Health Insurance from Max Bupa

Max Bupa Insurance

Investing in a health insurance plan should be as easy and seamless as buying groceries. Hence, Max Bupa, a strategic collaboration between Max India Limited and Bupa, offers a wide range of health insurance products that not only protect your health, but also ensure that you don’t have to break a sweat later.

Features of Max Bupa Health Insurance

  • No. of members – The Max health insurance plan covers maximum 4 members of your family with up to 2 children and 2 adults.
  • Lifelong Renewal – The Max health insurance plans offered are lifelong renewable hence it saves you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation.
  • Pre & Post hospitalization cover – The Max health insurance plan covers medical expenses for 30 days prior to hospitalization and 60 days post hospitalization only for related medical expenses.
  • Pre-existing diseases – Max health insurance covers Pre-existing diseases after 4 years of waiting period.
  • Room-rent- There are zero or no sub-limits on room rent in Max health insurance.

Benefits of Max Bupa Health Insurance

  • Max-Bupa health insurance has no involvement of the TPA, direct liaison with the company initiates quicker resolutions.
  • No age restriction for enrolment in the Max health insurance plans.
  • Max health insurance plans also offer Maternity and New Born Child benefits.

Products offered by Max Bupa Health Insurance

Health @ Companion

Health @ Companion plan offers the most basic coverage when compared to all the other plans by Max Bupa. It has option of individual or family floater coverage. There are two variants of this plan offered by Max Bupa Health Insurance. Given below are the details of coverage offered on individual or family floater basis under both the variants:

Health @ Companion - Silver

Individual Coverage:

  • Max Bupa health insurance policy offers basic coverage in the range of Rs.2 lakh and Rs.4 lakh for individuals of between age 18 years and 65 years.
  • Pre and post hospitalization expenses, day care procedures, etc., are benefits provided in the Max medical insurance plan.
  • Co-payment of 20% (amount to be paid by the policy holder before claiming for the policy) is applicable for individuals above age 65 years in Max medical insurance plan

Family Floater Coverage:

  • This is a basic family floater Max Bupa medical insurance plan, which covers health costs of the entire family in the range of Rs.2 lakh and Rs.4 lakh.
  • A maximum of 2 adults (proposer & spouse) in the family between age 18 years and 60 years and 4 children between age 3 months and 23 years can be covered under this policy.
  • Pre and post hospitalization expenses, day care procedures, etc., are benefits provided in this plan.
  • Co-payment of 20 % (amount to be paid by the policy holder before claiming for the policy) is applicable for individuals above age 65 years.

Health @ Companion- Gold

Individual Coverage:

  • This Max Bupa Mediclaim policy offers basic coverage of Rs.5 lakh for individuals between age 18 years and 65 years.
  • Pre and post hospitalization expenses, day care procedures, etc are benefits provided in this plan. This plan offers higher expense cover than Health Companion @ Silver.
  • Co-payment of 20 % (amount to be paid by the policy holder before claiming for the policy) is applicable for individuals above age 65 years. Family Coverage:
  • This is a basic Max Bupa medical insurance family floater plan which covers health costs of the entire family in the range of Rs.5 lakh.
  • A maximum of 2 adults (proposer & spouse) and 4 children in the family between age 18 years and 60 years and dependent children between age 3 months and 23 years can be covered under this health insurance policy.
  • Pre and post hospitalization expenses, day care procedures, etc., are benefits provided in this plan. This plan offers higher expense cover than Health Companion @ Silver.
  • Co-payment of 20 % (amount to be paid by the policy holder before claiming for the policy) is applicable for individuals above age 65 years.

If you are looking out for a health insurance plan to cover your basic hospitalization expenses then know more about Health @ Companion click here.

Health Assurance

Individual Coverage:

  • Critical illness benefit- The policy would provide lump sum amount in case of critical illness and coverage in the range of Rs.3 lakh and Rs.10 lakh between age 18 years and 65 years.
  • Hospital cash- This would additionally to cover miscellaneous expenses required on daily basis during hospitalization. It provides coverage in the range of Rs.1000 per day to INR 4000 per day between age 18 years and 65 years.
  • Personal accident- It would provide lump sum amount in case of accidents. The coverage offered would be in the range Rs.5 lakh and Rs.25 lakh between age 18 years and 65 years.
  • The plan also has 7 options having different combinations of benefits in it.
  • Option I- Will have critical illness cover, Hospital cash benefit and personal accident cover.
  • Option II- Will have critical illness cover and hospital cash benefit.
  • Option III- Will have critical illness and personal accident cover.
  • Option IV- Will have hospital cash benefits and personal accident cover.
  • Option V- Will have critical illness cover only.
  • Option VI- Will have hospital cash benefit only.
  • Option VII- Will have personal accident cover only.

