Max Bupa – Family First (Health Insurance plan)

Features (Gold*):

Hospital Accommodation - Single Private Room

In-patient Care (Hospitalisation)
We cover cost of medical treatment while you or your insured family members are hospitalized for treatment.

 Pre & Post Hospitalization Medical Expenses
We reimburse medical expenses incurred due to Illness up to 30 days period immediately before you get admitted to a hospital and 60 days immediately after you get discharged from a Hospital.

All Day Care Treatment Covered
We cover all day care Treatments, not a select few. However, such a procedure should not be in the outpatient department of a hospital.

      Maternity Benefits

The plan provides you maternity benefits for up to two deliveries. This benefit is available after you have paid three continuous premiums and only if a minimum of three adult members(including atleast one male person) are included in the same policy

       Newborn Baby

The new born baby will be covered as an insured person from birth without additional premium, till the next renewal, if the delivery of the baby is covered under the policy. We also cover vaccination expenses of the new born baby for the first year if you add the baby in the policy for the next policy year.

       Any Age enrollment

We cover every member of your family across every stage of life.

       Health Relationship Program

You are eligible for our Health Relationship Program if the Policy is renewed with us without any break. Under this program, you are eligible for health services and products with a market value of up-to 10% of your last paid premium.

       Free Annual Health Check-Up

Cost of health check-up arranged for you with our empanelled service providers.

           Tax Benefit

You will save tax under Section 80D of the Income Tax Act when you buy a Max Bupa health insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

       Direct Claim Settlement

We believe you should focus on the treatment of your loved ones rather than running after claim settlement. Therefore, all claims are processed directly by our own customer services team.

        Assured Policy Renewal for Life

Once insured with us, you will always remain our customers. We assure you renewability for life with no extra loadings based on your claim history.

       Organ Transplant

Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered.

       Cashless Facility

You can access cashless facility at your nearest hospital.

           Domiciliary Treatment

In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; we pay for medical treatment taken at home, which would otherwise have required hospitalization.

           Emergency Ambulance

We also cover the ambulance expenses to transfer the policyholder following an emergency to the nearest hospital. These expenses are paid once we have accepted an In-patient claim.

           Free Look Period

We endeavor for transparency and complete satisfaction and therefore, our policies are transparent and easy to understand. If you are not satisfied, we provide a 15 day free look period within which you can cancel your plan stating the reason.

  Permanent Exclusions
Addictive conditions and disorders,  Ageing and puberty,  Artificial life maintenance, Circumcision, Dental/oral treatment, Conflict and disaster,  Congenital conditions, Convalescence and Rehabilitation, Cosmetic surgery, Drugs and dressings for Out-patient or take-home use,  Eyesight, Unproven/Experimental treatment, Health hydros, nature cure, wellness clinics etc.,  HIV and AIDS, Obesity,  Hereditary conditions, Genetic Disorder, Items of personal comfort and convenience, Alternative Treatment, Psychiatric and Psychosomatic Conditions, OPD Treatment, Reproductive medicine - Birth control & Assisted reproduction, Self-inflicted injuries, Sexual problems and gender issues,  Sexually transmitted diseases, Unrecognized physician or Hospital, Sleep disorders, Speech disorders, Treatment for developmental problems, Treatment received outside India, Unlawful Activity.

           What are the minimum and maximum policy durations?

You have the option of buying a health insurance policy for a period of one year or two years. You will be able to get discounts on purchase of a policy for two years. This is applicable for Heartbeat (Individual and Family Floater) and Health@Companion (Individual and Family Floater) plans on the premium for the second year only. At the end of your insurance period you need to renew your policy if you wish to continue being covered, without a break.

           Is there any tax benefit that one can avail of while purchasing Health Insurance?

Yes. You can avail a tax benefit available under Section 80D of the Income Tax Act 1961 by buying a health insurance policy. Every taxpayer can avail an annual deduction of Rs. 15,000 from his/her taxable income for health insurance premium for self and dependants. For senior citizens, this amount is Rs. 20,000. Please note that you will have to show the proof of payment of premium. (Section 80D benefit is different from the exemption of Rs 1,00,000 under Section 80 C). These benefits are as per prevalent applicable tax laws. We advise you to consult your tax advisor for further details or clarifications.

            Is a medical checkup necessary before buying a policy?

A medical checkup may be necessary when you sign up for a new health insurance policy. However, medical checkups are not usually needed for renewal of policies. It is in your best interests to undergo a medical check-up at the time of enrollment so that when you need us, we‘re there to provide speedy and efficient support and faster settlement of claims.

           What is 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’. The premium of the policy is also dependent on the annual insurance amount that you choose.

         My wife and children are residing at Chandigarh while I am here in Delhi. Can I cover all of us in one policy?

Of course. You can cover your family residing in India under one policy. Your health insurance policy can be used by you all across India. For cashless facility, all you need to do is check for a Max Bupa network hospital near your place of residence. You can also get your claims reimbursed if you get treated at a hospital which is not in Max Bupa’s hospital network.
*Options: Gold & Silver available.


Max Bupa is also dealing with following plans:
Heartbeat (Individual and Family Floater),
Health@Companion (Individual and Family Floater)

You can buy policy by calling: Mobile 09347848640(Naresh)



  1. Family Health Insurance: Family insurance is intended to supply medical attention to your immediate family just in case of accident, unwellness or straightforward routine exams and services like dental, check-ups and therefore the like. The coverage every policy and company offers, for the quantity you may be paying monthly is what you have got to match and meditated totally.

  2. Thanks for sharing the important points of view with us. It is really very nice blog. Medipta which describes to health insurance plans


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