Max Bupa Health Insurance

Max Bupa Heartbeat Individual

  • Different Variants to Choose From
  • No Minimum or Maximum Age limit
  • Tax Benefits and Discounts
  • Quick Claim Settlement Record
right arrow
- / 5 ( Total Rating)

Get Instant Quotes

Cover For
DOB
(eldest member)

Proceed

Max Bupa Heartbeat Individual Plan

Max Bupa Heartbeat is basically a comprehensive health insurance policy which is designed in a way that can easily offer cover to the insured member. The plan is liable to reimburse the cost of medical treatment done by a person for any injury, illness or accident. It provides coverage against the cost of hospitalization expenses incurred to undergo day-care treatments which do not require the person to be admitted in the hospital.

Health insurance has already become the need of the present era as the growing inflation rate is affecting the healthcare industry a lot. In such a scenario, a plan like Max Bupa Heartbeat Policy is one stop solution for all the health insurance needs. It will provide the on-time assistance so the insured person can easily deal with the unwanted medical emergencies. The affordable cost of this plan makes it the first choice of all customers. At an affordable price the plan is offering so many benefits to the insured and allows them to avail advantage of the same whenever they need it.

A health insurance policy is a must thing and we all agree to this but choosing the best can be tough for so many. But when it comes to Max Bupa Heartbeat, you can completely trust on this insurance plan as since its launch it never disappoints anyone. The plan is offering a wider range of benefits and helpful features that will surely help the insured in case of any emergency.

Highlights of Heartbeat Individual Health Plan

  • The policy is available in two separate variants like Gold & Platinum
  • You will get discount if you opt for a two-year policy term
  • Reward program
  • No minimum or maximum age limit
  • Tax benefit on premium paid under Section 80D of the Income Tax Act, 1961

Features of the Plan

Max Bupa Heartbeat Individual Health Insurance - Gold

  • Wider Cover Options
    Multiple options of comprehensive cover options of Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 30 lakhs, and Rs. 50 lakhs.
  • Inpatient Care Hospitalization
    The plan offer coverage to the insured against all hospitalization charges
  • PRE & POST Hospitalization Medical Expenses
    The plan will reimburse medical expenses that occur because of Illness up to 60 days immediately before you get admitted to a hospital and 90 days immediately after you get discharged from a Hospital.
  • Alternative Treatments
    The plan will also indemnify the medical expenses incurred on treatment taken under Ayurveda, Unani, Siddha and Homeopathy (AYUSH).
  • All Day Care Treatment Covered
    The plan offers coverage against all day care treatment. It is not limited to a few only. However, such a procedure will not be under the outpatient department and Diagnostic Services of a hospital.
  • Age Enrollment
    The plan will also cover the insured members across every stage of life.
  • Loyalty Additions
    If the Policy is renewed without any break, you will get Sum Insured enhancement (10% of base Sum Insured per annum maximum up to 100% of base Sum Insured)
  • Hospital Cash
    The plan offers Hospital Cash benefit, under which the company provides Hospital Cash up to a maximum of 30 days of Hospitalization for each continuous period of 24 hours of Hospitalization.
  • Health Checkup
    On-timely renewal of the policy without any break, the company will offer coverage against the cost of health check-up (only for Diagnostic Tests).
  • Organ Transplant
    Expenses that takes place because of an organ donor’s treatment for the harvesting of the organ donated is also covered.
  • Domiciliary Hospitalization
    Domiciliary hospitalization where the insured has to take the treatment at the home, the plan will cover such expenses as well.
  • Emergency Ambulance
    The plan also provides the coverage against ambulance expenses to transfer the policyholder following an emergency to a hospital.
  • Free Look period
    The plan comes out with a 15 day free look period within which you can cancel your plan stating the reason.

