Max Bupa Money Saver Family Floater

Max Bupa Money Saver Family Floater plan covers both Max Bupa's Health Recharge and Health companion and offers more robust protection for your family's health.  This health insurance policy has all the attributes of adequate healthcare and acts as a shield against increasing medical expenses and attribute

Some of the features of this policy range from personal accident covers, hospital cash to critical illness cover against illness like cancer, organ transplant, kidney failure, etc., depending upon the base sum insured.  

Max Bupa Money Saver Family Floater 

Sum Insured

Up to Rs 1 cr.

Premium Starts

From Rs 8,181 per year

Renewability

Lifelong

Policy Tenure

1 year

Claim Process

Direct without an involvement of TPA

Coverage Offered

Anyone interested to buy Max Bupa Money Savers Family Floater policy will get coverage from Rs 10.5 lakh-Rs. 1 Crore. The policy provides the following essential coverage:

  • In-patient Hospitalization Treatment: The Max Bupa Money Savers Family Floater covers all hospitalization expenses in the network hospitals.
  • Pre-Hospitalization: Online Max Bupa Money Savers Health Insurance policy covers expenses for a maximum of 30 days before hospitalization up to the defined limit.
  • Post- Hospitalization: The coverage is provided for all hospital-related expenses up to 60 days after hospitalization up to the defined sum insured.
  • Road Ambulance: The policy covers the expenses of the ambulance after the acceptance of the in-patient claim.
  • Hospital Accommodation: The policyholder can claim all hospital accommodations for a single room with no room rent capping.
  • Organ Transplant: Members can avail of medical expenses for an organ donor and cover in-patient treatment expenses for the same.
  • Home Care treatment: If a member undergoes treatment at home due to unavailability of bed or the doctor's advice, this policy will reimburse all the expenses.
  • Covers Day Care Treatment:  Max Bupa Money Savers Health Insurance covers dental, ENT, and other procedures that require less than 24 hours of hospitalization.

Inclusions of the Plan

Apart from the above, the policy also covers the following:

  • Personal Accident Cover & Critical Illness covers can be taken as add-on covers to cover all expenses of insured members against personal accidents.
  • Can avail alternative treatment under Ayurveda, Siddha, Unani, Homeopathy upto the Sum Insured.
  • Depending on the base sum insured, the policyholder can get coverage against illnesses like cancer, kidney failure, etc.
  • Policyholders can avail of pharmacy and diagnostic services through service providers on the Max Bupa Health panel.
  • Provision for unlimited telephonic or online consultations is also provided.

Exclusions of the Plan

Max Bupa Money Savers Insurance policy excludes some diseases and conditions from its list of coverage. They are:

  • Any claim arising within the initial 30 days of the policy period, unless it is an accidental claim
  • Injuries from hazardous activities or adventure sports
  • Injuries and ailment due to war, riots, terrorist activities, or unlawful and criminal activities
  • Due to alcohol and drug abuse
  • Behavioral, Neurodevelopmental and Neurodegenerative disorders
  • Obesity and weight control programs
  • Maternity expenses
  • Artificial life Maintenance
  • External congenital diseases, etc.

*Please refer to the policy document for a complete list of exclusions under the plan.

Features and Benefits of the Max Bupa Money Savers Health Insurance Policy

Individuals can find below the features and benefits of buying Max Bupa Money Savers Health Insurance policy:

  • This policyholder can schedule a health check-up for a specific list of tests for themselves and other members of the family.
  • Under cashless facility, a member can claim services at the network hospitals of around 4800+ hospitals.  
  • Based on the claim history, the policy guarantees renewability for life with no extra loadings.
  • Quick and reliable in-house claims processing with no TPAs involved
  • Attractive premium savings for choosing the plan for two years.
  • Premiums paid towards Max Bupa Money Savers Health Insurance policy are eligible for availing tax benefits under Income Tax Act.

Eligibility Criteria

To buy this policy, one should consider the following eligibility terms:

Type

Individual or Family Floater

Minimum Entry Age

3 months

Maximum Entry Age

65 years;

No limit for policy renewal

Number of people covered

Up to 2 adults and 4 children

Residential Status

Residents of India, including citizens, permanent residents of India

Cancellation Terms of the Policy

A policyholder can cancel the policy with a refund in 15 days after purchasing the insurance in the free-look period.

The insurer can also cancel the Max Bupa Money Savers Health Insurance policy if the policyholder is found to indulge in fraud, misrepresentation or concealment of medical or other claims-related information.

FAQs

Written By: PolicyBazaar - Updated: 09 February 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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