Family First

Yes, family always comes first. And keeping this in mind, we’ve designed a one-of-its-kind health insurance plan which caters to the needs of the Indian Joint Family allowing coverage for every family member.


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  • Hospital Accommodation - Shared Room

    Hospital Accommodation cover for Shared Room

  • In-patient Care (Hospitalisation)

    We cover cost of medical treatment while you or your insured family members are hospitalized for treatment.

  • Pre & Post Hospitalization Medical Expenses

    We reimburse medical expenses incurred due to Illness up to 30 days period immediately before you get admitted to a hospital and 60 days immediately after you get discharged from a Hospital.

  • Maternity Benefits

    The plan provides you maternity benefits for up to two deliveries. This benefit is available after you have paid three continuous premiums and only if a minimum of three adult members(including atleast one male person) are included in the same policy

  • Newborn Baby

    The new born baby will be covered as an insured person from birth without additional premium, till the next renewal, if the delivery of the baby is covered under the policy. We also cover vaccination expenses of the new born baby for the first year if you add the baby in the policy for the next policy year.

  • 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.

  • 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 are eligible for health services and products with a market value of up-to 10% of your last paid premium.

  • Free Health Check-Up once every 2 years

    Cost of health check-up arranged for you with our empanelled service providers.

  • Any Age enrollment

    We cover every member of your family across every stage of life.

  • Tax Benefit

    You will 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 believe you should focus on the treatment of your loved ones rather than running after claim settlement. Therefore, all claims are processed directly by our own customer services team.

  • Assured Policy Renewal for Life

    Once insured with us, you will always remain our customers. We assure you renewability for life with no extra loadings based on your claim history.

  • Organ Transplant

    Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered.

  • Cashless Facility

    You can access cashless facility at your nearest hospital.

  • Domiciliary Treatment

    In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; we pay for medical treatment taken at home, which would otherwise have required hospitalization.

  • Emergency Ambulance

    We also cover the ambulance expenses to transfer the policyholder following an emergency to the nearest hospital. These expenses are paid once we have accepted an In-patient claim.

  • Free Look Period

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

  • UAN no. :MB/BR/2012-2013/153

  • Hospital Accommodation - Single Private Room

  • In-patient Care (Hospitalisation)

    We cover cost of medical treatment while you or your insured family members are hospitalized for treatment.

  • Pre & Post Hospitalization Medical Expenses

    We reimburse medical expenses incurred due to Illness up to 30 days period immediately before you get admitted to a hospital and 60 days immediately after you get discharged from a Hospital.

  • 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

    The plan provides you maternity benefits for up to two deliveries. This benefit is available after you have paid three continuous premiums and only if a minimum of three adult members(including atleast one male person) are included in the same policy

  • Newborn Baby

    The new born baby will be covered as an insured person from birth without additional premium, till the next renewal, if the delivery of the baby is covered under the policy. We also cover vaccination expenses of the new born baby for the first year if you add the baby in the policy for the next policy year.

  • Any Age enrollment

    We cover every member of your family across every stage of life.

  • 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 are eligible for health services and products with a market value of up-to 10% of your last paid premium.

  • Free Annual Health Check-Up

    Cost of health check-up arranged for you with our empanelled service providers.

  • Tax Benefit

    You will 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 believe you should focus on the treatment of your loved ones rather than running after claim settlement. Therefore, all claims are processed directly by our own customer services team.

  • Assured Policy Renewal for Life

    Once insured with us, you will always remain our customers. We assure you renewability for life with no extra loadings based on your claim history.

  • Organ Transplant

    Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered.

  • Cashless Facility

    You can access cashless facility at your nearest hospital.

  • Domiciliary Treatment

    In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; we pay for medical treatment taken at home, which would otherwise have required hospitalization.

  • Emergency Ambulance

    We also cover the ambulance expenses to transfer the policyholder following an emergency to the nearest hospital. These expenses are paid once we have accepted an In-patient claim.

  • Free Look Period

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

  • UAN no. :MB/BR/2012-2013/153

  • • Default policy term for all plans is one year.

  • • We will only pay 80% of any amount we assess for payment or reimbursement if the claim has been made by an insured person above the age of 65 years.

  • • 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 48 months 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

    • • Addictive conditions and disorders
    • • Ageing and puberty
    • • Artificial life maintenance
    • • Circumcision
    • • Dental/oral treatment
    • • Conflict and disaster
    • • Congenital conditions
    • • Convalescence and Rehabilitation
    • • Cosmetic surgery
    • • Drugs and dressings for Out-patient or take-home use
    • • Eyesight
    • • Unproven/Experimental treatment
    • • Health hydros, nature cure, wellness clinics etc.
    • • HIV and AIDS
    • • Obesity
    • • Hereditary conditions
    • • Genetic Disorder
    • • Items of personal comfort and convenience
    • • Alternative Treatment
    • • Psychiatric and Psychosomatic Conditions
    • • OPD Treatment
    • • Reproductive medicine - Birth control & Assisted reproduction
    • • Self-inflicted injuries
    • • Sexual problems and gender issues
    • • Sexually transmitted diseases
    • • Unrecognized physician or Hospital
    • • Sleep disorders
    • • Speech disorders
    • •Treatment for developmental problems
    • •Treatment received outside India
    • • Unlawful Activity

  • Select and approach insurance / corporate / TPA helpdesk of our network hospital [recommended at least 72 hours before treatment]*

  • For identification purposes, use Passport, Voters' Card, PAN Card or Driver's Licence along with your Max Bupa Health Card or Policy Number.

  • Network hospital will check your identity for validation and submit a pre-authorization form to us.

  • We provide our decision to the hospital within 4 hours, when no further document is required.

  • We may assign a relationship manager to make the hospitalization simple for you.

  • Get admitted for treatment and sign all documents, forms and invoices on discharge.

  • 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 (Individual and Family Floater) 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). These benefits are as per prevalent applicable tax laws. We advise you to consult your tax advisor for further details or clarifications.

  • 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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