Family First

This is a one-of-its-kind Health Insurance plan, which caters to the needs of the Indian joint family. You can get coverage for up to 14 relationships with individual sum insured for each member and a floater sum insured that can be used by any of the family members.


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  • In-patient Care (Hospitalisation)

    We cover cost of medical treatment when you or your insured family members are hospitalised for treatment.

  • Pre & Post Hospitalization Medical Expenses

    We shall reimburse medical expenses incurred due to illness. The period of the treatment which we will cover should be 30 days before you get admitted to a hospital and 60 days after you get discharged from the Hospital, This is subject to Max Bupa accepting an Inpatient Care hospitalisation claim.

  • Maternity Benefits

    This benefit is available to an adult female covered in the plan. This benefit is available after continuous two year coverage under the policy.

  • Newborn Baby

    Your new born baby will be covered as an insured person from birth without any additional premium. This is till the next renewal and will be applicable only if Max Bupa has paid the Maternity claim.

  • Vaccination Cover

    We shall also cover vaccination expenses of the new born baby till the end of the policy year in which the baby is born and extend the vaccination expense cover till the baby completes one year. This expense is covered only if we have accepted the baby as an insured person on renewal immediately after the delivery.

  • All Day Care Treatment Covered

    We cover all day care treatments, not just a select few. However, the treatment should not be in the outpatient department of the hospital.

  • Health Relationship Program

    You are eligible for our Health Relationship Program if the Policy is renewed with us without any break. Under this program you may opt for any one of the following options

    a.Increase in your Sum Insured– You will get 10% additional Sum Insured each policy year of expiring base Sum Insured. Also, the additional sum insured can be accumulated upto 50% of current base sum insured.

    b.Earn and Redeem - You can earn points worth 10% of your last paid annual premium after you renew your policy and these points can be redeemed on our website for various health and lifestyle products and services

    Please note that if you select option ‘a’, you cannot go back to option ‘b’ in the next year.

  • 2 year Policy Tenure Option

    You can choose to opt for 2 year policy tenure and avail discount.

  • Free Health Check-Up once every 2 years

    You are eligible to undergo Health check up and diagnostics at no extra premium. It shall be arranged for you with our empanelled service providers.

  • Any Age enrollment

    We cover every member of your family, irrespective of their age. i.e. from a new born child to senior citizens. There is no minimum or maximum age for enrollments.

  • Tax Benefit

    You can save tax under Section 80D of the Income Tax Act when you buy a Max Bupa Health Insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

  • Direct Claim Settlement

    We settle your claims directly, without any third party involvement. Because in times of crisis you should concentrate only on your health rather than chasing a ‘third party’ for settlement of your claims.

  • Assured Policy Renewal for Life

    We assure you renewability for life. The premium does not increase even if you make a claim in the previous year. The premium is based only on your age and city of residence, rather than your claim history.

  • Organ Transplant

    Medical expenses for an organ donor’s treatment for harvesting of the organ are covered

  • Cashless Facility

    Cashless approval within 4 hours: we provide cashless approval within 4 hours, at a network of quality hospitals.

  • Domiciliary Treatment

    In case a bed in the hospital is unavailable or the patient has been advised treatment at home by the attending medical practitioner Max Bupa will pay for this medical treatment which is taken at home.

  • Emergency Ambulance

    We cover costs incurred towards Emergency Ambulance. The expenses are paid once an In-patient claim has been accepted.

  • Free Look Period

    We endeavor for transparency and complete satisfaction and therefore, our policies are simple and easy to understand. Yet if you are still not satisfied, we provide a 15 day free look period within which you can cancel your plan by simply stating the reason.

  • UAN no.: MB/BR/2014-2015/303

  • In-patient Care (Hospitalisation)

    We cover cost of medical treatment when you or your insured family members are hospitalised for treatment.

  • Pre & Post Hospitalization Medical Expenses

    We shall reimburse medical expenses incurred due to illness. The period of the treatment which we will cover should be 30 days before you get admitted to a hospital and 60 days after you get discharged from the Hospital, This is subject to Max Bupa accepting an Inpatient Care hospitalisation claim.

