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We at Max Bupa are very keen to hear about the aspects of your Policy that you believe can be improved. If something does not go well and as expected or promised, here are some simple ways to ensure that your concerns are dealt with as quickly and effectively as possible. Know more
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At Max Bupa, we provide the best services to make claiming as simple and straightforward as it possibly can be. Just follow the simple steps given on the link to claim: Know more
To make a claim against your policy.
Fill and send the claim form with all the original bills at our below mentioned address:
Max Bupa Health Insurance Company Limited,
B-1/I-2, Mohan Cooperative Industrial Estate
Mathura Road, New Delhi-110044
Fax: 1800-3070-3333 Download
To view your claim status, please log on to the customer section. Know more
1860-500-8888 | 011-46096100
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A Brief Guide to Accident Insurance
Accidents are uncertain and could cause severe injury to an
individual. Therefore, it is significant to buy the right type of insurance
policy to protect oneself in contradiction of any such imaginable
unfortunate events. Purchasing accident insurance is,
therefore, an immediate financial decision. Personal accident insurance plan
covers the risks faced by the purchaser due to a serious accident. It offers
coverage for both deaths as well as disability caused as a result of the mishap.
If an individual dies in an accident, the beneficiaries of
the patient will get some amount as death cover. This would provide much
necessary financial provision to the family after the individual's death.
If the person survives an injury because of misfortune, a
lump amount is funded for a medical cure. Even if the person does not face
complete disability, for instance, loses an eye, the individual would get a
share of the sum assured for covering medical expenditures. A disabled person is
also eligible to get a fixed periodic amount, say a once-a-month compensation if
the individual is working in an institute.
While buying a personal accident indemnification, the key
characteristics to be considered are the number of years, amount of cover, and
the benefits to the beneficiaries.
You must look for proceedings leading to calamities. Know
whether the type of accidents you are anticipated to face is enclosed by the
insurance policy. For example, see if the calamities apart from road or rail are
included, such as fire mishaps at home, calamities because of skidding on the
phases of the apartment, etc.
The payable compensation sum is also important. This, in
turn, is grounded on the size of the family, the threat involved, whether your
partner is working, etc. How much is owed on death, disability and minor
disability needs to be examined. For instance, know about the sum compensated
for your family just in case of your death, once-a-month remuneration for
remedial expenses, etc.
Find the portion of the amount offered as the risk
reimbursement. This depends on the calamity resulting in passing away or
disability (partial/temporary). For diverse conditions, fluctuating amount is
You must have a look at exclusions as well as limitations.
These are important as overseeing any of these can make your claim void under
exceptional circumstances. Few of the standard exclusions consist of:
All these events make you forfeiture the benefits. Therefore,
you need to look out for any provision in this regard.
Once you are sure of the particulars of policy, you must
choose an insurance establishment having proven repute along with experience in
accident insurance plans, settling dues, facing fiscal, legal challenges, if
any. You need to consider the following:
Do consider the standing of the company in the marketplace
and how long they have been there in the business. As a thumb rule, business is
supposed to be around for not less than five years, in any case. Repute is built
over a period of time by offering appropriate help to its customers.
Insurance is for the long-term as well as the company must be
strong enough to encounter the demands of claims fitted out by its clienteles. A
benchmark is that the business should be capable of coming across a minimum of
75% in claims cases.
The premium charged should be sensible and comparable with
other indemnity companies. Premiums might vary across the markets because of the
paybacks offered, a timeframe of the benefits, etc.
Once you decide to purchase the insurance, you can get in
touch with the insurance company directly in person or over the internet. You
can estimate for their premium by giving out the needed details/specifications.
One more way of purchasing insurance is to go with a
brokerage firm. This is without a doubt, the best choice. This is so for the
reason that, brokerage firms are skilled and knowledgeable enough to give you
the best deal with regards to the amount of cover, duration of the cover,
premium disbursement, claim clearance, document authentication that is involved
in the entire process.
Accident insurance can even be taken out to safeguard those
who partake in extreme sporting events. Anything from horse riding to
methodological scuba diving and white water rafting could make a persona risky
proposition for an assurance company, so do make sure if your accident insurance
policy is covering the cost of transportation, hospital stay, rehabilitation and
other cures following a mishap. These kinds of plans are every so often slightly
more expensive than a personal accident insurance plan, but as sports of this
nature can cause austere injuries, it is entirely comprehensible.
In the end, do consider all these points at the time of
buying personal accident insurance. Without a doubt, there are loads of options
available with regards to insurance providers, but only a few are worth taking
into consideration to an excellent insurance coverage. Max Bupa, is one such
company that has gained a substantial amount of popularity because of the kind
of benefits they are offering that too at reasonable price. So, what are you
waiting for? Do your bit of research and shortlist a few options that you think
will fulfill all your requirements within a specified budget.