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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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How Do I Protect My Family From Various Health Risks?
Is there a policy that can protect my family against various health risks? – A Journalist
My business is seasonal and I don’t have stable earnings? What should I do to protect
my family when medical costs are steadily rising? - A Shopkeeper
Family health insurance is an appropriate answer to the questions above and
similar other questions like them. Most of us are familiar with individual insurance
which is good enough for protecting oneself against health risks, but they are inappropriate
once you have to take care of family health. A family health policy is meant to
cover the entire family (you & spouse and your children), but there are some health
insurance companies, that allow you to include parents in the existing health insurance
policy. Besides, some plans even allow you to include in-laws, but you may have
to post extra premium as well. Now let’s take a look at various types of family
By the kind of health coverage, a family health insurance can be of following
Medical Insurance Plan: A medical insurance plan is meant to reimburse the
hospitalization cost to the extent of the healthcare treatment. The insurance company
bears the cost of treatment in the form of cashless treatment or reimbursement.
Illness Riders: While there is insurance for the critical illness against
the chronic diseases like heart-attack, strokes and so on, but the policy can’t
be purchased only in the form of riders.
There are many important points that you must consider even before you buy family
health insurance plan. Here we’ll see some of the most important ones:
Family Coverage When you are planning to buy family health insurance, it
is important to pay attention to the health coverage under the policy. Most of the
health insurance plans offer daycare expenses, in-hospitalization expenses, and
the ambulance charges. A key advantage of the family health insurance is that if
you are planning to add a new member to the family (e.g., a baby), you can add it
as a beneficiary to the existing family floater health plans.
Maximum Age Of Renewal Will you not need the insurance coverage when you
are old? In fact, as the earning members of the family grow old, they need more
and more security to cover the health risk of the family. While most of the insurance
companies offer the policy renewal till 60-65 years of age, but there are insurance
companies that offer life-long renewal facility. It is always better to choose health
insurance plan that protects you and your family when you need it the most.
Enhancement In Sum Assured The costs of treatment are never same, in-fact
with time they keep on rising. Almost every insurer provider offers the facility
to increase the sum assured in the year to come. If you pay the premium regularly
and there are years of no claim, the insurance provider will enhance the amount
of the sum insured as b no claim bonus. It means more cover for your family.
Easy Hospitalization When there is any medical emergency in your family,
you’ll want hospitalization in the nearest hospitals. So it is crucial to know which
all hospitals are on the approved list of hospitals of the family health insurance
(e.g. Max Bupa) provider. In the same way,
the cashless hospitalization facility is also very important. It makes the hospitalization
process seamless and free from any hassles. While having neighborhood hospitals
empaneled in the list of the network hospitals is important, it is also very important
to have some good quality hospitals in the same list. For those who have covered
aging parents in the family health plan, the list becomes even more crucial when
you move from one city to the other.
Hassle-Free Claim SettlementIt is critical to look into the claim settlement
ratio of the insurance provider. Those companies that have higher claim settlement
ratio are better as they have been settling the claims rather easily. It is also
an indicator of the quality of service.
PremiumsIt is the money that has to be paid to the insurer to provide the
cover. A lower premium doesn’t necessarily mean good policy and a too high premium
may also become a challenge. So you need to see the amount of sum assured you want
to cover the entire family and that will decide the premium accordingly.
Policy ExclusionsEven before you finalize a family health insurance plan,
just go through the policy document in detail. Just see what the waiting period
is, policy exclusions, and preexisting diseases coverage. They may affect the treatment
of any pre-existing condition in any of the family member. Also, the insurer may
not cover some diseases, which means you can’t get a claim for them.
There are some policies which expire automatically when the oldest member of
the family reaches the maximum age to avail the coverage, so you need to seek clarification
on the same from the insurer. A family floater plan health plan cover the children
up-to a certain age, which means once your children reach that age, they may come
out of insurance coverage.
An individual health plan is meant to cover the insured person only, while a family
insurance plan is meant to cover the entire family. So you can add your spouse and
children and extend the benefit even to the parent and in-laws. Thus, one plan is
capable of covering the entire family, and you don’t have to buy insurance plans
for each member of the family where you may end up paying up many premiums. Other
advantages may be attractive discounts on the purchase of family health
insurance plans. Besides, you can also avail tax benefits on the premiums paid by you under
the Section-80 D of the Income Tax Act. In a family health
insurance, you can get a tax benefit of INR 55,000 as tax benefit (INR 25,000 for oneself + INR 30,000
for the senior citizens).
So if you want to protect your family against the various health risks, family health
insurance is the way forward. Don’t wait buy one now.