Max Bupa Heartbeat Individual Health Insurance - Platinum

  • Wider Cover Options
    The company offers comprehensive cover options of Rs. 15 lakhs, Rs. 20 lakhs, Rs. 50 lakhs and Rs 1 Cr.
  • In-Patient Care (HOSPITALISATION)
    The plan also offers coverage against the cost of medical treatment while you or your insured family members are hospitalized for treatment.
  • Hospital Room Category
    There is no limit on the hospital room category. International Treatment Support- It basically covers all treatments that take place outside India for the specified dread disease. Treatment in the USA and Canada can also be included by paying a little extra premium. Specified diseases include leukemia, lymphoma, and sarcoma excluding all tumors in the presence of HIV infection. Heart Attack (Myocardial Infarction), Coronary Artery Bypass Graft (CABG), Major Organ Transplant for heart, lung, liver, kidney, pancreas to treat the irreversible end-stage failure of the relevant organ human bone marrow using hematopoietic stem cells, etc. is also covered.
  • OPD Treatment And Diagnostic Service
    The plan is liable to offer cover against reasonable and customary expenses towards medically necessary consultation as an outpatient with a doctor.
  • Emergency Medical Evacuation And Hospitalization
    In case, where the hospitalization takes place outside the country, then the company will provide the required assistance in the medical evacuation of the Insured Person. It also covers the costs of transportation. The plan will cover Emergency Medical Evacuation within India if the condition requires air ambulance or commercial flight for evacuation purposes.
  • PRE & POST Hospitalization Medical Expenses
    The company provides cover against medical expenses up to 60 days period immediately before your hospitalization and 90 days immediately after you get discharged from a Hospital if we have accepted an In-patient Care hospitalization claim.
  • Alternative Treatments
    The cover will indemnify all the medical expenses incurred on treatment taken under Ayurveda, Unani, Siddha and Homeopathy (AYUSH).
  • All Day Care Treatment
    It covers all day care treatment, not a select few. However, such a procedure should not be in the outpatient department and Diagnostic Services of a hospital.
  • Maternity Benefits
    The plan is available for the injured female. She will be able to avail its benefit after two continuous years of the policy.
  • Newborn Baby
    The newborn baby will be liable to get the cover from birth without additional premium, till the next policy year if the maternity claim is admissible under the policy. The plan also provides coverage against vaccination expenses of the newborn baby for the first year on adding the baby under the policy for next year.
  • Loyalty Additions
    On renewing the policy without any break. The insured will be liable to receive a Sum Insured enhancement (10% of individual base Sum Insured per annum maximum up to 100% of individual base Sum Insured)
  • Hospital Cash
    You can go for Hospital Cash benefit, under which the company will. Hospital Cash up to a maximum of 30 days of Hospitalization for each continuous period of 24 hours.
  • Health Check-up
    If the Policy is renewed with us without any break, then the insured will be liable to avail the advantage of health check-up (only for Diagnostic Tests).
  • Organ Donor
    The medical expenses associated with the organ donor’s treatment for the harvesting of the organ donated is also liable to get covered.
  • Domiciliary Hospitalization
    In the case where there is a shortage of bed in the hospital, or the doctor advised to get the treatment at home, then this feature of the plan will offer the required over to the insured. Under the same, the insured can take advantage of treatment at home and the insurance company will cover the same as well.
  • Emergency Ambulance
    The plan also provides coverage against the ambulance expenses to transfer the policyholder following an emergency to a hospital. These expenses are paid once we have accepted an Inpatient claim.
  • Free Look Period
    In case where the insured is not satisfied, the plan offers a 15 day free look period within which you can cancel your plan by stating the reason.

Eligibility Criteria

Individual Plan Minimum Maximum
Entry Age Individuals of any age can be covered
Premium Paying Options Single pay
Policy Term 1 year 2 year
Sum Assured 1 lakh 50 lakh

Additional Benefits

Benefits Heartbeat Gold Plan Heartbeat Platinum Plan
Sum Assured 5 Lakhs, 7.5 Lakhs, 10 Lakhs, 15 Lakhs, 20 Lakhs & 50 Lakhs 15 Lakhs, 20 Lakhs, 50 Lakhs & 1 Crore
Health check up at the time of renewal Annual Annual Tests
Organ transplant when medically necessary Covered Covered
Emergency ambulance Covered at actual costs in Network Hospitals up to Sum Insured Covered at actual costs in Network Hospitals up to Sum Insured
Domiciliary treatment Covered up to Rs 25,000, Rs 37,500, Rs 50,000, Rs 60,000, Rs 80,000 & Rs 200,000 for 5 Lakhs, 7.5 Lakhs,10 Lakhs, 15 Lakhs, 20 Lakhs & 50 Lakhs respectively Covered up to Rs 75,000, Rs 1,00,000, Rs.2,50,000 & Rs 400,000 for 15 Lakhs, 20 Lakhs, 50 Lakhs & 1 Cr respectively
Health Relationship Loyalty Program Additional 10% sum insured of expiring Base sum insured up to a maximum of 50% of base sum insured 10% base sum insured up to at any time maximum of 50% of base sum insured
Outpatient benefits covering specialist consultation and costs of diagnostics tests prescribed by them Not Applicable Covered up to Rs 10,000, Rs 15,000, Rs 20,000 & Rs 40,000 for 15 Lakhs, 20 Lakhs, 50 Lakhs & 1 Crore respectively
Co-payment for insured less than 65 year old Options of 10% and 20% co-payment Options of 10% and 20% co-payment
Specified Illness Cover for treatment abroad Not Applicable Covered Worldwide excluding USA and Canada

