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Max Bupa Heartbeat Platinum Plan

Max Bupa Heartbeat Platinum plan is a comprehensive health cover to protect you against those unplanned expenses arising out of a medical emergency. The policy can be availed in individual and floater sum insured basis with two variants namely Gold and Platinum. Let’s know about one of its variants Heartbeat Platinum.

Why Choose Max Bupa Heartbeat Platinum Plan?

The advantages of Heartbeat Platinum card that make it worth buying are:

  • The policy can be availed two different variants like Gold & Platinum with a higher sum insured
  • The insurer offers discounts on premium for a long-term policy of 2 years
  • There is no minimum or a maximum age limit to avail this policy
  • The insured is eligible to avail reward on premium paid
  • Tax benefit on premium paid under Section 80D of the Income Tax Act, 1961
  • Loyalty rewards are offered if the policy is renewed continuously
  • The policy comes with lifelong renewability

Max Bupa Heartbeat Policy Features and Coverage

Coverage Category Scope of Cover
Multiple sum insured options to choose from Rs. 15/20/50 lakh and 1 cr.
In-patient hospitalisation Covered
Pre-Hospitalisation Expense 60 days
Post-Hospitalisation Expense 90 days
Global treatment for specific illnesses Covered
Non-allopathic Treatment Covered
Day-care procedure Covered
Childcare Benefit Covered up to the age of 12 years
Enrollment age Any age enrollment
Domiciliary Treatment Covered
Emergency Ambulance Covered
Hospital Cash In case of hospitalisation for a minimum period of 48 hours, hospital cash for 30 days
Loyalty Addition 10% enhancement of sum insured for continuous renewal of the policy
Second medical opinion Available in case of specific illness
Organ Transplant Cover Expenses of an organ donor while transplanting an organ


Waiting Period Clause

  • Cooling Off Period: A 90 days cooling-off period is applied for all claims. During which no claim will be accepted, except the accidental claims
  • Specific Illnesses: The policy will cover some specific illnesses such as Cataract, Myomectomy for Fibroids, Hysterectomy, after a waiting period of 2 years.
  • Pre-existing Illness: Any claim arising out of a pre-existing illness will be entertained after a waiting period of 24 months.

Permanent Exclusions of Max Bupa Platinum Policy

The Platinum plan of Max Bupa will not cover any liabilities arising out of the following conditions-

  • Attempted suicide
  • Congenital disease
  • Treatment of AIDS/HIV
  • Injury due to abuse of alcohol or drug
  • Pregnancy, childbirth, miscarriage, and abortion
  • Hospitalization out of war, riot, strike and nuclear weapons
  • Infertility and in vitro fertilization.

For the comprehensive list of exclusions, please refer to the fine print of the policy.

Max Bupa Heartbeat Policy Claim Settlement Process

Max Bupa health insurance can be claimed in two ways:

Cashless Claims

Cashless claims are only available at Max Bupa network hospitals where the insured can avail healthcare services free of cost. To avail this service:

  • Carry your Max Bupa health card and submit along with an ID such as PAN Card/Voter’ ID/Passport etc.
  • The hospital authority will verify your identity and submit the pre-authorisation request on your behalf
  • After receiving the application, the insurer will review the request and takes a decision. The same will be conveyed to the hospital. If the insurer approves your request, you can avail cashless services.
  • The hospital bills are directly settled by the insurance company

Reimbursement Claims

If Max Bupa heartbeat policyholder has not chosen a network hospital and availed the treatment from a non-network hospital, he/she can claim the insurance through the reimbursement process. To initiate the process first settle the bills on your own and collect all the related documents including the original bills, discharge summary, doctor’s report etc.

Fill the claim form and submit along with the supporting documents. Don’t forget to attach the original bills along with the receipts.

The insurer will review your case and after verifying the documents, will make a decision on whether to approve or reject your claim.

The insurer reimburses you the approved amount in your bank account. If not then the insurer will intimate the reason of rejection within a stipulated time frame.

Document Required For Claim Process

  • Max Bupa Health Card
  • Max Bupa Heartbeat Policy number
  • PAN Card
  • Voter’s ID
  • Passport
  • Driving License
Written By: PolicyBazaar - Updated: 09 January 2020
Average Rating
(Based on 117 Reviews)
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Max Bupa Heartbeat Platinum Plan Reviews & Ratings
4.7 / 5 (Based on 117 Reviews)
(Showing Newest 15 reviews)
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.
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.
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.
Bisalpur, October 19, 2016
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.
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.
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.
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.
Adoni, May 04, 2016
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
Amravati, February 06, 2016
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
Ambala, February 06, 2016
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
Kanpur, February 06, 2016
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
Faridabad, February 06, 2016
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
Gwalior, February 06, 2016
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
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
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
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
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
Chennai, February 06, 2016
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
Howrah, February 06, 2016
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
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
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
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
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
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

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