If you are looking for an extensive cover at an affordable price, then Max Bupa Health Recharge plan can be an ideal choice. The policy comes with both individual and floater basis, where you can opt for riders such as Personal Accident or Critical Illness Cover. Let’s look at the policy in detail:ac

Why Do You Need Max Bupa Health Recharge Plan?

The policy is tailor-made for Individual and family

  • Comprehensive cover up to Rs.25 lakh
  • Lifetime renewability
  • Smart Top-up options for additional coverage
  • Personal Accident and Critical Illness add-on option to opt for
  • Cashless treatments in network hospitals across the country
  • Cumulative bonus for not claiming the insurance
  • Free-look period to return the policy if you find it insufficient to meet your requirements
  • Tax benefit on premium paid under Section 80D of the Income Tax Act
  • The policy comes with lifetime renewability

Key Features of Max Bupa Health Recharge Policy

The key features of this policy include:

  • No claim bonus of 20% for not claiming the insurance
  • The plan comes with lifelong renewability
  • Non-allopathic treatment cover
  • Option to add top-up plans at an additional cost
  • Add-on options such s critical illness rider and personal accident cover
  • Free-look period to cancel the policy
  • Online buying and renewal of the policy
  • Fast and smooth claim settlement

Max Bupa Health Recharge Inclusions

The list of coverage of Max Bupa Health Recharge plan includes:

In-patient Expense Cover

Available for hospitalisation related expenses

Hospital Accommodation

Hospital accommodation for a private single room with any capping on room rent expenses ()available for SI Rs. 5 lakh)

Pre and post Hospitalisation Expense

60 day and 90 days respectively for the treatment availing prior and post hospitalisation

Day-care Treatment


Domiciliary Hospitalisation


Organ Transplant Cover

In-patient expense cover for the harvesting of the donated organ

Emergency Ambulance

Up to Rs. 1500 per hospitalisation


the insured can avail E-opinion regarding illness or surgery

Personal Accident Cover (optional)

Covers death, permanent total and partial disability. It is an optional cover

Critical Illness Cover (optional)

Coverage against critical illnesses such as open heart surgery, kidney failure, CABG, bone marrow transplant etc.

Pharmacy and Diagnostic Service


Alternative Treatment Option

AYUSH Treatment, in-patient cover only, including Ayurveda, Unani, Siddha, Homeopathy etc.

Modification of Room Rent (optional)

Option to modify the room option to single occupancy. available for sum insured Rs. 4 lakh

Annual Aggregate Deductible (Optional)

Aggregate Deductible options ranging from Rs. 10,000- Rs. 10 lakh are available

Tax Benefit

Available under Section 80 D of Income Tax Act


Max Bupa Health Recharge Policy Exclusions

 The policy becomes null and void under the below circumstances:

  • Injury due to hazardous activities
  • Artificial life maintenance
  • AYUSH treatment, except in-patient treatment availing under Ayurveda, Unani, Siddha, Homeopathy etc.
  • Expenses incurred towards congenital illness
  • HIV/AIDS or related diseases
  • Obesity, cosmetic surgery, weight loss treatment
  • Mental disorder, dental treatment
  • Pre-existing illness up to a specific time frame
  • Suicidal attempts, injuries due to war, war-like situation, nuclear weapon etc.
  • Any breach of law or involvement in criminal activities

Eligibility Criteria to Avail Max Bupa Health Recharge Plan

Minimum Entry Age

Dependent child-91 days to 25 years

Adult- 18 years

Maximum Entry Age

65 years

Policy Tenure

1, 2 3 years

Policy Type

Individual and Floater basis


Max Bupa Recharge Policy Claim Process

  • If you are opting for cashless services, approach a network hospital, take help from the TPA about how to go with the process
  • The process has to be initiated 72 hours before availing the treatment in case of a planned hospitalisation
  • You’ll require to provide ID proof, Max Bupa health card or policy number
  • The documents will be sent for validation along with the pre-authorisation form to the insurer
  • The insurer will convey its decision within 4 hours from receiving the application
  • They may assign a relationship officer to make the cashless hospitalisation easy for you
  • Get admitted, avail the free treatment, sign all the required documents along with the invoices on discharge
  • The insurer will settle the bill as per the terms and conditions of the policy

Max Bupa Recharge Policy Renewal Process

 Max Bupa health insurance comes with lifetime renewability option. Hence, it ensures lifetime coverage to you. However, you need to renew the policy once the policy tenure completes. You can renew the policy online or offline. While online policy allows you to pay the premiums online and get the renewed policy instantly, to ensure a policy renewal offline, you’ll have to either visit the branch or approach an agent. The agent will help you complete the renewal process, starting from filling the form to submitting the renewal form to the insurer.

How to Buy Max Bupa Health Recharge Policy?

You can buy Max Bupa Health Recharge policy in the following ways:

  • Online: bUying policy online is the most convenient yet safest way of buying insurance. While buying online you can even compare the policy as per the offerings, premium, claim settlement ratio of the insurer and finally buy an informed policy. This allows you to pick the right and affordable deal. To buy Max Bupa health insurance online, you can visit the official website of the insurer, select the policy you want, calculate the premium using Max Bupa premium calculator, pay the premiums online and get the policy instantly.
  • On Phone: You can call on their helpline number and get in touch with the customer care executive to get the detail. If you visit the website, you can see an option saying ‘Click to Arrange a Call’. If you choose this option, a call will be scheduled and an executive will contact to further assist you.
  • Visit the Branch: You can visit the nearest branch to buy Max Bupa health recharge policy. The complete list of location can be availed in the policy document or by visiting the official website and navigate through the ‘Contact Us’ section there.

Let’s lead a healthy and protected life with Max Bupa Health Recharge Plan!

Written By: PolicyBazaar - Updated: 09 January 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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