No. Most Life Insurance products are designed to protect your family (or dependents) from a financial loss that may arise in the event of your untimely death. The payout is made mostly post the death of the person insured or at the maturity of the policy. Health Insurance on the other hand, protects you against ill health or diseases by covering the expenses you might incur for treatment, diagnosis etc. Health insurance policies need to be renewed annually.

Yes. You can avail a tax benefit available under Section 80D of the Income Tax Act 1961 by buying a health insurance policy. Every taxpayer can avail an annual deduction of Rs. 15,000 from his/her taxable income for health insurance premium for self and dependants. For senior citizens, this amount is Rs. 20,000. Please note that you will have to show the proof of payment of premium. (Section 80D benefit is different from the exemption of Rs 1,00,000 under Section 80 C). These benefits are as per prevalent applicable tax laws. We advise you to consult your tax advisor for further details or clarifications.

A medical checkup may be necessary when you sign up for a new health insurance policy. However, medical checkups are not usually needed for renewal of policies. It is in your best interests to undergo a medical check-up at the time of enrollment so that when you need us, we‘re there to provide speedy and efficient support and faster settlement of claims.

Your health insurance policy is issued for a period of one year only. At the end of your insurance period you need to renew your policy if you wish to continue being covered, without a break.

The Annual Insurance Cover amount is the maximum amount payable during the year in the event of aone or more claims. It is also known as ‘sum insured’ and ‘sum assured’. The premium of the policy is also dependent on the annual insurance amount that you choose.

Of course. You can cover your family residing in India under one policy. Your health insurance policy can be sued by you all across India. For cashless facility, you need to do is check for a Max Bupa network hospital near your place of residence. You can also get your claims reimbursed if you get treated at a hospital which is not in Max Bupa’s hospital network.

We have a network of hospitals all across India. Our Network Hospitals are those with whom we have a contract for cashless settlement of claims. This means, we settle directly with the hospital for expenses that are covered under your policy. You can search for a Network Hospital near you by using the network hospital search tool on this website. However, if you choose to go to a hospital outside our network, you will have to pay for the treatment and then re-claim the expenses from us for reimbursement. You may also have to pay an amount towards the cost of your treatment (a ‘co-payment’) depending on your plan.

Naturopathy and homeopathy treatments are not covered under our Heartbeat Health insurance plans. Our coverage is available for allopathic treatments in recognized hospitals and nursing homes.

Yes, your Health Insurance covers all diagnostic tests like X- Rays, MRIs, Blood Tests etc. if they are associated with an insured person’s stay in the hospital. These tests must also have been conducted within a maximum of 30 days prior to hospitalization and/or 60 days post hospitalization or during hospitalization.In addition, we cover outpatient diagnostic tests if a specialist prescribes them and if you have chosen the Platinum Policy.

An organization that processes health plan claims but does not carry any insurance risk.