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

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

 

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

*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.