• Max Bupa Health Insurance - Compare plans, reviews & renew online

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    Health Insurance
    • Enjoy options to cover yourself, your spouse, kids and even your parents
    • Enjoy access to 10,000+ hospitals for cashless treatment
    • Reduce your taxable income by up to Rs. 50,000 deduction under section 80D**

    A market leader in health insurance solutions, Max Bupa Health Insurance Company Limited is a joint venture between Bupa, a UK-based health services firm and Max India Limited. The Max Group has a rich background in insurance as well as healthcare and Bupa has immense experience in the healthcare industry with a 29 million customer base scattered across 190 countries. Max Bupa Health Insurance has insured over 28 lakh people to date and has settled claims that add up to Rs.1,141 crore. Max Bupa makes the claims process simple and does not involve any TPAs. The company promises to provide the pre-authorisation letter for cashless claims within 30 minutes.

    Max Bupa Health Insurance Highlights

    Factor Details
    Health insurance plans
    • 4 Hospitalisation plans
    • 1 Critical Illness plan
    • 1 Accident insurance plan
    E-services offered
    • Renew health insurance policy
    • Check claim status online
    • Register claim online
    • Get quotes for premium payable for preferred insurance policies
    Claim settlement Direct claim settlement by insurer without TPA involvement
    Claims settled since inception Rs.1,141 crore

     

    Features & Benefits of Max Bupa Health Insurance

    • Direct claim settlement: All claims made with Max Bupa are settled without any hassles through a direct process. There is no third-party administrator involved and claims made are settled by the expert team of customer service representatives.
    • Speedy cashless services: Max Bupa has a wide network of cashless claim networks that provide customers good quality health services within a time frame of 30 minutes of making a request.
    • Comprehensive coverage options: Max Bupa offers an extensive and wide range of health insurance products that offer comprehensive coverage that caters to specific needs and preferences.
    • International service: Those who opt for the Heartbeat Platinum plan will be eligible to avail the benefit of obtaining medical treatment in foreign countries for certain specified critical illnesses.
    • Maternity benefits: Pregnancy, pre, and post-natal care are covered under the health insurance policies offered by Max Bupa. Also, children born to mothers who are covered under maternity benefits will be automatically eligible to be a part of the policy during the renewal process.
    • Family coverage: All family members can be accommodated in a single plan, including senior citizens and newborn babies.
    • Lifelong renewal: Max Bupa offers policies that can be renewed on a life-long basis without any hassles.

    Plans provided by Max Bupa Health Insurance

    Plan Name Plan Basis (individual, family, etc) Sum Insured (Min and Max) Policy Term
    Heartbeat Individual and Family Platinium: From Rs.15 lakh to Rs.1 crore From Gold: Rs.5 lakh to Rs.50 lakh 1 and 2 years
    Health Assurance Individual and Family
    Criticare From Rs.3 lakh to Rs.2 crore
    Accident Care From Rs.5 lakh to Rs.5 crore
    Hospital Cash From Rs.1,000 to Rs.4,000 per day
    1, 2 and 3 years
    Health Companion Individual and Family Min: Rs.3 lakh Max: Rs.1 crore 1 and 2 year

    *Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.

    Heartbeat

    The Heartbeat health insurance plan is designed for individuals, couples, nuclear and extended families and come with different sum insured options depending on the number of people in the plan. Individual, couple and nuclear family plans come in two variants: Gold and Platinum. The plan for extended family comes in Silver, Gold, and Platinum options.

    Unique Features of Platinum Plan

    • In the Platinum plan, there is no upper limit on room-related charges, second opinion can be taken and it also includes treatment in foreign countries
    • In the Gold plan, the sum insured will cover room charges with no upper limit but suite rooms or above will not be covered
    • Other coverages provided include diagnostic services, OPD treatment, alternative treatments, maternity benefits, pre and post-hospitalization expenses, consultation fee, diagnostic tests, daily allowances, ambulance services, etc
    • As many as 19 members of the family can be included in the Heartbeat family plan
    • Policyholders will have the benefit of undergoing diagnostic tests under the Gold and Platinum plans

    Plan Details

    Policy term 1 and 2 year
    Entry Age Between 18 to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Platinium: From Rs.15 lakh to Rs.1 crore From Gold: Rs.5 lakh to Rs.50 lakh
    Premium Varies based on the sum insured
    Medical Screening Yes
    Co-Payment 10% and 20%
    Waiting Period 24 months for Gold & Platinum users 48 months for Silver users
    No Claim Bonus Offered
    Discounts 12.5% discount on premium for policies purchased for 2 years

    Health Assurance

    This Health Assurance plan that is designed to provide critical care, accident and hospital cash cover to both individuals and families.

