Max Bupa Health Insurance

Max Bupa Health Insurance Overview

Max Bupa India is an organization formed by a tie-up between the UK-headquartered Healthcare service expert, Bupa and Max India Limited. Like all the other companies, Max Bupa Health Insurance Company also aims to be the finest health insurance provider in India. To fulfill this goal, the company has brought together their varied and vast knowledge and skills in the field of insurance.

Max Bupa Health Insurance has been in the in the industry since over six decades and a customer base of over 29 million in more than 190 countries. They have the expertise in health as well as in insurance-related services, such as life insurance, hospitals, and clinical research. They make a perfect choice for healthcare and Insurance since they have the all the knowledge in global expertise and local knowledge.

Through constant research and up gradation is constantly raising their bar in the health Insurance industry and caring for the customers and keeping their promises. Max Bupa Health Insurance aims at building a long-term rather a lifetime relationship with its customers.

Why Max Bupa Health Insurance Policies?

The current lifestyle of individuals has made them more prone to different diseases that require medical attention and the corresponding health care costs increasing at a rapid pace. Max Bupa health insurance Company, keeping in view the monthly earnings of an individual, which have no relative growth, offers an array of health insurance plans under three major Categories - Individual, Family/Extended Family, and Fixed Benefit. Therefore, it is wise for one to insure oneself against various medical emergencies that may occur so that the financial aspects of the loss are taken care of by the insurance company.

List of Max Bupa Health Insurance Policies

The Max India Company offers both online plans to customers.

• Health Companion Individual
• Health Companion Family Floater Policy
• Heartbeat - Family First Insurance Policy
• Heartbeat - Family Floater Insurance Policy
• Heartbeat Insurance Policy for Individual
• Health Companion Family First
• Hospital Cash - Health Assurance Insurance Policy
• Critical Illness - Health Assurance Insurance Policy
• Personal Accident - Health Assurance Insurance Policy

Let us take a look at each of them in details:

Max Bupa Health Companion Insurance Plan
Max Bupa Health Companion Individual

This Max healthcare is cost effective mediclaim plan and provides a lot of benefits, including direct claim settlement, pre and post hospitalization expenses, and cover up to 1crore. The features of this Max Bupa Health Insurance policy are as follows:

• This Max India covers medical expenses when the insured family members are hospitalized for treatments.
• Cover all kinds of hospital expenses including room rent charges without any capping of the charges.
• Medical charges incurred due to illness are reimbursed. The period of treatment should be 30 days before hospitalisation and 60 days after you get discharged; provided insurer accepts the Impatient Care Hospitalisation claims.
• On taking 2 years policy, 12.5% discount is given on 2^nd-year premium.
• Cashless hospitalization facility can be availed at the nearest network hospital.

Eligibility for Max Bupa Health Companion plan for Individual:

There is no limitation as to maximum age to enroll this Max healthcare Policy.

Max Bupa Health Companion Family First

This is a unique Max India insurance plan especially tailor made to suit the need the requirement of the joint family. It can cover up to 19 relations. The coverage includes the individual sum insured for each member of the family along with a floater sum insured, which can be utilized by any member of the family. The features of this policy are as follows:

• Cover medical expenses when the insured family members are hospitalized for treatments.
• Cover all kinds of hospital expenses including room rent charges without any capping of the charges.
• Under this Max Bupa Health Insurance, medical charges incurred due to illness are reimbursed. The period of treatment should be 30 days before hospitalisation and 60 days after you get discharged; Provided the company accepts the Impatient Care Hospitalisation claims
• All day care treatments are covered. However, the procedure should not be in the outpatient department of the hospital.
• On taking 2 years policy, 12.5% discount is given on 2^nd-year premium.
• Cashless hospitalization facility can be availed at the nearest network hospital.

Eligibility for Max Bupa Health Companion Family First Plan

There is no limitation as to maximum age to enroll this insurance Policy.

Max Bupa Health Companion Family Floater Insurance Plan

An affordable and comprehensive Max Bupa Health Insurance policy designed for the nuclear family (man, wife and up to 4 children). The features of the policy are as follows:

• Cover medical expenses when the insured family members are hospitalized for treatments.
• Cover all kinds of hospital expenses including room rent charges without any capping of the charges.
• Medical charges incurred due to illness are reimbursed. The period of treatment should be 30 days before hospitalisation and 60 days after you get discharged; Provided Max Healthcare accepts the Impatient Care Hospitalisation claims.
• On taking 2 years policy, 12.5% discount is given on 2^nd-year premium.
• Under this health insurance policy, the cashless facility can be availed at the nearest network hospital.
• Complimentary health check-up is available once in 2 years for the entire family.

Eligibility for Max Bupa Health Companion Family Floater Plan

There is no limitation as to maximum age to enroll this Max Bupa Policy.

