Health Companion - Individual Health Insurance Plan
An affordable health insurance plan that makes securing your health painless
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Discounted Premium
What you get
What you get
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All Day Care Treatments
Your health insurance will cover host of day care procedures.
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
Sorry, is not a part of
Although, is available in below product.
Available as an optional add-on
Hospitalisation
In-Patient Care (Hospitalisation)
+ -Get cashless coverage for hospitalisation expenses for all insured members at network hospitals
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
+ -Your health insurance will cover host of day care procedures.
Emergency Ambulance
+ -The policy covers the cost of ambulance upto ₹ 3000/. These expenses are paid once we have accepted the inpatient claim
Domiciliary Hospitalisation
+ -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
+ -Standout Features
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
+ -There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly
Alternative Treatments
+ -Get cover for inpatient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to sum insured
Cashless Facility
+ -Renewal For Life
+ -The policy assures you renewability for life with no extra loadings based on your claim history
Tax Benefit
+ -No Claim Bonus
+ -Get 20% more sum insured at renewal for each claim free year; max up to 100%
Add-on Features
| 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 |
Exclusions
Permanent Exclusions
+ -- Ancillary hospital charges
- Hazardous activities
- Artificial life maintenance
- Behavioral, Neurodevelopmental and Neurodegenerative Disorders
- Circumcision
- AYUSH treatments, except inpatient treatments taken under Ayurveda, Unani, Sidha and Homeopathy
- Conflict & disaster
- External congenital anomaly
- Convalescence & rehabilitation
- Cosmetic and reconstructive surgery
- Dental/oral treatment
- Eyesight & optical services
- Experimental 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
- 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 at Annexure-II of the Policy Document.
Why choose Health Companion?
Doctors Speak
Live well with Max Bupa
Check out what the doctors and the experts have to say about your health and health insurance
04 September 2020
Max Bupa
Covid-19 Survivor stories: Mr Rajesh Sawant recalls a tumultuous time fighting the dreaded Coronavirus and how he finally won his battle against it
"All I want to convey is that don’t panic if you notice symptoms; take help of the medical staff. And most importantly, invest in your and your family’s well-being. I strongly recommend Max Bupa as a perfect health partner for their seamless and quick service."
03 February 2020
Max Bupa Health Insurance
Picking the right health insurance for you
Check out our blog to find out what the doctors and experts have to say on health insurance and healthy living.
Calculate Medical Expenses
Painless renewals
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
WHAT IS TOP UP WITH ANNUAL AGGREGATE DEDUCTIBLE OPTION IN HEALTH COMPANION?
WHY IS A TOP-UP IMPORTANT?
WHEN DOES IT MAKE SENSE TO OPT FOR TOP-UP?
HOW DOES THE PLAN WORK?
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?
IS COVID-19 COVERED UNDER HEALTH COMPANION INDIVIDUAL PLAN?
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
The Max Bupa Promise
Your everyday health partner
Hassle-free claims
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