Family Floater Coverage:

  • Critical illness benefit- It would provide lump sum amount in case of critical illness and coverage in the range of Rs.3 lakh and Rs.10 lakh between age 18 years and 65 years.
  • A maximum of 2 adults can be covered for this benefit. Hospital cash- This would additionally cover miscellaneous expenses required on daily basis during hospitalization. It provides coverage in the range of Rs.1000 per day to Rs.4000 per day between age 18 years and 65 years.
  • Proposer, spouse and 2 children can be covered for this benefit. Personal accident- It would provide lump sum amount in case of accidents. The coverage offered would be in the range of Rs.5 lakh to Rs.25 lakh between age 18 years and 65 years.
  • Proposer, spouse and 2 children can be covered for this benefit.
  • The plan also has 7 options having different combinations of benefits in it.
  • Option I- Will have critical illness cover, Hospital cash benefit and personal accident cover
  • Option II- Will have critical illness cover and hospital cash benefit
  • Option III- Will have critical illness and personal accident cover
  • Option IV- Will have hospital cash benefits and personal accident cover
  • Option V- Will have critical illness cover only
  • Option VI- Will have hospital cash benefit only
  • Option VII- Will have personal accident cover only

In case Health Assurance provides all the benefits that you are looking out for know more about the plan, contact Coverfox.

Family First- Silver Policy

Max Bupa has some very unique family floater options Family First is one such plan. There are three variants under this plan. Given below are the details of the coverage offered.

  • This is a unique Max Bupa family health insurance plan specially designed for joint families which covers any number of family members from defined 14 family relations.
  • The base sum insured is divided into two insured values such that all the members are covered on an individual as well as floater basis under same plan.
  • The individual Sum insured value is the range of Rs.1 lakh and Rs.5 lakh.
  • The family Sum insured value is in the range of Rs.3 lakh and Rs.15 lakh.
  • The policy offers basic coverage like pre and post hospitalization expenses, day care procedures, health check-up (every two years), maternity benefit and newborn cover, etc.
  • Under loyalty program, the plan offers additional sum insured or earn and redeem benefit on every renewal irrespective of claims made.
  • 10 % or 20 % co-payment is applicable above age 65 years.

Family First- Gold Policy

  • This is a unique family health plan specially designed for joint families which covers any number of family members from defined 14 family relations.
  • The base sum insured is divided into two insured values such that all the members are covered on an individual as well as floater basis under same plan.
  • The individual Sum insured value is the range of Rs.1 lakh and Rs.15 lakh.
  • The family Sum insured value is in the range of Rs.3 lakh and Rs.50 lakh.
  • The policy offers higher coverage values than the silver policy in case of pre and post hospitalization expenses, day care procedures, health check-up (every year), maternity benefit and newborn cover, etc.
  • Under loyalty program, the plan offers additional sum insured or earn and redeem benefit on every renewal irrespective of claims made.
  • 10 % or 20 % co-payment is applicable above age 65 years.

Family First- Platinum Policy

  • This is a unique Max Bupa health insurance plan for family specially designed for a joint family, which covers any number of family members from defined 14 family relations.
  • The base sum insured is divided into two insured values such that all the members are covered on an individual as well as floater basis under same plan.
  • The individual Sum insured value is the range of Rs.5 lakh and Rs.15 lakh.
  • The family Sum insured value is in the range of Rs.15 lakh and Rs.50 lakh.
  • The policy offers higher coverage values than the gold policy in case of pre and post hospitalization expenses, health checkup (every year), maternity benefit and newborn cover, outpatient, etc. Additionally, this policy has international coverage for 9 treatments specified in the document.
  • Under loyalty program, the plan offers additional sum insured or earn and redeem benefit on every renewal irrespective of claims made.
  • 10 % or 20 % co-payment is applicable above age 65 years.

If you have a big joint family and family first is suitable as per your requirement then, know more about the terms and conditions under the policy, contact Coverfox.