    Unique Features of Health Assurance

    • Policyholders can customize their plans as per needs to choose between CritiCare, AccidentCare, and HospitalCash. Any of the combinations mentioned in the table below can be used:
    CritiCare + AccidentCare + HospitalCash
    CritiCare + AccidentCare
    CritiCare + HospitalCash
    AccidentCare + HospitalCash
    CritiCare
    AccidentCare
    • This plan can be opted as individual or family plan and comes with a lifelong renewability option
    • The critical illness plan provides coverage to 20 critical illnesses listed below:
    Cancer of specified severity
    Open chest CABG
    First heart attack
    Repair of heart valves or open heart replacement surgery
    Stroke with permanent symptoms
    Muscular dystrophy
    Bacterial meningitis
    Aplastic anaemia
    Deafness
    Loss of speech
    Third-degree burns
    End of stage lung disease
    End of stage liver disease
    Multiple sclerosis with persistent symptoms
    Motor neuron disease with permanent symptoms
    Major organ or bone marrow transplant
    Kidney failure with regular dialysis
    Coma of specified severity
    Permanent paralysis of limbs
    Fulminant viral hepatitis
    • Under the CritiCare plan, the policyholder is entitled to receive the sum insured as a lump sum
    • AccidentCare option is for both individuals and families. The coverage options provided are accidental death, accidental permanent disability in total, accidental permanent partial disability, child education benefit, funeral expenses
    • The HospitalCash option is applicable to individuals and families including self, spouse and two children. This can be availed only if hospitalization is for more than 48 hours and cash allowance will be paid for a total of 45 days

    Plan Details

    Policy term 1,2 and 3 years
    Entry Age Between 18 to 65
    Plan Basis Individual and Family
    Sum Insured Range
    CritiCare From Rs.3 lakh to Rs.2 crore
    AccidentCare From Rs.5 lakh to Rs.5 crore
    HospitalCash From Rs.1,000 to Rs.4,000 per day
    Premium As applicable in the policy document
    Waiting Period 90 days for CritiCare, 30 days for HospitalCash, no waiting period for AccidentCare
    No Claim Bonus Yes
    Discounts 10% online discount 12.5% discount on 2nd-year premium 15% discount on 3rd-year premium

    Health Companion

    Max Bupa - Health Companion is a comprehensive health insurance policy formulated to cater to both individuals and family needs. It offers customers hassle-free claim settlement and lifelong renewability.

    Unique features of Health Companion

    • This provides coverage towards room rent, pre and post-hospitalization expenses, day care treatments, hospitalization expenses and also covers alternative treatments such as AYUSH, Ayurveda, Unani, Siddha, and Homeopathy
    • Cashless claim services can be availed across the country within a notice period of 30 minutes
    • Comes with a ‘Smart Top-up’ option
    • Refill option for sum insured
    • Year-on-year loyalty benefits

    Plan Details

    Policy term 1 and 2 years
    Entry Age Between 18 to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.3 lakh Max: Rs.1 crore
    Premium As applicable in the policy document
    Waiting Period 24 months, 30 days for pre-existing diseases
    No Claim Bonus 20%
    Discounts 12.5% on 2nd-year plan

    Checklist before Buying Max Bupa Health Insurance

    • Compare all the plans provided and choose a sum insured option that provides enough coverage to suit the health needs of the individual and family
    • Finalize the coverage amount
    • Finalize the add-on options
    • Check the waiting period and exclusions
    • Read the policy document
    • Keep all documents ready

    Documents Required for Purchasing Max Bupa Health Insurance

    • Id proof
    • Address proof
    • Medical certificates, if asked

    Reasons to choose Max Bupa Health Insurance

    Trusted name in industry
    29 million wide customer base
    Customer centric approach
    Global expertise in health insurance

    Incurred Claim Ratio of Max Bupa Health Insurance

    Incurred claim ratio basically refers to the percentage of claims that are successfully solved by the insurance company in a given financial year.

    Year Incurred Claim Ratio
    2016-17 51.96%

    Extra Benefits from Max Bupa Health Insurance

    Customer grievance redressal Max Bupa is has a customer grievance redressal mechanism that gives policyholders the platform to lodge complaints. This can be done by calling the toll-free number or writing an email.
    Healthlink portal Max Bupa has a portal where users can read interesting articles, blog posts and tips about health

    Renewal of Max Bupa Health Insurance Policy

    Renewing a Max Bupa health insurance policy is a very easy and hassle-free process and can be done online easily. Log on to the Max Bupa website and click on the ‘Renew’ option on the main page. Then simply key in your policy number, proceed and make payment.

    Max Bupa Network Hospitals for Cashless Treatment

    With over 3,500 cashless claim network hospitals across the country, Max Bupa provides customers quick cashless treatment services. To locate the nearest network hospital, log on to the website.

    Claim Procedure in Max Bupa

    Cashless claim:

    • Inform the insurance provider at the earliest
    • Get approval for the claim
    • All bills will be paid by the insurance company directly to the empanelled hospital

    Reimbursement claim:

    • Fill claim form
    • Bills, invoices, and discharge summary should be kept ready
    • Submit the relevant documents along with the claim form
    • Reimbursements will be made within 15 working days

    Terms and Conditions of the Insurer

    • The insurance provider can at any point of time make changes, revise and alter the premium as per IRDA guidelines
    • The insurance provider has the right to order the cancellation of the policy in case the insured has provided any kind of false information or has misrepresented facts at the time of purchase of the policy
    • A policyholder can seek an increase in the sum insured at the time of renewing the policy or in writing, However, this is at the discretion of the insurance provider.

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