Max Bupa Heartbeat Insurance Plan for Individual

This is an easy Mediclaim plan to buy which shall provide you with blanket cover for all the medical expenses. One can also avail international cashless coverage, direct claim settlement and other benefits. The features of the policy are as follows:

• Cover medical expenses when the insured family members are hospitalized for treatments.
• Medical charges incurred due to illness are reimbursed. The period of treatment should be 30 days before hospitalisation and 60 days after you get discharged; Provided Max Bupa accepts the Impatient Care Hospitalisation claims
• Maternity benefits are provided for up to 2 deliveries. Both the partners have to be covered in this policy for two continuous years.
• The newborn baby is also covered by default without additional premium until the next renewal.
• One can choose to get covered for two years continuously and get a discount.
• Cashless approval within 4 hours at a network hospital

Eligibility for Max Bupa heartbeat Insurance Plan for Individual

There is no limitation as to maximum age to enroll this Max Healthcare Policy.

Max Bupa Heartbeat - Family First Insurance Plan

A unique Max Bupa health insurance plan especially tailor made to suit the need the requirement of the joint family. It can provide coverage for up to 14 relationships, wherein individual sum insured for each family member is included along with a floater sum assured, which can be utilized by any family member. The features of the policy are as follows:

• Cover medical expenses when the insured family members are hospitalized for treatments.
• Medical charges incurred due to illness are reimbursed. The period of treatment should be 30 days before hospitalization and 60 days after you get discharged; Provided Max Bupa accepts the Impatient Care Hospitalisation claims.
• Maternity benefits are provided for up to 2 deliveries. Both the partners have to be covered in this policy for two continuous years.
• The newborn baby is also covered by default without additional premium until the next renewal.
• One can choose to get covered for two years continuously and get a discount.
• Cashless hospitalization approval within 4 hours at a network hospital

Eligibility for Max Bupa Heartbeat - Family First Insurance Plan

There is no limitation as to maximum age to enroll this insurance Policy.

Max Bupa Heartbeat - Family Floater Insurance Plan

It’s Max Bupa Mediclaim plan which caters to the need of Indian Joint Family. The features of this Max Bupa Health Insurance policy are as follows:

• Cover medical expenses when the insured family members are hospitalized for treatments.
• Medical charges incurred due to illness are reimbursed. The period of treatment should be 30 days before hospitalization and 60 days after you get discharged; Provided Max Bupa accepts the Impatient Care Hospitalisation claims
• Maternity benefits are provided for up to 2 deliveries. Both the partners have to be covered in this policy for two continuous years.
• A newborn baby is also covered by default without additional premium until the next renewal.
• One can choose to get covered for two years continuously and get a discount.
• Cashless approval within 4 hours at a network hospital

Eligibility for Max Bupa - Family Floater Insurance Plan

There is no limitation as to maximum age to enroll this Max Bupa Policy.

Max Bupa Critical Illness - Health Assurance Insurance Plan

This Max healthcare policy is a solution to acquiring critical illness. It provides lump sum amount to ensure proper diagnosis of the illness. A health insurance policy exclusively designed to provide coverage against pre-existing critical diseases where a lump sum amount is immediately paid in case the proposer gets diagnosed with the illness covered under the scope of the plan. The features of the plan are as follows:

• A lump sum amount is paid to the insured when he is diagnosed with a critical illness covered under the plan and he survives for at least 30 days post diagnosis
• Diseases covered under this policy include bacterial meningitis, cancer, bypass surgery, first heart attack, kidney failure, major organ transplant, deafness, speech loss, stroke, and permanent paralysis of the limbs.
• Direct claim settlement by their own customer service team.

Eligibility for Max Bupa Critical Illness - Health Assurance Insurance Plan

• Individuals aged 18-65 years can avail the plan.

Max Bupa Personal Accident - Health Assurance Insurance Plan

An accident not only harms one physically but also burns a big hole in one’s pocket financially. This Personal Accident Policy ensures coverage against accidental death as well as Permanent Partial Disability, Permanent Total Disability, and Child Education. The features of this health insurance policy are as follows:

• Sum Assured is paid in case of Accidental Death
• Pay up to 125% of Sum assured in case of Permanent Total Disability.
• Pay up to 100% of Sum assured in case of Permanent Partial Disability.
• Direct mediclaim settlement by their own customer service team.
• One can choose to get covered for two years continuously and get a discount.
• World-wide coverage.
• Assured renewability for life.

Eligibility for Bupa Personal Accident - Health Assurance Insurance Plan

• Individuals aged 18-65 years can avail the plan, whereas children between 5-21 years.

Max Bupa Hospital Cash - Health Assurance Insurance Policy

This Health Insurance Plan looks after your hospitalisation bills, incidental expenses, such as transportation cost, nursing expenses, attendant lodging, etc. This plan basically supplements the hospitalization Health Insurance Agency the features of the plan are as follows:

• Daily Cash Benefit - Up to Rs. 4,000 per day for at least 45 days.
• Double cash benefit in case of ICU hospitalization.
• Direct claim settlement by their own customer service team.
• One can choose to get covered for two years continuously and get a discount.
• World-wide coverage.
• Assured renewability for life.

Eligibility for Max Bupa Hospital Cash - Health Assurance Insurance Policy

• Individuals aged 18-65 years can avail the plan, whereas children between 2-21 years.

