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All Day Care Treatments
Your health insurance will cover host of dental, ENT procedures and more
Pre & Post Hospitalisation
We cover expenses 30 days before hospitalisation and 60 days post-discharge.
No Room Rent Cap
Covered for rooms (except suites or above) for SI ₹ 5 lakhs & above
Health check-up
Pick tests based on your needs and avail cashless health check-ups
No Claim Bonus
Get 20% more sum insured at renewal for each claim free year; max up to 100%
Alternative treatment
Get cover for Ayurvedic, Unani, Siddha and Homeopathic treatments
Know what’s covered under Health Companion Plan
Simply search for your queries regarding the Health Companion health insurance plan or check out the features listed below
In-Patient Care (Hospitalisation)
+ -Hospital Accommodation
+ -Get coverage for all hospital accommodations except suite & above room category without any room rent capping under this policy
Pre & Post Hospitalisation Medical Expenses
+ -All Day-Care Treatments Covered
+ -Emergency Ambulance
+ -The policy covers the cost of ambulance upto ₹ 3000/. These expenses are paid once we have accepted the inpatient claim
Domiciliary Hospitalisation
+ -The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or on the doctor's advice
Any Age Enrolment
+ -Get health insurance at any age. Newborn (at least 91 days) can also be added to your plan at the time of renewal.
Organ Transplant
+ -Refill Benefit
+ -In case of exhaustion of the base sum insured, get 100% of your base sum insured as a refill for a different illness
Direct Claim Settlement
+ -Alternative Treatments
+ -Get cover for inpatient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to sum insured
Cashless Facility
+ -Renewal For Life
+ -Tax Benefit
+ -No Claim Bonus
+ -Get 20% more sum insured at renewal for each claim free year; max up to 100%
Health Companion | ||||
Optional Benefits | Health Companion health insurance: Individual / Family Floater (variant 1) | Health Companion health insurance: Individual / Family Floater (variant 2) | Health Companion health insurance: Individual / Family Floater (variant 3) | Health Companion health insurance: Family First |
Hospital Cash | Rs 1000/day | Rs 2000/day | Rs 4000/day | Rs 1000/day or Rs 2000/day |
Permanent Exclusions
+ -Investigation & Evaluation
Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.
Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
Rest Cure, rehabilitation and respite care
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:
Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons.
Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.
Obesity/ Weight Control
- Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions:
- Surgery to be conducted is upon the advice of the Doctor.
- The surgery/Procedure conducted should be supported by clinical protocols.
- The member has to be 18 years of age or older and;
- Body Mass Index (BMI);
- greater than or equal to 40 or
- greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss:
- Obesity-related cardiomyopathy
- Coronary heart disease
- Severe Sleep Apnea
- Uncontrolled Type2 Diabetes
Change-of-Gender treatments
Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.
Cosmetic or plastic Surgery
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.
Hazardous or Adventure sports
Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
Breach of law
Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.
Excluded Providers
Expenses incurred towards treatment in any Hospital or by any Medical Practitioner or any other provider specifically excluded by Us and disclosed in Our website / notified to the Policyholders are not admissible. However, in case of life threatening situations or following an Accident, expenses up to the stage of stabilization are payable but not the complete claim.
The complete list of excluded providers can be referred to on our website.
Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons.
Dietary supplements and substances that can be purchased without prescription, including but not limited to vitamins, minerals and organic substances unless prescribed by a Medical Practitioner as part of Hospitalization claim or Day Care procedure
Refractive Error
Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres.
Unproven Treatments
Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.
Sterility and Infertility
- Expenses related to sterility and infertility. This includes:
- Any type of contraception, sterilization
- Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI
- Gestational Surrogacy
- Reversal of sterilization
Maternity
Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except ectopic pregnancy;
Expenses towards miscarriage (unless due to an Accident) and lawful medical termination of pregnancy during the Policy Period.
Ancillary Hospital Charges
Charges related to a Hospital stay not expressly mentioned as being covered. This will include RMO charges, surcharges and service charges levied by the Hospital.
Circumcision:
Circumcision unless necessary for the treatment of a disease or necessitated by an Accident.
Conflict & Disaster:
Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
External Congenital Anomaly:
Screening, counseling or treatment related to external Congenital Anomaly.
Dental/oral treatment:
Treatment, procedures and preventive, diagnostic, restorative, cosmetic services related to disease, disorder and conditions related to natural teeth and gingiva except if required by an Insured Person while Hospitalized due to an Accident.
Hormone Replacement Therapy:
Treatment for any condition / illness which requires hormone replacement therapy.
Sexually transmitted Infections & diseases (other than HIV / AIDS):
Screening, prevention and treatment for sexually related infection or disease (other than HIV / AIDS).
Sleep disorders:
Treatment for any conditions related to disturbance of normal sleep patterns or behaviors.
Any treatment or medical services received outside the geographical limits of India.
Unrecognized Physician or Hospital:
- Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India or by Central Council of Indian Medicine or by Central council of Homeopathy.
- Treatment provided by anyone with the same residence as an Insured Person or who is a member of the Insured Person’s immediate family or relatives.
- Treatment provided by Hospital or health facility that is not recognized by the relevant authorities in India.
- Artificial life maintenance for the Insured Person who has been declared brain dead or in vegetative state as demonstrated by:
- Deep coma and unresponsiveness to all forms of stimulation; or
- Absent pupillary light reaction; or
- Absent oculovestibular and corneal reflexes; or
- Complete apnea.
AYUSH Treatment
Any form of AYUSH Treatments, except as mentioned in your policy document.
Why choose Health Companion?
Live well with Max Bupa
Check out what the doctors and the experts have to say about your health and health insurance

