Max Bupa Health Pulse Individual Plan

Health insurance policies offer financial protection to the person insured in case of their unfortunate hospitalization. These policies cover post-hospitalization, domiciliary treatment, pre-hospitalization, and other treatments. Some plans offer a lump sum amount on detecting critical illnesses, and other plans provide a cashless claim. Max Bupa Health Pulse Individual Policy is a health insurance plan covering the related treatments and providing accidental hospitalization cover. It is available in two variants: Classic and Enhanced. The policyholder gets an annual health check-up along with this plan. There are two variants in this plan classic plan and health insurance plan.

Max Bupa Health Pulse Individual: Key Highlights

Coverage Offered

The Max Bupa Health Pulse Individual Policy offers the following coverage:

• Pre-hospitalization: The plan provides coverage against the treatment cost taken before hospitalization for a maximum of up to 30 days.
• Post-hospitalization: The plan provides coverage against the treatment cost taken after hospitalization for a maximum of up to 60 days.
• Hospital Accommodation: This policy covers a per day charge of room rent up to 1% of the sum insured for a single private room for a sum insured below 5 lakh. For the sum insured above 5 lakh, the cost of a room covered is up to the sum insured limit.
• ICU Charges: For the ICU charges, the plan covers upto 2% of the sum insured for the health insurance cover below Rs 5 lakh. For health insurance coverage of above Rs 5 lakh, there is no limit on ICU charges.
• Mental Disorders: The plan covers mental disorders treatment up to a sum insured amount with the limit on some disorders.
• HIV/AIDS: This policy also covers HIV Or AIDS treatment of 10% of the sum insured up to a maximum of Rs 50,000.

Inclusions of this Plan

The inclusions of the Max Bupa Health Pulse Individual Policy are:

Ambulance Cover:  Emergency ambulance is covered in the plan up to Rs 1,500 for sum insured below 5 lakh and up to Rs 2,000 for sum insured above Rs 5 lakh. The plan pays for the ambulance charge per hospitalization of the policyholder.

In-patient Care: The Max Bupa Health Pulse Individual policy provides coverage against the policyholder's in-patient hospitalization at any network hospitals up to the sum insured limit.

Day Care Treatment: The plan covers various daycare treatments for which the person insured is hospitalized for less than 24 hours upto the sum insured amount in both variants. 

Domiciliary Hospitalization: This health insurance claim can include domiciliary hospitalization costs on the doctor's recommendation. It can be up to sum insured due to the unavailability of a bed at a hospital.

Exclusions of the Plan

Max Bupa Health Pulse Individual Insurance Policy does not cover illness or injury due to:

• Circumcision
• Sleep disorders
• Unlawful activity
• Conflict & disaster
• Hazardous activities
• Behavioral Disorders
• Ancillary hospital charges
• Artificial life maintenance
• External congenital anomaly
• Convalescence & rehabilitation
• Cosmetic and reconstructive surgery
• Experimental or unproven treatment
• Substance-related and addictive disorders

Features and Benefits of the Max Bupa Health Pulse Individual Health Insurance 

The features and benefits of Max Bupa Health Pulse Individual Health Insurance policy are:

• Cumulative Bonus: For every claim-free year, Max Bupa Health Insurance increases the sum insured amount by 10% of the coverage amount, which can be up to a maximum of 100%. Further, in the case of a claim, there is no reduction done.
• Organ Transplant: The policy covers the costs of an organ donor's in-patient transplantation up to the sum insured limit.
• Renewal: There is no age limit for renewal. Once policyholders buy Max Bupa Health Pulse Individual, they can renew it for a lifetime.
• Free Health Tests: Max Bupa offers medical check-up to the person insured every year from the second year.
• Direct Claim Settlement: The Max Bupa Health Insurance plan has a direct claim settlement process, providing a faster settlement of claims.
• AYUSH Benefits: This policy covers non-allopathic treatments - AYUSH benefits upto a maximum of the sum insured amount.

Eligibility Criteria

The policy comes with the following eligibility criteria:

Cancellation Terms of the Policy

If the person insured is dissatisfied with this plan, one can return it. It can be done within 15 days from the commencement date of the policy. All the premiums paid are returned to the policyholder. Certain taxes and stamp duty is deducted before paying the premium; however, no claims have been paid out.