Max Bupa Recharge Plan
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Max Bupa Health Recharge Plan

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 1e-Saver
Type 2Super Top-Up

Eligibility of Max Bupa Health Recharge Plan

Minimum Entry Age For Adult18 years
Maximum Entry Age For Adult65 years
Minimum Entry Age For Children91 Days
No. of Member in Family FloaterMaximum 6 members
No. of ChildrenMaximum up to 4
Sum Insurede-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 Adults
2 Adult + 1 child
2 Adults + 2 children
2 Adults + 3 Children
2 Adults + 4 Children

Key Features of Max Bupa Health Recharge Plan

Let's understand the Key Features of the Max Bupa health recharge super top up plan for a better understanding:

1 Free-look Period

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.

2 Policy Reinstatement

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.

3 Change In SI

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.

4 Grace Period

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.

5 Portability

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.

6 Initial Waiting Period

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.

7 Pre-Existing Disease Waiting Period

All the pre-existing diseases diagnosed in the insured can only be covered after a waiting period of 36 months.

8 Specific Waiting Period

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.

Why Should I Buy Max Bupa Health Recharge Plan?

  • Max Bupa Health Recharge Plan offers an e-opinion regarding any medical treatment or illness or surgery.
  • Availability of Pharmacy and Diagnostic Services.
  • This plan provides inpatient coverage for AYUSH treatments that includes Unani, Ayurveda, Homeopathy, Siddha, etc.
  • The plan comes with the option of lifetime renewability. It saves your pocket from financial stress caused due to medical emergencies and keeps you prepared to handle any critical/difficult situation.
  • Offers a comprehensive cover up to Rs. 25 lakh.
  • Get smart Top-up options for additional coverage.
  • Offers cashless facilities for medical treatment in network hospitals across India.

Benefits/Coverage of Health Recharge Plan

Here are some benefits and coverage of the Max Bupa Health Recharge Plan explained for your easy reference:

  1. Inpatient Care

    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.

  2. Hospitalization Accommodation

    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.

  3. Organ Transplant

    All the medical cost incurred in the treatment of the organ donor is covered under the Max Bupa Health Recharge Policy.

  4. Pre-Hospitalization

    All the medical expenses incurred a few days before the hospitalization is covered under the pre-hospitalization cover.

  5. Post-Hospitalization

    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.

  6. Daycare Treatment Cover

    The daycare procedure expense cover is also provided under the Max Bupa Health Recharge Plan.

  7. Domiciliary Treatment

    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.

  8. Alternative Treatment

    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.

  9. Emergency Ambulance

    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.

  10. Pharmacy and Diagnostic Services Coverage

    All the costs of medicines shall be borne by the insured as per the terms and conditions of this Health Recharge Policy.

  11. Loyalty Additions

    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.

  12. E-Consultations

    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.

  13. Personal Accident Cover (Optional)

    The Max Bupa Health Recharge Policy also provides personal accidental cover to its insured in case of death, partial disability, or permanent disability.

  14. Critical Illness Cover (Optional)

    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.

  15. Modification Of Room Rent (Optional)

    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.

  16. Annual Aggregate Deductibles (Optional)

    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.

  17. Tax Benefit

    The policyholder can enjoy tax benefits under section 80D of the income tax act on the premiums paid under the plan.

  18. Cashless Facility

    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 policy2Lakh3lakh/4lakh5lakh/7.5lakh/10lakh/15lakh/ 25lakh/40lakh/45lakh/ 65lakh/70lakh/90lakh/95lakh
Aggregate Deductible of 1yearE-saver - 10k, 25k, 50k
Super Top-up: 7L to 10 Lakh
Inpatient hospitalizationCovered 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 dayUp to 1% of Base Sum insured for a dayCovers a single room (private) up to the sum insured.
Pre-hospitalization medical costs60 days - Covered up to sum insured
Post-hospitalization medical costs90 days - Covered up to sum insured
Day Care treatmentCovered up to sum insured
Domiciliary treatment
Alternative treatment
Emergency AmbulanceCovers up to Rs. 1500/ hospitalization
E-consultationUnlimited consultations (tele /online)
Pharmacy and Diagnostic servicesAvailability of Pharmacy and Diagnostic services via our empanelled service providers
Coverage for Critical illnessFor 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

Sample Rates of Premium

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. The deductible has been assumed to be Rs. 3 Lakh.

Premium Payable by Individuals under Max Bupa Health Recharge Plan at different ages.

Premium under Max Bupa Health Recharge Individual 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.

Premiums at different sum insured under Health Recharge Plan

What Are The Exclusions Of the Max Bupa Health Recharge Plan?

