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Most Popular Policies of Max Bupa General Insurance

  • Max Bupa Heartbeat Plan
    This insurance plan is designed for individuals, couples and families and offers protection from a wide range of ailments.
    Key features of Heartbeat Plan
    • Lifelong renewal option available
    • Maternity expenses are covered for up to 2 deliveries
    • Coverage available for newborn babies including vaccination
    • Organ transplant expenses covered
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  • Max Bupa Heartbeat Family Floater Plan
    This health insurance policy offers comprehensive overage to the family of the policyholders.
    Key features of Heartbeat Family Floater Plan
    • Free health check-up available every year upon renewal
    • New born child and maternity expenses are covered
    • Availability of reward programs regardless of claims
    • coverage available for emergency ambulance service
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  • Max Bupa Health Companion Plan
    This heath insurance plan provides complete protection for policyholders and the policy is available for both individuals and families.
    Key features of Health Companion Plan
    • Lifelong renewability
    • coverage available for day care procedures and domiciliary treatment
    • expenses for organ donor treatments are covered
    • Availability of daily cash allowance
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  • Max Bupa Heartbeat Family First Plan
    The plan covers as many as 14 family members. All members can access one floating sum assured and there is an individual sum insured available for all members.
    Key features of Heartbeat Family First Plan
    • Maternity expenses are covered up to 2 deliveries
    • Vaccination expenses of new-born babies are covered
    • Organ donor's treatment expenses are under coverage
    • No sub-limit on hospital room rent
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Max Bupa Heartbeat Family First

It is a well-known fact now that Max Bupa health insurances are one of the best in the market. Perhaps this is the reason why Max Bupa Health Insurance Company Limited is growing continuously. One of the most popular health insurance plans of the company is

Max Bupa Heartbeat Family First

. This is a family floater plan and is very different from the other health insurance plan available. The various features of this plan have been discussed in detail as under.

Key Benefits

There are various key benefits of this plan which differentiate it from others and make it the best. They have been discussed as under:

  • Renewable year after year: This is one of the most important feature of a floating health policy. You would not have to care too much while buying the policy because whenever you want to renew it, you can just pay the amount and get it renewed. And the best part is that you would not have to go for a complete medical examination again. Further, no matter you reach the age of 65 or 70, you would be able to renew it.
  • No Limit on Age: Another great advantage of the Max Bupa Heartbeat family first plan is that there is no limit on age when you apply for the policy. Your baby can be covered from the day it is born and even your parents can be covered after they have crossed the age of 70.
  • Benefits for Women: In case you have opted for this policy for more than 3 years in continuity, 2 of your deliveries would be covered under the policy. Not just the delivery expenses, but the expenses you might spend on vaccination of the baby for a complete 1 year would also be covered.
  • Online Tracking is Possible: Another great advantage, you can track your profile online. Whether you want to access your personal details, or you want to know more about your claim history, all things would be there right before your eyes on your computer screen.

Major Exclusions:

  • Pre-Existing Diseases not covered initially: In case you have some pre-existing disease, it would not be covered under the policy from the day you get the policy. But, once 48 hours have been elapsed, you are eligible to go for it.
  • Treatment during first 90 Days: Any person who undergoes a treatment, be it of any kind, except for an accident or emergency, would not be covered by the policy in the initial 90 days.
  • Some diseases would not be covered: There are some diseases that would not be covered at all under the Max Bupa Heartbeat Family First policy. These include artificial life maintenance, experimental treatment, outpatient treatment, sexually transmitted diseases, sexual problems and gender issues and more of these kind.

Restrictions of the Max Bupa Heartbeat Family First Policy:

Minimum Maximum
Sum for which an Insured can apply under one policy Rs. 1,00,000 Rs. 5,00,000
Sum for which the insured can apply for the floater cover Rs. 3,00,000 Rs. 15,00,000
Number of the years of the Term of the policy 1 year 1 year
Age of the insured No restriction No restriction

Frequently Asked Questions:

  • Are there any restrictions on time period for which one can get the policy?
    Yes, one can take the policy either for a period of 1 year or for a period of 2 years. And, if one needs to get the policy for more than a period of 2 years, he would have to renew it before the term end of the policy.
  • Are there any tax benefits if the policy?
    Yes, there is a tax benefit that you can apply for. Under the section 80D of the income tax act 1961, the insured would be able to deduct a sum of Rs. 15,000 from the taxable income as he would have to pay this as the health premium. If the insured is a senior citizen, he can even get a deduction of Rs. 20,000.
  • If the family members live in different cities, can they still be covered under one policy?
    Yes, they all can be covered under one policy no matter where the family lives and even if the family members are living in separate cities.
Sum Insured = Rs 5 lakh
  • Age (in years)
  • Deductible (in Rs)
  • 1 lakh
  • 2 lakh
  • 3 lakh
  • 91 days- 35
  • 1999
  • 1049
  • 899
  • 36-45
  • 2750
  • 1500
  • 1400
  • 46-60
  • 4813
  • 2925
  • 2170
  • 61-75
  • 10106
  • 5704
  • 3472
  • 76 and above
  • 24053
  • 14254
  • 9090