  • All Day Care Treatment Covered

    We cover all day care Treatments, not a select few. However, such a procedure should not be in the outpatient department of a hospital.

  • Maternity Benefits

    This benefit is available to an adult female covered in the plan, after three continuous premiums have been paid.

  • Newborn Baby

    Your new born baby will be covered as an insured person from birth without any additional premium. This is till the next renewal and will be applicable only if Max Bupa has paid the Maternity claim

  • Vaccination Cover

    We shall also cover vaccination expenses of the new born baby till the end of the policy year in which the baby is born and extend the vaccination expense cover till the baby completes one year, This expense is covered only if we have accepted the baby as an insured person on renewal immediately after the baby’s delivery.

  • 2 year Policy Tenure Option

    You can choose to opt for 2 year policy tenure and avail discount.

  • Any Age enrollment

    We cover every member of your family, irrespective of their age. i.e. from a new born child to senior citizens. There is no minimum or maximum age for enrollments.

  • Health Relationship Program

    You are eligible for our Health Relationship Program if the Policy is renewed with us without any break. Under this program you may opt for any one of the following options

    a.Increase in your Sum Insured– You will get 10% additional Sum Insured each policy year of expiring base Sum Insured. Also, the additional sum insured can be accumulated upto 50% of current base sum insured.

    b.Earn and Redeem - You can earn points worth 10% of your last paid annual premium after you renew your policy and these points can be redeemed on our website for various health and lifestyle products and services

    Please note that if you select option ‘a’, you cannot go back to option ‘b’ in the next year.

  • Free Annual Health Check-Up

    You are eligible to undergo Health check up and diagnostics at no extra premium. It shall be arranged for you with our empanelled service providers.

  • Tax Benefit

    You can save tax under Section 80D of the Income Tax Act when you buy a Max Bupa Health Insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

  • Direct Claim Settlement

    We settle your claims directly, without any third party involvement. Because in times of crisis you should concentrate only on your health rather than chasing a ‘third party’ for settlement of your claims.

  • Assured Policy Renewal for Life

    We assure you renewability for life. The premium does not increase even if you make a claim in the previous year. The premium is based only on your age and city of residence, rather than your claim history.

  • Organ Transplant

    Medical expenses for an organ donor’s treatment for harvesting of the organ are covered

  • Cashless Facility

    Cashless approval within 4 hours: we provide cashless approval within 4 hours, at a network of quality hospitals.

  • Domiciliary Treatment

    In case a bed in the hospital is unavailable or the patient has been advised treatment at home by the attending medical practitioner Max Bupa will pay for this medical treatment which is taken at home.

  • Emergency Ambulance

    We cover costs incurred towards Emergency Ambulance. The expenses are paid once an In-patient claim has been accepted.

  • Free Look Period

    We endeavor for transparency and complete satisfaction and therefore, our policies are simple and easy to understand. Yet if you are still not satisfied, we provide a 15 day free look period within which you can cancel your plan by simply stating the reason.

  • UAN no.: MB/BR/2014-2015/303

  • In-patient Care (Hospitalisation)

    We cover cost of medical treatment when you or your insured family members are hospitalised for treatment.

  • No Limit on the Hospital Room category

  • International Treatment support for Specified Illnesses

    Our platinum customers can avail treatment abroad for 9 specified critical illnesses. They are covered if detected in India by a Medical practitioner within the policy period on cashless basis.

    The specified illnesses covered are listed below:

    a.Cancers like leukemia, lymphoma and sarcoma excluding all tumours in the presence of HIV infection
    b.Heart Attack (Myocardial Infarction)
    c.Coronary Artery Bypass Graft (CABG)
    d.Major Organ Transplant for heart, lung, liver, kidney, pancreas to treat irreversible end-stage failure of the relevant organ human bone marrow using haematopoietic stem cells is also covered.
    e.Stroke
    f.Surgery of Aorta including graft, insertion of stents or endovascular repair excluding surgery required due to underlying congenital condition.
    g.Coronary Angioplasty subsequent to myocardial infarction or anginal attack.
    h.Primary Pulmonary Arterial Hypertension
    i.Brain Surgery

  • Consultation and diagnostic tests

    We shall cover reasonable and customary expenses towards consultation as an outpatient with a doctor to assess the Insured Person’s condition.