The exclusions of the Health Recharge Plan have been mentioned below:

Suicidal caseNon-medical expensesDrug abuse treatmentUnlawful activitySelf-inflicted injury HIV related complexitiesDental or oral treatmentAlcohol addict treatmentExternal congenital anomalyInjury in conflict and disaster Mental and psychiatric treatment expensesHospitalization at the unrecognized health centerAYUSH in case of no hospitalization or hospitalization for less than 24 hours

How To Buy Max Bupa Health Recharge Plan?

You can either buy the plan from the company’s website or

Max Bupa Company's Website

  • Visit the official website of the company On the top, click on the 'Buy' option.
  • Enter all the required details and click on 'Find My Plan'.
  • Among all the available plans, select the best-suited plan to meet your needs.
  • Pay the premium online.
  • Once done, a soft copy of the policy will be sent to your registered email address.

  • On the top right corner of this page, search for the 'Calculate Max Bupa Health Insurance Premium' form.
  • Fill in the necessary details to get the list of quotes.
  • Choose the desired Max Bupa health plan and pay the premium.
  • After the payment, the policy will be shared on your registered email address.

How Can I Renew My Max Bupa Health Insurance?

Let's discuss the Max Bupa health insurance renewal process. Follow the below steps to renew your policy easily:

  • Visit the company's website and click on the 'Renew' option.
  • Enter your 14 digit policy number and click 'Submit'.
  • You will get the renewal premium amount.
  • Click on the 'Pay now' option to make the payment.
  • On successful payment, you will receive a policy transaction number. A new policy kit will be emailed to you within 48 hours.

Claim Process at Max Bupa

Cashless Claims

  • Get admitted to any one of the network hospitals associated with Max Bupa. You can check the list of network hospitals on the company's website.
  • Use your Max Bupa Health Card and show them your identification proof.
  • After validating your identity, the network hospital will submit the pre-authorization request form to the company.
  • The company will review your request and provide the confirmation to the network hospital by fax or email and share the same with you via text or email.
  • The company will settle the claim with the hospital after the completion of all formalities.

For Reimbursement Claims

  • If admitted to a non-network hospital, notify Max Bupa within 48 hours of hospitalization. In emergency cases, inform them within 24 hours of hospitalization.
  • You need to pay the treatment expenses to the hospital. During discharge, collect all the necessary documents, invoices, medical reports, and discharge certificates from the hospital.
  • Send the completed claim form (available on Max Bupa's website) along with the required documents to Max Bupa.
  • Max Bupa Health Insurance will review the documents and settle the claim (if approved) by reimbursing you for the amount.

Documents Required For The Claim Process

  • Valid ID proof.
  • The claim application form that is duly signed along with KYC documents
  • Summary of final hospital discharge documents
  • Consultation notes and/or reports of investigation outside the hospital.
  • All medical records since the start of the complaint.
  • Copy of Medico Legal Certificate. The certificate is duly attested by the concerned hospital.
  • FIR i.e., First Information Report.
  • Original reports of diagnostic tests, radiology reports, and payment receipts.
  • Original hospital bills and discharge certificate signed by the medical practitioner.
  • Others requested by the company

Max Bupa Important Links


1. What are the pre-existing diseases waiting period under the plan?

The pre-existing diseases waiting period is 36 months.

2. Are heart attack and kidney failure treatments covered under the plan?

Yes, they are covered under along with a few of the listed illnesses under the plan.

3. Does Homeopathic treatment get coverage 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.

4. What is the maximum sum assured under the plan?

The maximum sum insured under the plan is Rs. 4 Lakhs for E-saver variants and Rs. 25 Lakhs for super Top-up plan.

5. Till what age can the policy be renewed?

The policy comes with a lifelong renewal benefit.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.1/5 (44 Total Rating)

August 12, 2021

Khushwant Kumar


thanks policyx itna help karne ke lie. Good luck. Sahi plan mil gaya mere conditions ke hisaab se. Very happy.

August 11, 2021

Sudesh Chauhan


Pleased that a significant chunk of my hospital bills were covered with my max health plan. Special thanks to policyx who guided me during the buying process and got me a good plan.

August 11, 2021

Devesh Das


Thanx from the heart to team at policyx. I came in with no knowledge wanting to get my health insured. I bough a plan from Max and policyx guided me. So much thannks

August 11, 2021

Kritisha Verma


Appreciate all the help received at POlicyx! Saved me a lot of effort with their attention to detail. Got a nice deal from Max Bupa.

May 10, 2021

Patel Manoj bhai


It was my first time buying a health insurance plan for my family. Being recommended by a friend, I came to max bufa The website provided guidance throughout to help me find the right type of coverage

Last updated on August, 2021

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