Heart Beat Family Insurance Plan
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MY POLICY

No Room Rent Cap

In case of hospitalization, room rent is covered up to sum insured.*

Day Care Treatments

Your health insurance will cover host of dental, ENT procedures & more

International Coverage

Insure your health even when you travel abroad under platinum plan

OPD Consultations

Stay worry-free as we cover OPD treatments under platinum plan

Maternity & New-born coverage

No additional premium for covering a new born baby from day 1

Loyalty Bonus

Irrespective of claim history, get 10% more sum insured annually

Know what’s covered under Heartbeat Health Insurance Plan

Search for diseases covered in the HeartBeat health insurance plan or check out all the policy features

Hospitalisation
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IN-PATIENT CARE (HOSPITALISATION)

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Get cashless coverage for hospitalisation expenses for all insured members at network hospitals

PRE & POST HOSPITALISATION MEDICAL EXPENSES

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The policy covers expenses 60 days before hospitalisation and 90 days post discharge

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

ORGAN TRANSPLANT

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Medical expenses for an organ donor’s inpatient treatment for the harvesting of the organ is also covered

OPD TREATMENT AND DIAGNOSTIC TESTS

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Get reimbursements for expenses towards medically necessary treatments as an outpatient with a doctor under platinum plan

EMERGENCY AMBULANCE

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

DAY-CARE TREATMENT COVERED

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

ALTERNATIVE TREATMENTS

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We will indemnify the medical expenses incurred on the insured person’s hospitalization for Inpatient Care on treatment taken under Ayurveda, Unani, Siddha and Homeopathy.

Standout Features
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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

RENEWAL FOR LIFE

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Get assured renewal of the policy for life with no extra loadings based on your claim history

INTERNATIONAL COVERAGE

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Covers specified illnesses and emergency hospitalisation and emergency medical evacuation outside India

LOYALTY BENEFIT

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Irrespective of your claim history, you will get an increase of 10% of expiring base Sum Insured every year, subject to maximum of 100% of base Sum Insured

MATERNITY & NEWBORN COVERAGE

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Avail maternity benefits and no additional premium for covering a new born baby from day 1 till policy year end

ENTRY AGE AND FAMILY COVERAGE

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The entry age for adults under this policy can be from 18 to 65 years. The entry age for dependent children is from 91 days to 21 years in a family floater policy. The policy can be taken individually or for the family. The family floater policy is available for husband, wife and a maximum of 4 children.

HEALTH CHECK-UP

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You can avail health checkup for Diagnostic Tests purposes post completion of 1st policy year, for any insured person (including children). You can undergo a health checkup through our service provider on cashless basis. You can choose tests of your choice up to a sub-limit as per the plan chosen.

SECOND MEDICAL OPINION

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Second Medical opinion for listed specified illnesses or a planned surgery or procedure can be obtained under Platinum plan. There is one opinion available per insured person per specified illness/ planned surgery.

REFILL BENEFIT

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In case of exhaustion of the base sum insured, get 100% of your base sum insured as a refill for both different and same illness

Add on Features
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Optional Benefits:

Heartbeat individual and family floater health insurance – Gold plan


Heartbeat individual and family floater
health insurance– Platinum plan
 
     

Hospital Cash

Rs 3000/day

Rs 6000/day

E-Consultation

Available

Available

Personal Accident Cover

Available

Available

Critical Illness Cover

Available

Available

Premium Waiver

 

If an insured policy holder passes away or is diagnosed with a specified illness during the policy period, then the premium for next year will be waived

Enhanced Geographical Scope for International coverage    Extend your hospitalisation & emergency medical evacuation cover in US & Canada.
Exclusions
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Pre-existing conditions

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Pre-existing conditions are subject to a waiting period of 24 months of continuous coverage from first policy start date for customers with Gold & Platinum plan and 48 months of continuous coverage from first policy start date for customers with Silver plan.

PERMANENT EXCLUSIONS

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  • Ancillary Hospital Charges
  • Hazardous Activities
  • Artificial life maintenance
  • Autoimmune Disorders
  • Behavioral, Neurodevelopmental and Neurodegenerative Disorders
  • Circumcision
  • Complementary & Alternative Medicine
  • Conflict & Disaster
  • Congenital Anomaly, Hereditary or Genetic Disorders
  • Convalescence & Rehabilitation
  • Cosmetic and Reconstructive Surgery
  • Dental/oral treatment
  • Eyesight & Optical Services
  • Experimental/Investigational or Unproven Treatment
  • HIV, AIDS, and related complex
  • Hospitalization not justified
  • Inconsistent, Irrelevant or Incidental Diagnostic procedures
  • Mental and Psychiatric Conditions
  • Non-Medical Expenses
  • Obesity and Weight Control Programs
  • Off- label drug or treatment
  • Puberty and Menopause Related Disorders
  • Reproductive medicine & other Maternity Expenses: Any assessment or treatment method
  • 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
  • Traffic Offences & Unlawful Activity
  • Treatment received outside India
  • Unrecognized Physician or Hospital
  • Any costs or expenses specified in the list of expenses generally excluded at Annexure-IV of the policy wording

WAITING PERIODS

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  • Pre-existing disease waiting period of 48 months (silver plan) / 24 months (gold and platinum plans) since inception of the policy and continuous renewal. For Critical Illness cover, pre-existing disease waiting period would be 48 months along with a Survival Period exclusion of 30 days for all conditions.
  • Initial waiting period of 30 days unless the treatment needed is the result of an Accident. For Critical Illness cover, initial waiting period would be 90 days.
  • Specific waiting period of 24 months for persons above 45 years of age, since the inception of the first policy with us, 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).
  • For mental disorder treatment cover, there will be a waiting period of 36 months since inception of the Policy and subject to continuous renewal.
  • For HIV / AIDS cover, there will be a waiting period of 48 months since inception of the Policy and subject to continuous renewal.

Please do read more about the common exclusions in the policy

Why choose Heartbeat?

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 10% added sum insured on each renewal*

Get cashless health check-ups

Carry forward 80% unutilized amount for diagnostic tests

You will get 10% of expiring base sum insured each policy year

Hassle-free 5 minutes renewal process

Seamless renewal options

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Frequently Asked Questions
HOW CAN I BUY THIS POLICY?
WHAT ARE THE MINIMUM AND MAXIMUM POLICY DURATIONS?
IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL OF WHILE PURCHASING HEALTH INSURANCE?
IS A MEDICAL CHECK-UP NECESSARY BEFORE BUYING A POLICY?
WHAT IS ANNUAL INSURANCE COVER?
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.

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 1860 500 8888 (Toll Free) between 9 am and 6 pm IST (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

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

Cashless OPD & Paperless reimbursements

No paper, no hassle. Get online reimbursements

Your everyday health partner
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your everyday health partner

Max Bupa Health App

Track your health, manage your policy & renewals

Consult Now >

Document locker

Store & access all your medical records with a few taps

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Book Cashless OPD Online!

Doctor’s appointment through our cashless health network

Know More >
Hassle-free claims
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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

In-house claims review

No third party involved!

Claim Processing

In as less as 30 minutes!

Get a quote

Tell us a little about yourself and we’ll get you the right quote.

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