  • Consultation and Diagnostic Tests Carry Forward

    If the Policy is renewed with us without any break and there is an unutilized amount under the applicable sub-limit in a Policy Year, then we will carry forward 80% of this unutilized amount to the next Policy Year.

  • Emergency Medical Evacuation and Hospitalization

    In case of a medical emergency outside India we will provide assistance in medical evacuation of the Insured Person and cover the reasonable and customary costs of transportation of the Insured Person (and an attending Doctor if this is medically necessary)

  • Pre & Post Hospitalization Medical Expenses

    We shall reimburse medical expenses incurred due to illness. The period of the treatment which we will cover should be 30 days before you get admitted to a hospital and 60 days after you get discharged from the Hospital, This is subject to Max Bupa accepting an Inpatient Care hospitalisation claim

  • All Day Care Treatment Covered

    We cover all day care treatment, not just a select few. However, the treatment should not be in the outpatient department of the hospital.

  • Maternity Benefits

    This benefit is available to an adult female covered in the plan, after three continuous premiums have been paid.

  • Newborn Baby

    Your new born baby will be covered as an insured person from birth without any additional premium. This is till the next renewal and will be applicable only if Max Bupa has paid the Maternity claim.

  • Childcare benefits

    We cover specified vaccination expenses for insured children until they have completed 12 years. We also cover consultation for nutrition and growth provided to the child during a visit for vaccination.

  • Vaccination Cover

    We shall also cover vaccination expenses of the new born baby till the end of the policy year in which the baby is born and extend the vaccination expense cover till the baby completes one year, This expense is covered only if we have accepted the baby as an insured person on renewal immediately after the delivery.

  • Any Age enrollment

    We cover every member of your family, irrespective of their age. i.e. from a new born child to senior citizens. There is no minimum or maximum age for enrollments.

  • 2-year Policy Tenure Option

    You can opt for 2 year tenure and avail discount.

  • Health Relationship Program

    You are eligible for our Health Relationship Program if the Policy is renewed with us without any break. Under this program you may opt for any one of the following options

    a.Increase in your Sum Insured– You will get 10% additional Sum Insured each policy year of expiring base Sum Insured. Also, the additional sum insured can be accumulated upto 50% of current base sum insured.

    b.Earn and Redeem - You can earn points worth 10% of your last paid annual premium after you renew your policy and these points can be redeemed on our website for various health and lifestyle products and services

    Please note that if you select option ‘a’, you cannot go back to option ‘b’ in the next year.

  • Tax Benefit

    You can save tax under Section 80D of the Income Tax Act when you buy a Max Bupa Health Insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

  • Direct Claim Settlement

    We settle your claims directly, without any third party involvement. Because in times of crisis you should concentrate only on your health rather than chasing a ‘third party’ for settlement of your claims.

  • Assured Policy Renewal for Life

    We assure you renewability for life. The premium does not increase even if you make a claim in the previous year. The premium is based only on your age and city of residence, rather than your claim history.

  • Cashless Facility

    Cashless approval within 4 hours: we provide cashless approval within 4 hours, at a network of quality hospitals.

  • Organ Transplant

    Medical expenses for an organ donor’s treatment for harvesting of the organ are covered

  • Domiciliary Treatment

    In case a bed in the hospital is unavailable or the patient has been advised treatment at home by the attending medical practitioner Max Bupa will pay for this medical treatment which is taken at home.

  • Emergency Ambulance

    We cover costs incurred towards Emergency Ambulance. The expenses are paid once an In-patient claim has been accepted.

  • Free Look Period

    We endeavor for transparency and complete satisfaction and therefore, our policies are simple and easy to understand. Yet if you are still not satisfied, we provide a 15 day free look period within which you can cancel your plan by simply stating the reason.

  • UAN no.: MB/BR/2014-2015/303

  • • Default policy term for all plans is one year. You can choose a 2 year terms as well.

