Max Bupa Health Insurance

4.7 / 5 based on 117 User Reviews
*Please note that the quotes shown will be from our partners

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 2nd-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

Policy Term Sum Assured Coverage Renewability Benefit
1 to 2 Years 2 Lakhs, 3 Lakhs, and 4 Lakhs Pre-hospitalization: 30 DaysPost-hospitalization: 60 Days 20% additional sum assured on renewal for each claim-free year (max 100% of base sum assured)

 

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 2nd-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

Policy Term Sum Assured Coverage Renewability Benefit
1 to 2 Years 2 Lakhs, 3 Lakhs, and 4 Lakhs Pre-hospitalization: 30 DaysPost-hospitalization: 60 Days 20% additional sum assured on renewal for each claim-free year (max 100% of base sum assured)

 

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 2nd-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

Policy Term Sum Assured Coverage Additional Benefit
1 to 2 Years 2 Lakhs, 3 Lakhs, and 4 Lakhs Pre-hospitalization: 30 DaysPost-hospitalization: 60 Days Treatment at home can be availed in case of shortage of beds at the hospital

 

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

Policy Term Inpatient Expenses Coverage Additional Benefit Coverage for Newborn
1 to 2 Years Hospitalization expenses are covered Pre-hospitalization: 30 DaysPost-hospitalization: 60 Days Treatment at home can be availed in case of shortage of beds at the hospital Coverage from the day of birth without any additional premium

 

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

Policy Term Sum Assured Coverage Cashless Hospitalization
1 to 2 Years 2 Lakhs or 3 Lakhs Pre-hospitalization: 30 DaysPost-hospitalization: 60 Days Avail cashless treatment at over 3500 quality hospitals across the nationwide

 

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

Policy Term Sum Assured Critical Illness Pre-existing Diseases Claim Settlement
2 to 3 Years 1. Payable as lump sum2. Payable as lump sum along with 10% of sum assured payable annually for a period of 5 years. Not covered during initial 90 days. Covered after 4 years of continuous renewal. Directly by the company

 

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

Policy Term Coverage Accidental Death Total Permanent Disability Partial Permanent Disability
2 to 3 Years 100% of the sum assured is payable in the event of an accident 100% of the sum assured payable in the event of accidental death 125% of the sum assured payable in the event of total permanent disability 100% of the sum assured payable in the event of partial permanent disability

 

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

Policy Term Entry Age Coverage Daily Hospital Cash ICU Cash Benefit
1 Year (by default) Adults: 18 - 65 Years; Children: 2 to 21 Years Adults: 100% of sum assured; Children: 50% of sum assured Rs. 4000 per day (max up to 45 days) Double the daily cash benefit

 

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 Health Insurance Reviews

TOTAL REVIEWS (117)
Gurmeet
Barielly
October 26, 2016

Insurance 4 family's health

I secured my family with health insurance policy which i have bought from max bupa general insurance. Service is fantastic which is provided, all my family members are satisfied with terms and conditions of the plan. Policy coverage is good, claims are high. Overall good health insurance policy.

Manisha
Siliguri
October 19, 2016

"Health is Wealth"

Max Bupa Health Insurance is the best insurance company. I have took a health insurance policy in very low price. Ambulance is facilitated to the patient at anytime and anywhere which is absolutely free of any charges. Huge number of hospitals are there for on time availability and good treatments.

Arnabh
Ooty
October 19, 2016

Less premiums

After having max bupa health insurance, i'm happy with the service given by the executives and staff members of the max bupa health insurance company ltd. Claims are high and it is easy to get. The paperwork is less due to online services.

Pranav
Bisalpur
October 19, 2016

'Good'

Ambulance service is free and at any location. Great service given by max bupa health insurance policy. The policy coverage is high ~90% and claiming is simple due to fast service given by the executives and staff members of the company.

Kaushik
Jaisalmer
October 07, 2016

Purchase Max Bupa Insurance

Max bupa general insurance company is on the top among all the others. Premium of my health insurance is less and claims are high. Policy covers maximum expenditures and reimbursed the amount which spend by the policyholder.

Keshav
Laxmipur
October 03, 2016

MAX Health Insurance

Great insurance policy i have purchased from max bupa general insurance company. Premium is less and claims are high. Policy coverage is good around 90%. Ambulance service is facilitated by the company for free at any location.

Manoj
Patherdewa
August 30, 2016

Health Insurance

Max bupa general insurance gave me the best health insurance. It has all the benefits and paybacks. Policy coverage is fantastic and premium is less. Claims are high and easy to sanction. The updates regarding the policy is easy get through website of the company and online renewal is the best thing.

