Health insurance is specifically designed to protect you and your family during hard times. Max Bupa ReAsssure plan is a comprehensive policy that offers a number of coverage options. This plan is tailored to secure your financial well-being with several features such as sum insured options up to Rs.1 Crore, unlimited reinstatement of sum insured, safeguards you against inflation, and provides cashless facilities at network hospitals. This plan motivates you to stay fit and active with its Live Healthy Benefit.
It is important to be aware of the Key features of your availed policy. Here, we are discussing the key features of the Max Bupa ReAssure Plan for your quick understanding:
It covers all the medical expenses incurred during hospitalization. This includes the coverage for room rent (no capping), fees of medical practitioners, operation theatre charges, investigative tests, medicines, etc.
This plan provides coverage for medical expenses one could generally incur during daycare treatments. The daycare treatments that require hospitalization of more than 2 hours such as angiography, dialysis, radiotherapies, and many more.
Max Bupa ReAssure plan offers coverage for modern treatments such as stem cell therapies, robotic surgeries, oral chemotherapy, cell therapy, etc.
Get coverages up to the sum insured of the medical expenses incurred in pre and post-hospitalization, 60 days before and 180 days after the hospitalization.
Offers coverage for AYUSH/Alternative Treatments that allows you to go for Ayurveda, Unani, Siddha, and Homeopathy treatments.
You can get coverage of all the medical expenses incurred for inpatient treatment of organ donors.
As we have discussed above the Key Features of the Max Bupa ReAssure Plan. Here we have summarized the major highlights of this plan. Let's go through the table.
|Sum Insured||Rs. 3 Lakhs to 1 Crore|
|Health Check-up||Availability of Annual Health Check-up|
Let's understand the Key Features of the Max Bupa health recharge super top up plan for a better understanding:
|Minimum Entry Age||Children -90 Days |
Adult - 18 years
|Maximum Entry Age||Children -30 years |
Adult - 65 years
|Number of members covered||This plan involves a maximum of 6 members in several combinations|
If you are hospitalized in a network hospital, then you are required to pay the daily amount of cash for 24 hours of hospitalization.
In this, the sum insured amount gets doubled within two claim-free years.
This plan offers several benefits such as family discount, doctor discount, tenure discount. For example, If 2 or more members are covered under an individual plan, then you can get a discount of 10% on the premium. For more information about different discounts, go through the Max Bupa ReAssure Policy Brochure.
This plan offers you a chance to change your decision of continuing with this policy within 15 days.
This plan offers coverage of the expenses incurred in medical treatments in case of home treatment.
Max Bupa Health App tracks and manages your health disorders. To avail of this benefit, you are required to collect the health points from Max Bupa App and get additional renewal discounts on premium.
This benefit offers unlimited reinstatement of the sum insured for any disease for anyone insured in a policy.
This plan offers tax benefits under Section 80 (D) of the Income Tax Act, 1961.
Policy for Individuals (for 2 members)
We have summarized the details of coverages that come under Max Bupa Health Recharge Plan. Please go through the table carefully and choose your plan wisely.
|Premium||100 each member|
|10% family discount||20|
|3 years Term discount (2nd year - 7.5% + 3rd year -15%)||40.5|
|5% Doctor's Discount||25|
|Premium without any discount||600|
|At the time of Renewal|
|2.5% discount on additional Auto-debit||11.9|
|Additional Live Healthy discount maximum up to 30%||138.8|
|Premium without any discount||600|
|Coverages under Max Bupa ReAssure Plan|
|Sum Insured Options||3 Lakhs, 4 Lakhs, 5 Lakhs, 7.5 Lakhs, 10 Lakhs, 12.5 Lakhs, 15 Lakhs, 20 Lakhs, 25 Lakhs, 50 Lakhs, 50 Lakhs, 75 Lakhs, 75 Lakhs, 1 Crore|
|Inpatient Treatment (no room rent capping)||Covered up to sum insured|
|Day Care and Homecare Treatment|
|Organ Donor Transplant|
|Pre and Post Hospitalization||Covers expenses related to Pre and Post Hospitalization, 60 days and 180 days respectively|
|Air Ambulance||Coverage for Cashless Claims - Covered up to sum insured |
Coverage for Claim Reimbursement - covered up to Rs 2.5 Lakhs
|Emergency Ambulance||Rs. 2000/hospitalization|
|Hospital Cash Benefit||Up to 5 Lakhs- Rs. 1000/ day |
Up to 7.5 Lakhs - Rs. 2000/day
Above 50 Lakhs - Rs. 4000/day
|Modern Treatments||Covered up to sum insured such as for robotic surgeries|
This table illustrates the premium payable by individuals at different ages for a Sum Insured 10 Lakhs.
Premium Payable by Individuals at Different ages under Max Bupa Health ReAssure Plan
The premium for Health Insurance is increasing with age due to the rise in health problems, doctor fees, medicine charges, cost of medical treatments, etc. There are other factors as well that play an important role in the calculation of premiums which are pre-existing illnesses/diseases, medical history of the family, gender, professions, any substance abuse addictions, etc.
Now let's see the premiums of the Max Bupa Health ReAssure Family Floater plan assuming the age of the family - Self: 30 years, Spouse: 28 years, and Children: 10 & 5 Years. Let's explore this graph.
Premium Payable by Families at Different ages under Max Bupa Health ReAssure Plan
Let's understand this with the help of an example:
Rahul and his entire family (his wife and children) are covered under this Max Bupa ReAssure family floater Plan for a sum insured of Rs. 10 Lakhs. If one of the family members is required to be hospitalized for the treatment of Coronavirus or any other diseases which are covered under this plan, at that time they can claim an amount equivalent to Rs. 10 Lakh along with the activation of ReAssure benefit.
Now from the next time, a claim amount of Rs. 10 Lakhs will be available, and ReAssure benefit gets activated at the starting of the first claim
If you have decided to buy this plan, inform yourself about their exclusions to raise smooth claims.
This plan will not cover the treatment done during the first 30 days of the plan unless the treatment is a result of an accident.
Note - This does not apply to renewable policies.
2 years of exclusion for certain diseases such as cataracts, hernias, internal congenital problems, etc.OPD treatmentsSex change treatment, Therapies related to Hormone replacement, cosmetic and plastic surgery. Dental/oral treatmentsSleep disordersAlcohol/drug or substance abuseSexually Transmitted Diseases such as HIVSelf-inflicted injuries or attempted suicide Adventurous or Hazardous Sports
You can either buy the plan from the company's website or PolicyX.com
Max Bupa Company's Website
Follow the below steps to renew your policy easily:
For Reimbursement Claims
Documents Required For Health Insurance
Hospital Daily Cash
Benefits of Health Insurance for Students
Reasons To Buy Health Insurance In Your 20s
What is Domiciliary Hospitalization
Introduction About Ayushman Bharat Yojana or PMJAY
Common Exclusions In A Health Insurance Policy
Yes, a medical check-up is required when signing for a new health insurance policy. However, health check-ups are not generally required for the renewal process.
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