  • • Compulsory Reducing Co-Payment above the age of 65 Yrs: Reducing co-pay starts at 20% and reduces by 5% for each continuous year of cover. For e.g. if a customer has a continues coverage of 3 years prior to commencement of 65th yrs of age, then the co-payment applicable at the age of 65 yrs shall be 5% and 66th yr of age onwards co-payment shall be nil.

  • • We will not cover treatment during the first 90 days of the policy, unless the treatment needed is a result of an Accident or emergency. This waiting period does not apply for renewal Policy.

  • • Benefits will not be available for Pre-existing Diseases until 24 months (for platinum and gold plans) and 48 months (for silver plans) of continuous coverage from first policy start date.

  • • Some conditions will be subject to a waiting period of 24 months and will be covered in the third policy year only.

  • •Please do read more about the common exclusions in the policy here .

  • Permanent Exclusions

    • 1. Addictive conditions and disorders
    • 2. Ageing and puberty
    • 3. Artificial life maintenance
    • 4. Circumcision
    • 5. Conflict and disaster
    • 6. Congenital conditions
    • 7. Convalescence and Rehabilitation
    • 8. Cosmetic surgery
    • 9. Dental/oral treatment
    • 10.Drugs and dressings for OPD Treatment or take-home use
    • 11.Eyesight
    • 12.Unproven/Experimental treatment
    • 13.Health hydros, nature cure, wellness clinics etc.
    • 14.HIV and AIDS
    • 15.Hereditary conditions (Specified)
    • 16.Items of personal comfort and convenience, including but not limited to
    • 17.Alternative Treatment
    • 18.Psychiatric and Psychosomatic Conditions
    • 19.Obesity
    • 20.OPD Treatment
    • 21.Reproductive medicine - Birth control & Assisted reproduction
    • 22.Self-inflicted injuries
    • 23.Sexual problems and gender issues
    • 24.Sexually transmitted diseases
    • 25.Sleep disorders
    • 26.peech disorders
    • 27.Treatment for developmental problems
    • 28.Treatment received outside India
    • 29.Unrecognised physician or Hospital
    • 30.Unlawful Activity
    • 31.Genetic disorders
    • 32.Any costs or expenses specified in the List of Expenses Generally Excluded at Annexure III of policy wording

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  • Claims Process

    • Step 1 – Select a hospital of your choice from the list of our network hospitals. (We advise you to select a hospital atleast 72 hours before treatment)
    • Step 2 – For identification purposes, please carry one of the following documents along with your Max Bupa Health Card or Policy Number:


      Passport
      Voters' Card
      PAN Card
      Driver's License

      • Step 3 – Network hospital will check your identity for validation and submit a pre-authorization form to us.
      • Step 4 – We provide our decision to the hospital within 4 hours, when no further document is required.
      • Step 5 – You can get admitted in the hospital and can sign the required documents, forms and invoices when you get discharged. To simplify the hospitalization procedure for you, we will assign a relationship manager.
      • Step 6 – We make payments to the hospital for pre-approved treatment and as per policy terms and conditions

  • How can I buy this policy?

    There are various ways in which you can purchase this policy: Online: On purchase of this plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup. While all our plans including Heartbeat and Health Assurance are available for purchase through this mode, our online special plan Health@Companion can be bought only through this mode. Telephone: If you wish to know more about Max Bupa’s Health Insurance Plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1800 3010 3333 (Toll Free) between 9 am and 6 pm India time (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment. Branch: Please visit our branch in your city. The complete list of branch locations is available in the Contact Us section of the website

  • What are the minimum and maximum policy durations?

    You have the option of buying a health insurance policy for a period of one year or two years. You will be able to get discounts on purchase of a policy for two years. This is applicable for Heartbeat and Health@Companion (Individual and Family Floater) plans on the premium for the second 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.

  • Is there any tax benefit that one can avail of while purchasing Health Insurance?

    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). Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details

  • Is a medical checkup necessary before buying a policy?

    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.

  • What is Annual Insurance Cover?

    The Annual Insurance Cover amount is the maximum amount payable during the year in the event of one 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.

  • My wife and children are residing at Chandigarh while I am here in Delhi. Can I cover all of us in one policy?

    Of course. You can cover your family residing in India under one policy. Your health insurance policy can be used by you all across India. For cashless facility, all 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.

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