MR.
Adoni
May 04, 2016

JUST AWESOME

GREAT PLAN HEALTH COMPANION

Sachin
Delhi
February 06, 2016

"Damn Good"

I have health plan and a really good one which i took from max bupa. Policy coverage is 90% and the claim is five lakh. The service is very fast with toe benefit without any taking charges. Good policy, I like it.
Plan Name: Health Companion
Agent Code: BPW01735

Kailash
Amravati
February 06, 2016

"Fantastic"

The policy i have has great benefits which i took from general insurance. Claims are about two lakh and the coverage is 90%. The service is high but premium is little bit high as well. Happy...
Plan Name: Health Companion
Agent Code: BPW01735

Sandeep
Ambala
February 06, 2016

"Awesome"

My health is secure with max bupa. The policy provide the best services. Claims ~two lakh and the coverage is 80%. The hospitality is very nice with additional benefit of ambulance pick and drop for free. I'm happy with the policy.
Plan Name: Health Companion
Agent Code: BPW01850

Varun
Kanpur
February 06, 2016

"Awesome"

I buy health insurance which has great terms and conditions. Policy covers almost all the cases and the coverage is full with low premiums. Claims are very easy to get without any paper work or any form filling.
Plan Name: Health Companion
Agent Code: BPW01850

Atul
Faridabad
February 06, 2016

"Great"

Took health insurance by max general. The investment is less but the returns is much more then expectations. Policy coverage is 90% and the claim is two lakh. Ambulance come to door steps for pick and drop for free of cost. Really good work.
Plan Name: Family First Gold
Agent Code: BPW01735

Narendra
Gwalior
February 06, 2016

"Average"

Found an average policy which gives good services on time. Premium is low but the coverage and claims are also less. No advantage of free ambulance or any thing. Few hospitals are in working rest create problems for recovery. Overall, policy is for name only not for real work.
Plan Name: Heartbeat Silver
Agent Code: BPW01735

SHALABH
Lucknow
February 06, 2016

"Best Policy"

The policy i have for my health is from max bupa. Services provided is very comfortable and fast. The premium is low and policy coverage is high, even the ambulance is facilitate for free of charge. Claims are sanctioned in few working days.
Plan Name: Health Companion
Agent Code: BPW01735

Anubrata
Bengaluru
February 06, 2016

"Great Service"

I have health plan from bupa. The policy have good benefits and the package i got is the best. The premiums are low and the payback amount is high. The services are fast and the huge number of hospitals are working for the company.
Plan Name: Health Companion
Agent Code: BPW01735

Ghanshyam
Gautam_buddha_nagar
February 06, 2016

"Good Policy"

I bought health insurance by taking advice of my friend from bupa max. The policy is good and the coverage is big. The claims are easily sanction but it takes few days or weeks. Payback amount is good and the hospitality is best.
Plan Name: Health Companion Gold
Agent Code: BPW01850

Devender
Faridabad
February 06, 2016

"Nice Policy"

Recently purchase health plan with max bupa. The policy provide good and fast service. The premium is low and the investment is average. The claims and coverage is good. The ambulance is provided without taking any charges.
Plan Name: Health Companion
Agent Code: BPW01735

Rakesh
Chennai
February 06, 2016

"Fantastic"

My health insurance is with max bupa and they providing great services. The claims is four lakh and the policy coverage is 95%. The service is so quick that every work is done in just few hrs. Many hospitals are working in this project and providing nice service.
Plan Name: Health Companion
Agent Code: BPW01735

Sailesh
Howrah
February 06, 2016

"Good"

I have health plan with general insurance. The policy coverage is 80% and the claim is three lakh, but the service slow claim approved in two weeks. The ambulance is free of cost. Good policy.
Plan Name: Health Companion
Agent Code: BPW01850

Rakesh
Gurgaon
February 06, 2016

"Damn Good"

My health policy is with bupa general. The policy is nice with some good benefits like policy coverage is 95% with less investment, the claims is sanction without any delay. Hospitals provide ambulance service too which is free of cost.
Plan Name: Health Companion
Agent Code: BPW01735

HARNARANI
Mathura
February 06, 2016

"Damn Good"

I purchase health insurance and max general provided the best services. The policy coverage and the claims are around 89%. The ambulance is provided without taking any charge. Nearest hospital is provided for fast and good treatment.
Plan Name: Health Companion
Agent Code: BPW01735

ASHWANI
Mathura
February 06, 2016

"Good Experience"

Bupa general insurance is one of the best. I have health plan with great benefits. Policy coverage, claims, hospitals and ambulance all facilities are provided with taking good care and the service is done on time.
Plan Name: Health Companion
Agent Code: BPW01735

Sukra
Gumla
February 06, 2016

"Nice Work"

I buy the health insurance from max. The policy have great benefits, policy coverage is around 90% and the claims is Rs.2.6 lakh. The service is great with low premiums. and the 95% hospitals are working for this.
Plan Name: Health Companion
Agent Code: BPW01735

Gaurav
Pune
February 06, 2016

"Not That Good"

Having health insurance with max bupa. The plan is not good except the services provided. The policy coverage is 40% and the claims are very less. The Hospitals are very few and premium is high. Not satisfied.
Plan Name: Health Companion
Agent Code: BPW01735