Max Bupa Heath Companion Family First Plan

Introduction/Overview

Medical expenses are in direct proportion to the number of members in a family. These expenses can mount heavily if you have a joint family. Get coverage for up to 19 relationships with individual sum insured for each member and a floater sum insured that can be used by any family member.

Key Features

• Covers all hospitalization expenses
• Pre & post hospitalization expenses also included
• Covering  AYUSH treatment (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured
• Ambulance in case of emergency
• Hospital cash (Optional) Rs. 1000/Day

Benefits

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

Details About Premium

Annual premium depends on the plan chosen. For details please refer to the website.

Policy Details

Individual Base Sum Insured: Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh & Rs. 10 Lakh

Floater Base Sum Insured: Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh & Rs. 20 Lakh

Coverage type: Individual/Family floater

No claim bonus: 20% incremental bonus on sum insured to a maximum of 100% of base sum insured for each claim free year.

Discount: In case the policy term is extended to 2 years then 12.5% discount can be availed on 2^nd year premium.

Additional Features or Riders

• New born to senior citizen, all are covered
• Free health check-up every 2 years
• International Cashless facility

Exclusions

• No treatment covered within first 90 days until it is a case of accident/emergency
• Benefits not applicable on pre-existing diseases
• Cosmetic, aesthetic, or related treatments will not be covered.
• Any illness or disease contracted due to intake of alcohol or other addictive substances will not be covered.
• Treatments consisting of non-allopathic medicine are not covered under this policy.

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.

Eligibility

No limit on age