Health Recharge - Family Health Insurance Plan in India | Max Bupa
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e-Consultation

Avail unlimited tele consultations

Pharmacy & diagnostic services

Get discounts through our empanelled service provider

Loyalty Benefits

Get loyalty addition of 5% on sum insured per year; maximum up to 50%

Emergency Ambulance

Up to Rs. 1,500 per hospitalization

Alternative treatment

Get cover for Ayurvedic, Unani, Siddha and Homeopathic treatments

Renewal for life

Once insured with us, you will always remain our customer

Know what’s covered under Health Recharge Insurance Plan

Simply search for your queries regarding the Health Recharge Health Insurance plan or check out all the features listed below

Hospitalisation
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IN-PATIENT CARE (HOSPITALISATION)

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Get coverage for hospitalisation expenses for all insured members

HOSPITAL ACCOMMODATION

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Get coverage for all hospital accommodations up to a single private room without any room rent capping under this policy for sum insured 5lakhs & above

PRE & POST HOSPITALISATION MEDICAL EXPENSES

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The policy will cover pre and post hospitalisation expenses as well. The period of the treatment covered is 60 days before you get admitted to the hospital and 90  days after you get discharged from the hospital

EMERGENCY AMBULANCE

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The policy covers the cost of ambulance . These expenses are paid once we have accepted the inpatient claim

DOMICILIARY HOSPITALISATION

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The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor’s advice 

DAY-CARE TREATMENT COVERED

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Your health insurance will cover a host of dental, ENT and other procedures

ORGAN TRANSPLANT

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Medical expenses for an organ donor’s inpatient treatment for the harvesting of the organ donated is also covered
Standout Features
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FREE LOOK PERIOD

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You have up to 15 days after purchasing the insurance to cancel the plan with refund

ALTERNATIVE TREATMENTS

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Get cover for in-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to sum insured 

TAX BENEFIT

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Save taxes under section 80D of the income tax act when buying your health insurance policy

DIRECT CLAIM SETTLEMENT

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There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly

CASHLESS FACILITY

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Avail services at our network hospitals on a cashless basis

RENEWAL FOR LIFE

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The policy assures you renewability for life with no extra loadings based on your claim history
Add on Features
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OPTIONAL BENEFITS  
PERSONAL ACCIDENT COVER Secure your family’s finances against personal accidents 
CRITICAL ILLNESS COVER Get coverage against illnesses like cancer, kidney failure etc. depending on the base sum insured
ANNUAL AGGREGATE DEDUCTIBLE Various Annual Aggregate Deductible options ranging from ₹ 10,000 to ₹ 10 lakh are available in the product
Exclusions
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PERMANENT EXCLUSIONS

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  • Ancillary hospital charges
  • Hazardous activities
  • Artificial life maintenance
  • Behavioral, Neurodevelopmental and Neurodegenerative Disorders
  • Circumcision
  • Conflict & disaster
  • External congenital anomaly
  • Convalescence & rehabilitation
  • Cosmetic and reconstructive surgery
  • Dental/oral treatment
  • Eyesight & optical services
  • Experimental or unproven treatment
  • Hospitalisation not justified
  • Inconsistent, irrelevant or incidental diagnostic procedures
  • Non-medical expenses
  • Obesity and weight control programs
  • Off- label drug or treatment
  • Puberty and menopause related disorders
  • Reproductive medicine & other maternity expenses
  • Robotic assisted surgery, light amplification by stimulated emission of radiation (LASER) & light based treatment
  • Sexually transmitted infections & diseases
  • Sleep disorders
  • Substance related and addictive disorders
  • Unlawful activity
  • Treatment received outside India
  • Unrecognized physician or hospital
  • Generally, excluded expenses - Any costs or expenses specified in the list of expenses generally excluded.

PERMANENT EXCLUSION FOR PERSONAL ACCIDENT COVER (OPTIONAL)

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We shall not be liable to make any payment under any benefits under the Personal Accident Cover if the claim is attributable to, or based on, or arise out of, or are directly or indirectly connected to any of the following:    

  • Suicide or self-inflicted injury, whether the insured person is medically sane or insane.    
  • 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.
  • Service in the armed forces, or any police organisation, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.
  • Any change of profession after inception of the policy which results in the enhancement of our risk, if not accepted and endorsed by us on the policy schedule.
  • Committing an assault, a criminal offence or any breach of law with criminal intent.
  • Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.
  • Participation in aviation/marine including crew other than as a passenger in an aircraft/watercraft that is authorised by the relevant regulations to carry such passengers between established airports or ports.
  • Engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow, ice sports, hunting
  • Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However, this exclusion is not applicable to claims made under the Permanent Partial Disability benefit.

PERMANENT EXCLUSION FOR CRITICAL ILLNESS COVER (OPTIONAL)

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We shall not be liable to make any payment under Critical Illness Cover directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following unless specifically mentioned elsewhere in the policy.    

  • Behavioral, Neurodevelopment and Neurodegenerative Disorders
  • AYUSH Treatment
  • Conflict & disaster
  • External congenital anomaly
  • Cosmetic and reconstructive surgery
  • Experimental/ Investigational or Unproven Treatment    
  • Hazardous Activities
  • HIV, AIDS, and related complex
  • Mental and psychiatric conditions
  • Reproductive medicine & other maternity expenses
  • Sexually transmitted infections & diseases
  • Substance related and addictive disorders
  • Traffic offences & unlawful activity
  • Unrecognised physician or hospital    

WAITING PERIOD

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  • Pre-existing disease waiting period of 36 months since inception of the policy and continuous renewal

  • Initial waiting period of 30 days unless the treatment needed is the result of an accident.

  • Specific waiting period of 24 months for some listed illnesses, unless the condition is directly caused by cancer (covered after initial waiting period of 30 days) or an accident (covered from day 1)

  • Please note that Waiting Periods shall not apply to e-consultation, Personal Accident Cover and Critical Illness Cover.

  • Please do read more about the common exclusions in the policy terms & conditions.

Why choose Health Recharge?

Doctors Speak
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Live well with Max Bupa

Check out what the doctors and the  experts have to say about your health and health insurance

Calculate Medical Expenses
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Painless renewals
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Assured plan renewal for life

Get additional sum insured on each renewal

Get cashless health check annually

Get 20% more coverage for every claim-free year

Get loyalty addition of 5% on sum insured per year; maximum up to 50%

Hassle-free 5 minutes renewal process

Seamless renewal options

Frequently Asked Questions
WHAT IS TOP-UP WITH AN ANNUAL AGGREGATE DEDUCTIBLE?
WHEN DOES IT MAKE SENSE TO OPT FOR A TOP-UP?
HOW CAN I BUY THIS POLICY?
HOW DOES THE PLAN WORK?
IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL WHILE PURCHASING HEALTH INSURANCE?
IS A MEDICAL CHECK-UP NECESSARY BEFORE BUYING A POLICY?
WHAT IS TOP-UP WITH AN ANNUAL AGGREGATE DEDUCTIBLE? - +

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 Max Bupa Health Recharge’s deductible 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 Recharge

The Max Bupa Promise
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The Max Bupa Promise

30 Minute cashless claims processing

Spend less time on paperwork and more with your family

Health network beyond hospitals

A cashless network of 4500+ hospitals & 2000+ doctors

No third-party agents! Direct claim settlement

No TPA involvement in processing your claim

Your everyday health partner
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your everyday health partner

Max Bupa Health App

Track your health, manage your policy & renewals

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Tele-consultation to resolve your health queries

A quick & painless way to consult a doctor

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Document locker

Store & access all your medical records with a few taps

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Hassle-free claims
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