How to Apply For Max Bupa Health Insurance Plans Online?

Health insurance plans offered by the Max India Health Insurance company can be applied to through multiple channels like:

• Individuals looking forward to availing an insurance plan may directly call the company’s sales helpline and consult an expert.
• Provide their personal information like name, mobile number and email id on the website of the company and request for a callback
• Online health insurance plans can directly be purchased by clicking on the Buy Now button provided against various plans
• Alternatively, the customer can visit a nearby branch of the company and buy a suitable plan.

Max Bupa Health Insurance Network Hospitals

Max Bupa, to make cashless hospitalization easier, has a set and wide network of quality hospitals spread across the country. This network comprises more than 3500 reputed and renowned hospitals, clinics, nursing homes, and healthcare centers

You can also use insurance Company’s convenient and simple 'Hospital Locator' tool to find a network hospital that is closest to you or maybe, located just a few meters away from your location.

You just need to select your state and city of treatment with the cashless facility, click the ‘Search’ button and the tool would instantly populate a list of the empanelled hospitals.

Max Bupa Health Insurance Renewal

Max India has tried its best to make the health insurance renewal as convenient as possible. Premium renewal under Maxbupa Healthcare Policies is to be paid on or before the due date. However, the insurer offers a grace period of 30 days post the due date of the premium payment. In case the Max Bupa Health Plan is renewed within a period of 30 days, (i.e. the grace period), then the policy shall be considered as continuous. However, the insured shall not be covered during the grace period.

Max Bupa Health Insurance Premium Calculator

Bupa health Insurance Premium Calculator is a web application that helps the buyer to evaluate his insurance needs and the premium that he would need to pay towards various Health and mediclaim Insurance Policies, like Heart Beat, Family Floater, and Health Assurance products. Additionally, it highlights the key benefits and features of those products. Further, this calculator also has a BMI calculator that helps the customer in calculating his Body Mass Index or BMI. All in all, this tool is totally user-friendly and can be used on a computer as well as on a Smartphone anytime, anywhere.

Max Bupa Health Insurance FAQs

Q1: What is the tenure of Health Insurance plan by Max India?

Ans: Max Bupa health insurance policy tenure is available for 1 to 2 years, depending on your need. You need to renew your Max Bupa Health Insurance policy annually.

Q2: What types of medical expenses are compensated by Max India?

Ans: All reasonable expenses incurred by the policyholder during hospitalization are compensated by Max Bupa Health Insurance.

Q3: Is it necessary to undergo a medical check-up before buying Max Bupa Health Insurance?

Ans: A medical check-up is not compulsory in all cases, as it depends on your age. For example, if you are in your 60s, then you are required to appear for a medical check-up at one of the company’s empanelled hospitals.

Q4: Can I avail cashless facility across all the hospitals?

Ans: No. the cashless facility can only be availed at the hospitals that are empanelled with Max Bupa Health Insurance Company. You can either plan your hospitalization or avail emergency medical treatment; in both the cases, your insurance policy will cover the hospitalization expenses. Your TPA will take care of the all the required hospital formalities as well as of the total expenses incurred throughout the treatment.

Q5: What is the procedure to avail medical benefits under insurance policy?

Ans: Max Bupa Health Insurance policy offers easy and quick claim procedure that facilitates policyholders to avail cashless facility at any of the Bupa network hospitals or reimbursement option after discharge from the hospital.

Q6: Who is TPA of Max Bupa Health Insurance?

Ans: TPA (Third-party Administrator) of Max Bupa is a representative of the company who used to sit in the network hospitals of the company. TPA helps the policyholders to avail the cashless hospitalization or reimbursement options during a medical emergency.

Q7: How do I avail cashless benefit under health insurance plan by Max India?

Ans: You can avail cashless benefit under Max Bupa health insurance by visiting network hospitals by showing the health card (issued by your insurance provider) to the doctor who is in charge of your treatment. The hospital will then contact the TPA of the insurance company and fill up the form and share the estimation of expenses with the TPA. The Bupa Company will offer this facility to the policyholder only if the medical condition is listed in the policy document under the coverage section.

Q8: What is a pre-existing disease or condition under Max Bupa healthcare?

Ans: Any disease, injury, or a related health issue covered by insurer, which is diagnosed or detected at least 48 hours prior to purchasing the health insurance policy for the first time is considered as a pre-existing disease or condition.

Q9: Does Max Bupa health cover the hospitalization expenses incurred during a medical emergency?

Ans: Max India covers only the medical bills/hospitalization expenses subject to the policy terms. It does not cover an insured for more than the sum assured by the policy. The exceeding amount (if any) is to be paid by the insured.

Q10: Should the claim settlement form and documents be directly submitted to Max India or TPA?

Ans: Claims settlement form along with the supporting documents should be submitted to the TPA and not directly to the company. Your TPA details are mentioned in your company health card or you can take help from a customer care representative.

You might be interested following insurance plans provided by Max Bupa:

• Max Bupa Personal Accident