Health Companion Health Insurance Plan - Health Companion
A cost-effective plan which provides you hosts of benefits including direct claim settlement, pre and post hospitalisation expenses and a cover of up to Rs 1 cr. Get assured renewal for life with this plan.
In-patient Care (Hospitalisation)We cover cost of medical treatment when you or your insured family members are hospitalised for treatment.
Hospital AccommodationWe cover cost of all types of hospital accommodation without any capping on room rent charges.
Pre & Post Hospitalisation Medical ExpensesWe shall reimburse medical expenses incurred due to illness. The period of the treatment which we will cover should be 30 days before you get admitted to a hospital and 60 days after you get discharged from the Hospital. This is subject to Max Bupa accepting the Inpatient Care hospitalisation claim.
All day care treatments coveredWe cover all day care treatments, not a select few. However, such a procedure should not be in the outpatient department of a hospital.
Refill BenefitIn case you have exhausted your Base Sum Insured and No Claim Bonus partially or completely, under this benefit, you are entitled for an additional sum insured equal to the base sum insured for a subsequent claim in the same year, provided it is for an unrelated illness.
AYUSH In-patientAvail In-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured
Renewal Benefit"You would be entitled to both the benefits as renewal benefit:
• No Claim Bonus
Increase in Sum Insured @20% of Base Sum Insured subject to the maximum of 100% of Base Sum Insured for each claim free year with no penalization in case of claim
• Complementary Health Check up
Avail complementary Heath Check up for yourself and your family once in two years so that you live a healthier and happier life "
2 year Policy Tenure OptionWhen you take a policy for two years, you get 12.5% discount on the second year premium.
Hospital Cash (Optional) Rs 2000/DayA lumpsum payment for each 24 hours of hospitalisation in addition to the in-patient treatment benefits is made. This benefit is over and above the sum insured. The benefit is payable for up to 30 days of hospitalisation.
Emergency AmbulanceWe also cover the ambulance expenses to transfer the policyholder following an emergency to the nearest hospital. These expenses are paid only if we have accepted the In-patient claim.
Organ TransplantMedical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered.
Domiciliary TreatmentIn 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 hospitalisation.
Vaccination in case of animal biteWe will cover Medical Expenses of OPD Treatment for vaccinations or immunizations for treatment post an animal bite. This benefit is available only on reimbursement basis and up to Rs.5,000.
Tiered Network OptionZone 1: Delhi/NCR, Mumbai(inc. Thane City and Navi Mumbai), Bengaluru, Chennai, Surat, Pune, Hyderabad, Kolkata, Ahmedabad
Zone 2: Rest of India
If you reside at any location in India outside Zone 1, you get the option to choose Tiered network option.
Choosing this option will provide you cashless facility in Zone 2 cities but only reimbursement facility in Zone 1 cities with 20% copayment.
This further provides a 10% discount for your premium calculation.
Any Age enrollmentWe cover families across life stages – from new born to senior citizens of any age. There is no maximum age for enrollment.
Tax BenefitYou 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.
Assured Policy Renewal for LifeOnce insured with us, you will always remain our customers subject to continued payment of premium. We assure you renewability for life with no extra loadings based on your claim history.
Direct Claim SettlementWe 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.
Cashless FacilityYou can access cashless facility at your nearest network hospital.
Free Look PeriodWe 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.
Information at your fingertipsAs a Max Bupa Policy holder you can access your details on our website containing your claims history, your favourite health information, your health profile, including records of tests you may have taken while enrolling with us.
UAN no.: MB/BR/2014-2015/398