Max Bupa Health Insurance Top up & Super Top

Max Bupa Health Insurance top up plans are a supplementary cover that work beyond the normal health coverage. Known as Health Recharge and Money Saver Plan, these Max Bupa Health top up and super top up plans reimburse all additional expenses beyond the coverage of the original plan.

Max Bupa Health Insurance Top Up Plans: Key Highlights

Features	Health Recharge – Family Health Insurance Plan	Money Saver – Family Health Insurance Plan
Sum Insured in INR	2/ 3/ 4/ 5/ 7.5/ 10/ 15/ 25/ 40/ 45/ 65/ 70/ 90/ 95 lakh, in 3 categories	Up to Rs 1 Crore
Health Check-up	Yes	Annual
Deductible	E-saver: 10,000 / 25,000 / 50,000 Super Top Up: Rs. 1 lakh to Rs.10 lakhs, in the multiples of 1 lakh	Please check with the provider or consult Max Bupa Health Top Up Plan Brochure for more details.
In-Patient Care	Covered up to Sum Insured	Covered up to Sum Insured
Pre/Post-Hospitalization	Covered up to Sum Insured	Covered up to Sum Insured
Day Care	Covered up to Sum Insured	Covered up to Sum Insured
Room Category	Single Private Room: Optional for 2 lakh – 4 lakh Covered for 5 lakh – 95 lakh	No limit on room rent, any type below suite level is permissible

It is recommended to check Max Bupa Health Top Up Premium Chart and Max Bupa Health Super Top Up Premium Chart for further benefits under additional premiums. The provider has an easy Max Bupa Health Premium Calculator to check the premiums as well for both top up plans.

Types of Max Bupa Health Insurance Top Up Plans

There are two different plans offered under Max Bupa health insurance:

Health Recharge-Super Top-up
Money Saver-Top-up

Health Recharge

This is a super top up plan that removes the rent cap and covers daycare treatment. In addition, it also covers in-patient treatment, up to the sum insured value that can go up to Rs 95 lakh. The sum insured begins from 2 lakh. This plan can cover 2 adults and 4 children. Premiums begin from Rs 3762 per annum. One can check Max Bupa Top-up & Super top-up plan premium chart to get the best option.

Money Saver

This is a top up plan that provides in-patient care up to Rs 1 crore of the sum insured. It provides annual health check-ups and up to Rs 2000 hospital cash benefit per day. The cover begins from 10.5 lakh. This plan can cover 2 adults and 4 children. Premiums begin from Rs 8181 per annum.

Key Features & Benefits of the Max Bupa Top-up & Super Top-up Plans

Max Bupa health insurance top up and super top up plans come with comprehensive benefits:

The policy comes with a free-look period of 15 days.
Tax benefits under section 80D of Income Tax Act, subject to amendments is available.
The cashless facility at all network hospitals across the country is available.
Coverage till sum insured for Ayurveda, Unani, Siddha, and Homeopathy is available.
The customer service team handles claim settlements directly without a TPA.
The plan renews for life irrespective of prior claim history
Annual health check-up only with the Money Saver Plan.

Inclusions of the Max Bupa Health Insurance Top-up & Super Top-up Plans

The policy covers the insured for the following expenses:

In-patient hospitalization expenses
Pre- and post-hospital expenses
Domiciliary hospitalization
Organ transplant expenses
Domiciliary expenses
Emergency ambulance cover
Day care treatment cover

Exclusions of the Max Bupa Top Up & Super Top Up Plan

This policy doesn’t cover the following expenses:

Ancillary Hospital Charges
Hazardous Activities
Artificial Life Support
Behavioral, Neurodevelopmental and Neurodegenerative Disorders
Circumcision
Conflict and Disaster

For the complete list of exclusions, please refer to the Max Bupa Health Top Up Plan Brochure

Eligibility Criteria

The Max Bupa health insurance top up policy has certain eligibility conditions as mentioned below:

Minimum Entry Age	18 years
Maximum Entry Age
Renewal Terms	Life renewal
Cooling Period	30 days unless in the case of accidents
Wait Period for Named Elements	24 months for some illnesses as mentioned in Max Bupa Health Top Up Plan Brochure Cancer: 30 days Accident: Covered from the outset
Pre-existing Disease Waiting Period	36 Months since inception and continuous renewal
Sum Insured Modification	Available on renewal, subject to underwriting
Grace Period	30 days from the expiry
Underwriting	As per Board underwriting norms
Discount	As applicable

Thus, it is clear that these plans provide significant boosts to an individual's coverage over and above the existing health insurance plan. With Max Bupa top up plans, one can cover hospitalization, daycare, and pre-and post-hospitalization expenses. There are other benefits as well, as listed above.

FAQs

Q. Is there any possibility of accident cover with these plans?

Ans: Personal accidents cover is available for both the Health Recharge – Family Health Insurance Plan and the Money Saver – Family Health Insurance Plan. It protects the family against personal accidents.
Q. Is there any possibility of critical cover with these plans?

Ans: Yes, critical illness cover is available for both the Health Recharge – Family Health Insurance Plan and the Money Saver – Family Health Insurance Plan. It protects against illnesses such as kidney failure and cancer, depending on the base sum insured.
Q. Are there any aggregate deductible options with any plan?

Ans: The Health Recharge – Family Health Insurance Plan has annual aggregate deductibles ranging from Rs 10,000 to Rs 10,00,000.
Q. Does any plan provide hospital cash?

Ans: The Money Saver – Family Health Insurance Plan provides hospital cash in addition to the sum insured and in-patient treatment.