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
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
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.
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
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.
FAQ:
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.
Source:
www.maxbupa.com
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)
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