Max Bupa Health Premia Individual Plan

Max Bupa Health Premia Individual Plan is a truly comprehensive health indemnity plan with enough options to tailor everyone’s preferences. Thus, the Max Bupa Health Premia Individual Plan Insurance Policy delivers a range of plan options and innovative covers that gels with the overall modern lifestyle.  High coverage that includes new-age treatments and cashless treatment in 4800+ network hospitals make the plan exceptional.  The plan is available in 3 variants: Silver, Gold & Platinum.

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Max Bupa Health Premia Individual Plan

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
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    Max Bupa Health Premia Individual Plan: Key Highlights

    Type

    Individual

    Sum Insured

    Up to 3 cr

    Standout Benefits

    · Annual health check-up

    · Sum Insured Refill

    · Loyalty benefit

    · Maternity benefit

    Cashless benefit

    Settlement in 30 minutes

    Network Hospitals

    4800+

    Coverage Offered

    The insured is provided with a wide range of coverage when deciding to buy Max Bupa Health Insurance. The primary coverage in the Max Bupa Health Premia Individual Plan includes:

    • Indemnity for medical expenses incurred up to the entire sum insured:
      • In-patient Hospitalization:
      • Pre and Post Hospitalization Expenses: Covered for 90 and 180 days, respectively.
      • Day Care Treatment
      • Domiciliary Hospitalization
      • Alternative Treatment
      • Living Organ donor Transplant
      • Newborn baby
      • Emergency Services:
    • Medical Referral
    • Air-ambulance evacuation
    • Medical Repatriation
    • Compassionate Visit
    • Return of mortal remains

    • Indemnity for medical expenses with stipulated limits:
    • Newborn baby vaccination
    • Ambulance
    • HIV / AIDS Treatment (waiting Period – 48 months): Rs 50,000
    • Mental disorder Treatment (waiting Period – 36 months): Rs 50,000
    • Maternity Benefit (Up to two pregnancies): Variable sub-limits based on the sum insured and the plan

    Inclusions of the Plan

    It should be noted that many of the inclusions are based on the plan variant, and the sum insured. The insured must consult the prospectus before deciding to buy Max Bupa Health Premia Individual Plan:

    • New Age Treatments:
    • Bariatric Treatment (waiting Period – 36 months): Up to Rs 1,00,000
    • Robotic Surgery: Up to sum insured with 50% co-pay
    • LASER Treatment (waiting Period – 36 months): Up to Rs 50,000
    • International Travel:
    • Covers a single 15 days trip, amounting to Rs 30 Lakh per insured person, excluding the USA and Canada visit
    • OPD Cover: International sum insured with 20% co-pay
    • Optional Covers:
    • Personal Accident
    • Critical Illness
    • Enhanced Loyalty Addition
    • Hospital Cash
    • Health Coach
    • International Coverage Extension

    Exclusions of the Plan

    The insured must be aware of the applicable exclusions, whether the purchase is online Max Bupa Health Premia Individual Plan, or otherwise. The exclusions under this plan are categorized as:

    • Those with a Waiting Period: Claims for the following are not accepted up to the stipulated exclusion periods.
    • Pre-Existing Conditions: Coverage after 24 months.
    • Initial: 30 days in general. For Critical Illness, it is 90 days, followed by 30 days for survival.
    • Specific Conditions: Covered after 12 months wait
    • Modern Treatments: covered upon expiry of 36 months.
    • Permanent Exclusions: A host of medical conditions for which claims are not admissible in the Max Bupa Health Premia Individual Plan Health Insurance. The policy bond must be consulted for the detailed list.

    Max Bupa Health Premia Individual Plan Health Insurance: Features & Benefits

    • Plan Variants: The three options available offer a variable sum insured, starting from Rs 5 Lakh to Rs 3 Crore. They are:
    • Silver
    • Gold
    • Platinum
    • Zonal Coverage: The premium rates are based on the disparity in healthcare expenses in different parts of the country.
    • Refill-Benefit: The sum insured is restored after claim settlement within the policy year to ensure that the insured is never short of cover.
    • Policy Term: The insured can choose longer terms up to 3 years and save on the premium.
    • International Coverage: It comes with in-built travel insurance and the option to seek various medical facilities when traveling abroad.
    • Tax Benefit: The premium paid is eligible for a tax deduction under Section 80D of the Income Tax Act, 1961.

    Eligibility Criteria

    The minimum eligibility criteria to buy this plan are: 

    Type

    Individual

    Minimum Entry Age

    Children: 90 days

    Adult: 18 years

    Maximum Entry Age

    Children: 30 years

    Adult: 65 years

    Lifelong Renewal

    The Number of people covered:

    Up to 19 relationships are covered in the Family First variant in a single policy.

    Residential Status

    Indian citizens, NRI, and foreign citizens normally residing in India.

    Cancellation Terms of the Policy

    As per IRDAI guidelines, every insurer allows a Free Look Period of 15 days to review and change the decision, during which they can return the policy if so desired. The insured must consult the policy bond to know more about the cancellation clauses.

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    Max Bupa Health Premia Individual Plan Reviews & Ratings

    / 5 (Based on 3 Reviews)
    (Showing Newest 3 reviews)
    Asha
    Hariyana, September 16, 2021
    Tax savings
    The term plan is beneficial to save the tax amount too. I have saved a lot of tax and got a rebate too under my plan. I am happy and it is a part of investment. I took the plan for the financial safety of me and my family. Thanks team for good plans.
    Arjun
    Punjab, September 16, 2021
    Time and money saving plans
    I have saved a lot of money when I bought the term insurane plan online. I visited the policybazaar and check the premium calculator page. From there I searched for various good plans. I saved a lot of money and time too. I would recommend the policy to my friends and also tell them to buy a plan from policybazaar.
    Ida
    Amritsar, September 16, 2021
    Customer experience team
    Great to know that the customer care team of Policybazaar is superb and friendly. I opted a term plan from policybazaar and found it the best one. I was facing the issue related to name spelling and connected to policybazaar. The team immediately worked into my case and it was resolved. Thank you so much team Policybazaar.
     
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