26 August 2020
Max Bupa
Covid-19 Survivor stories: Dr Rohit Mehta shares his journey of struggle, hope and his takeaway from the experience
Looking back to the days, I feel that the unpredictability of the Coronavirus situation, the uncertainty surrounding the disease, and the isolation period at the hospital was the main contributor to stress and anxiety than the virus itself. And then I realized that it is only the mental strength, persistence and will power which can make you push through each day.

10 September 2020
Max Bupa
Covid-19 Survivor stories: Dr Aarushi Gupta shares her story of battle with the Coronavirus and victory along with her take-way of strength inside out
I chose Max Bupa as my health insurance partner, and I can gladly say that I made the right choice for myself. They ensured a smooth and hassle-free experience at the time of my hospitalisation. Their team was proactive and followed up well.

Assured plan renewal for life
Get No Claim Bonus of 20% of base sum insured*
Get cashless health check-ups
Assured policy renewal with no extra loading
Get 20% more coverage for every claim-free year
Unlock annual health checks after each renewal
It becomes really difficult to decide how much cover is adequate. A cover which we find sufficient today becomes irrelevant tomorrow due to the rising medical inflation. At the same time buying a large insurance cover in the current policy may not be affordable or available.
Our Health Companion Deductible Option acts like a stepney to your health insurance plan. It’s an additional coverage offered to you with a threshold limit. It comes into effect only when your total claim in the same year surpasses the threshold limit.
Get the most value from Health Companion
Get admitted
Visit us at one of our hospitals
Use your health card
Identify yourself with your MaxBupa health card
Get validated
After validation your request will be sent directly to us
We Review
No third party involved!
Claim Settled
In as less as 30 minutes!
Get a quote
Tell us a little about yourself and we’ll get you the right quote.
Compare plans
Not sure if it’s the right plan for your family? Compare it with other similar plans.
Download Resources
Health Companion
Brochure

Download the brochure to understand the Health Companion plan better
Health Companion
Policy Wordings

Find out all you need to know about the plan here
Health Companion
Claim Form

Download the form to make a hassle-free claim
Health Companion
Proposal Form

Download the proposal form here