Illustration (Example)

Mr. Desai, aged 32 years invested in an individual Heartbeat Plan for a Sum Insured of Rs.15 lakhs and a policy term of 1 year.

  • Option 1
    Later on he suffer from tonsillitis treatment that comes under the daycare procedure. As the plan offers coverage against the daycare procedures, so his bill of Rs. 30000 is getting covered under the plan.
  • Option 2
    In the case where the policy matures there will be no benefits for him under this plan.

We all know that medical emergencies do come without an invitation and sometimes dealing with the same is too hard. To deal with such scenarios, it is always good to have an effective health insurance plan like Max Bupa Heartbeat Individual that can fight against all unwanted medical emergencies.

Exclusions

The Plan will not be liable to offer cover against

  • Attempted suicide
  • Use of alcohol or drug
  • AIDS
  • Pregnancy, childbirth, miscarriage, and abortion
  • Congenital disease
  • Infertility and in vitro fertilization.
  • Hospitalization out of war, riot, strike and nuclear weapons

Why Go For Heartbeat Individual Plan?

To Invest in the Max Bupa Heartbeat Individual Health Insurance plan is easy and convenient. But if you are still confused about the decision of investing in this health insurance policy, then don't worry below-mentioned list will clear your all confusion associated with the plan:-

  • Direct Claim Settlement
    The company understands the importance of having the right treatment on time without any hassles that's why the company offers a direct claim settlement service. All claim get settled by own customer services team.
  • Cashless facility
    You can easily avail the cashless facility at your nearest hospital. The company do carry a wide list of network hospitals
  • 2-Year Policy Tenure
    With this effective plan, you can opt for 2-year tenure and avail discount.
  • Assured Policy Renewal for Lifetime
    The plan offers the lifelong renewability option with no extra loadings based on your claim history.
  • Tax
    With this plan, you will save tax under Section 80D of the Income Tax Act. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

Claim Process

To provide ease to the customers, the plan is come out with an easy and convenient claim process. Below are the required steps that you have to follow in case of filing claim under cashless facility

Step 1 - Choose a hospital from the list of network hospitals provided by the company. The company advises you to choose a hospital at least 72 hours before treatment.

Step 2 - For identification purposes, you must carry a few documents along with the Max Bupa Health Card or Policy Number:

  • Passport
  • Voters' Card
  • PAN Card
  • Driver's License

Step 3 - The network hospital will analyze the form and submit the same the same to the insurance company.

Step 4 - The insurance company will provide the required decision within 30 minutes when no further documentation is required.

Step 5 - You can easily get admitted to the hospital and can avail the required treatment and complete the formalities associated with the documents there. To simplify the whole process, the company will assign a relationship manager who will be there to help you.

Step 6 - The insurance company make payments pre-approved treatment as per policy terms and conditions.

In case of the reimbursement process, the insured have to clear the bills on his own and later the insurance company will reimburse the amount accordingly.

FAQs

1. Is it necessary to go for a medical checkup before buying the same?

Yes, a medical checkup is necessary when you sign a new health insurance policy. IN case of renewal there is no need for a health checkup. It is advisable to go for a medical checkup so that you can easily take advantage of the plan on time without any hassles.

2. What is meant by annual insurance cover?

The Annual Insurance Cover amount is the maximum amount payable during the year in the event of one or more claims. It is also known as ‘sum insured’ and ‘sum assured’.

3. How can I invest in this health insurance policy?

For your investment in this, you can take help of an online medium, which is very easy to use. By choosing the online medium you will get the policy kit and card instant. Moreover, you can call the insurance company directly for your purchase.

4. What are the minimum and maximum policy duration?

You have the option of buying a health insurance policy for a period of one year or two years.

5. What are the different modes available for payment if I go for the online medium?

You can pay with the help of your debit/credit card, net banking, etc. It accepts all digital payments.

Insurance Calculator