Max Bupa Health Premia

Max Bupa Health Premia is a comprehensive plan that offers perfect coverage to the insured and the family. This has everything that one might expect in a health scheme. The plan is available in three variants, namely Silver, Gold, and Platinum. The maximum Sum Insured amount for this particular plan is Rs 3 crore, which gives one the option to choose the coverage that suits his/her requirements.

Max Bupa Health Premia: Key Highlights

Coverage Offered

Coverage under Max Bupa Health Premia Policy can be categorized as:

• Maternity and Newborn Coverage-Individuals who buy Max Bupa Health Premia are covered for maternity expenses. They need not pay any additional premium for covering their newborn baby till the first policy year.
• New-age Treatment -Provides coverage for treating the new age diseases like laser-assisted surgeries and more.
• Global Coverage-Under the Platinum variant of this particular plan, the insured will be covered even when he or she travels abroad.
• Inbuilt Travel Insurance-Provides coverage for the loss of the baggage that checked in, the trip cancellation charges, and also other charges
• Health Check-Ups-This also provides coverage for health check-ups and other diagnostic tests.

Inclusions of the Plan

The Max Bupa Health Premia policy also covers the following:

• Emergency assistance services, like, medical evaluation and repatriation, are also provided
• Add-on covers for Personal Accident, Hospital Cash, Critical illness, available.
• Health check-ups from Day 1 for diagnostic purposes
• It also offers a COVID-19 cover.
• Enhanced loyalty additions irrespective of claims
• Enhanced geographical cover

Exclusions of the Plan

Max Bupa Health Premia Policy does not provide coverage for the following treatments or expenses:

• Hazardous or Adventure sports
• Cosmetic or Plastic Surgery
• Dental/oral treatment
• Refractive Error
• Rest Cure, rehabilitation and respite care
• Hormone Replacement Therapy
• Investigation & Evaluation
• Maternity
• Circumcision:
• Conflict & Disaster
• Ancillary Hospital Charges
• Artificial life maintenance
• Obesity/ Weight Control
• Change-of-Gender treatments
• Breach of law
• Sexually transmitted Infections & diseases (other than HIV / AIDS)
• Sleep disorders:
• Unrecognized Physician or Hospital
• AYUSH Treatment
• External Congenital Anomaly

Features & Benefits of the Max Bupa Health Premia Policy

Individuals who buy Max Health insurance can enjoy the following benefits from the Max Bupa Health Premia Policy:

• Free extension in the unfortunate event of the policyholder passing away or diagnosed with certain specified diseases
• New-age treatments, including robotics surgery or Cyberknife, weight loss surgery, laser surgery, covered as a % of the Sum Insured
• Maternity expenses for up to 2 deliveries
• In case the Sum assured amount has already been exhausted, provision for a refill benefit, as per conditions specified.

Eligibility Criteria

The minimum eligibility criteria to buy this plan are:

Cancellation Terms of the Policy

The Insured has the option to cancel the Max Bupa Health Premia policy within 15 days of the policy inception, which is considered to be the free-look period. The entire premium amount will be refunded minus the charges that have been incurred by the insurance company.