Max Bupa critical illness insurance Plan

Introduction

Critical illness plan insures you against the risk of serious illness in much the same way as you insure your car and your house so that you don’t feel helpless in times of exigency.  In case of occurrence of the unexpected, this plan will assuage your pains by providing you with the security of guaranteed cash amount.

Key features

• Covers all hospitalization expenses

• Pre & post hospitalization expenses also included

Benefits

• You can avail discount by increasing the term period of your policy to 2 years.
• Free Health check-up at designated Max Bupa diagnostic centers after every 2 years.
• Assured policy renewal for life
• Direct claim settlement
• Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.

Policy Details

Illness Covered:

The policy covers 20 critical illnesses:

1. Cancer of Specified Severity
2. Open Chest CABG
3. First Heart Attack of Specified Severity
4. Open Heart Replacement or Repair of Heart Valves
5. Kidney Failure Requiring Regular Dialysis
6. Coma of Specified Severity
7. Stroke Resulting in Permanent Symptoms
8. Major Organ/Bone Marrow Transplant
9. Motor Neurone Disease with Permanent Symptoms
10. Aplastic Anaemia
11. Permanent Paralysis of Limbs
12. Multiple Sclerosis Persisting Symptoms
13. Bacterial Meningitis
14. Deafness
15. Loss of Speech
16. End Stage Liver Disease
17. End-stage Lung Disease
18. Major Burns
19. Fulminant Viral Hepatitis
20. Muscular Dystrophy
    

Exclusions

ü  Any disease that is manifested or diagnosed before getting the insurance until 4 years of continuous coverage

ü  Diagnosis of any critical disease in the first 90 days of getting the cover.

ü  Weight loss treatment is not covered

ü  STD is not covered

For detailed information, please contact the nearest office or refer to the company’s website.

Renewal Age

Lifetime renewal benefit is available under the policy under normal circumstances except on the grounds of fraud, misrepresentation or moral hazard or upon the occurrence of an event of Critical Illness.

Documents Required

Policyholder has to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum assured and the age of the person.