupa Health recharge plan, subject to the condition that the insured needs to serve a waiting period of 2 years to get the facility.
The Policy is designed for individuals and families. It offers various benefits over other companies which are discussed below:
Here are some benefits and coverage of the Max Bupa Health Recharge Plan explained for your easy reference:
All the members insured under individual and family floater plans are subjected to inpatient care coverage subjected to the condition that the hospitalization has been continuous for more than 24 hours.
The Max Bupa Health Recharge Plan provides coverage under hospitalization accommodation (for all those who have a sum insured amount of Rs. 5 lakhs and above) up to the single private room that too without capping on rent room charges.
All the medical cost incurred in the treatment of the organ donor is covered under the Max Bupa Health Recharge Policy.
All the medical expenses incurred a few days before the hospitalization is covered under the pre-hospitalization cover.
All the medical expenses incurred within a few days from the date of discharge of the insured are covered under the post-hospitalization benefit under the Max Bupa Health Recharge Policy.
The daycare procedure expense cover is also provided under the Max Bupa Health Recharge Plan.
In case the patient is not in a condition to travel to the nearest hospital or health center, or there is no availability of rooms in the hospital then under these circumstances, the insured gets domiciliary treatment coverage on the advice of a trained medical practitioner under this health insurance plan.
Health Recharge Plan also offers coverage for AYUSH treatment for inpatient hospitalization for not less than 24 hours. It covers Ayurveda, Unani, Siddha, and Homeopathy.
An emergency ambulance coverage facility is available under this health insurance plan. It is considerable in case of genuine inpatient hospitalization and the coverage is provided up to Rs.1,500 per hospitalization.
All the costs of medicines shall be borne by the insured as per the terms and conditions of this Health Recharge Policy.
There is an additional benefit provided to the insured under this health insurance policy in the form of a 5% increment in the base sum and it can be a maximum of 50% of the base sum of that policy year.
An e-consultation facility is available for an insured who has been diagnosed with a medical condition and the doctor has suggested them to undergo surgery.
The Max Bupa Health Recharge Policy also provides personal accidental cover to its insured in case of death, partial disability, or permanent disability.
Critical illness cover is also provided under the policy for diseases like cancer, CABG, open-heart surgery, heart attack, kidney failure, major organ/bone marrow transplant, etc.
In case the insured has a room rent option limited to 1% of the sum insured per day then the insured can get it modified to a single private room and it will be covered up to the sum insured subject to the condition that it is only available for deductibles more than Rs. 50,000 and SI up to Rs. 4 Lacs.
Deductible limits have been set between Rs. 10,000 to Rs. 1 lakh. The insured is free to choose deductibles within the limit at the time of buying the plan.
The policyholder can enjoy tax benefits under section 80D of the income tax act on the premiums paid under the plan.
Cashless facilities are provided to the insured under the Health Recharge policies at the network hospitals and health centers.
We have summarized the details of the coverages that come under the Max Bupa Health Recharge Plan. Please go through the table carefully and choose your plan wisely.
|Sum insured in the 1-year policy||2Lakh||3lakh/4lakh||5lakh/7.5lakh/10lakh/15lakh/ 25lakh/40lakh/45lakh/ 65lakh/70lakh/90lakh/95lakh|
|Aggregate Deductible of 1year||E-saver - 10k, 25k, 50k |
Super Top-up: 7L to 10 Lakh
|Inpatient hospitalization||Covered up to sum Insured|
|Nursing Charges for hospitalization|
|Medical practitioner fees|
|Physiotherapy, investigation, and diagnostics procedure|
|Charges of Operation theater, intensive care unit, prosthetics, and other devices, or equipment.|
|Room Rent for a day||Up to 1% of Base Sum insured for a day||Covers a single room (private) up to the sum insured.|
|Pre-hospitalization medical costs||60 days - Covered up to sum insured|
|Post-hospitalization medical costs||90 days - Covered up to sum insured|
|Day Care treatment||Covered up to sum insured|
|Emergency Ambulance||Covers up to Rs. 1500/ hospitalization|
|E-consultation||Unlimited consultations (tele /online)|
|Pharmacy and Diagnostic services||Availability of Pharmacy and Diagnostic services via our empanelled service providers|
|Coverage for Critical illness||For critical illness, various options are available from 1Lakh to 10 Lakhs|
|Cover for Personal Accidents |
Death due to accident
Permanent Total Disability due to accident
Permanent Partial Disability due to accident
|Various options are available: 1 Lakh, 2 Lakh, and 5 Lakh to 50 Lakhs|
This graph illustrates the premium payable by individuals and families for a 1-year policy at different ages for the sum insured of Rs. 10 Lakhs.
Premium Payable by Individuals under Max Bupa Health Recharge Plan at different ages.
As we have discussed the premium payable by individuals and family for Rs. 10 Lakh Sum Insured at different ages. Let's understand the premium payable at the different sum insured options such as 10 lakh, 25 lakh, 45 lakh, 70 lakhs, and 95 lakhs assuming the age to be 30 years.
Premium Payable by Individual and family under Max Bupa Health Recharge Plan at the different sum insured.
The exclusions of the Health Recharge Plan have been mentioned below:
Suicidal caseNon-medical expensesDrug abuse treatmentUnlawful activitySelf-inflicted injuryHIV related complexitiesDental or oral treatmentAlcohol addict treatmentExternal congenital anomalyInjury in conflict and disasterMental and psychiatric treatment expensesHospitalization at the unrecognized health centerAYUSH in case of no hospitalization or hospitalization for less than 24 hours
After going through all the details about this plan, if you have decided to buy Max Bupa Health Recharge Plan then you are required to follow the below steps:
Max Bupa health recharge super top up plan health insurance plan has been in high demand due to comprehensive coverage for both individual and family floaters. The coverage for a list of critical illnesses and amenities provided for the same have been liked by people to a great extent. This is a must-buy policy in the health insurance market.
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The pre-existing diseases waiting period is 36 months.
Yes, they are covered under along with a few of the listed illnesses under the plan.
Yes, homeopathic treatment gets coverage under the plan subjected to only one condition that is should be inpatient hospitalization for a continuous 24 hours.
The maximum sum insured under the plan is Rs. 4 Lakhs for E-saver variants and Rs. 25 Lakhs for super Top-up plan.
The policy comes with a lifelong renewal benefit.
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May 10, 2021
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Last updated on 31-03-2021
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