Best Health Insurance Plan by Max Bupa – (No 2 Year waiting period )

Max Bupa HeartBeat Plan

Max Bupa Heartbeat Individual

Policy Features

  • Platinum – Rs 15 Lacs, Rs 20 Lacs, 50 Lacs, & Rs.1 Crore,
  • Gold – Rs 5 Lacs, Rs 7.5 Lacs Rs 10 Lacs, Rs 15 Lacs, Rs 20 Lacs & Rs 50 Lacs;
  • Any Age enrollment

    We cover every member of your family, irrespective of their age. i.e. from a new born child to senior citizens. There is no minimum or maximum age for enrolments.

  • Hospital Accommodation coverGold – Single Private room, Platinum – Upto Sum Insured
  • In-patient Care (Hospitalisation)

    We cover cost of medical treatment while you or your insured family members are hospitalized for treatment.

  • Pre & Post Hospitalization Medical Expenses

    We shall reimburse medical expenses incurred due to illness. The period of treatment which we will cover would be 60 days before you get admitted to a hospital and 90 days after you get discharged from the Hospital. This is subject to Max Bupa accepting an In-patient Care hospitalisation claim.

  • All Day Care Treatment Covered

    We cover all day care treatment, not a select few. However, such a procedure should not be in the outpatient department of a hospital.

  • Maternity Benefits

    The plan provides you maternity benefits for up to two deliveries. This benefit is available after both you and your spouse have been covered under the policy for two continuous years

  • Newborn Baby

    The new born baby will be covered as an insured person from birth without additional premium, till the next renewal, if the delivery of the baby is covered under the policy. We also cover vaccination expenses of the new born baby for the first year if you add the baby in the policy for the next policy year.

  • Childcare benefits

    We cover specified vaccination expenses for insured children until they have completed 12 years. We also cover consultation for nutrition and growth provided to the child during a visit for vaccination

  • 2 year Policy Tenure Option

    You can opt for 2 year policy tenure & avail discount.

  • Health Relationship Program

    You are eligible for our Health Relationship Program if the Policy is renewed with us without any break. Under this program you may opt for any one of the following options

    a. Increase in your Sum Insured – You will get 10% additional Sum Insured each policy year of expiring base Sum Insured. Such additional sum insured can be accumulated upto 50% of current base sum insured.

    b. Earn and Redeem – You can earn points worth 10% of your last paid annual premium after you renew your policy and these points can be redeemed on our website for various health and lifestyle products and services.

    If the Policy Period is two years, you can earn points worth 5% of the last premium received on the commencement of each Policy Year commencing from the second Policy Year. Please note that if you select option ‘a’, you cannot go back to option ‘b’ in the next/subsequent years.

  • Emergency Medical Evacuation and Hospitalization (Only for Platinum Plan)

    In case of a medical emergency outside India we will provide assistance in medical evacuation of the Insured Person and cover the reasonable and customary costs of transportation of the Insured Person (and an attending Doctor if this is medically necessary)

  • International Treatment support for Specified Illnesses (Only for Platinum Plan)

    In case of a medical emergency outside India we will provide assistance in medical evacuation of the Insured Person and cover the reasonable and customary costs of transportation of the Insured Person (and an attending Doctor if this is medically necessary)

  • Free Annual Health Check-Up

    Cost of health check-up arranged for you with our empanelled service providers.

  • Tax Benefit

    You can save tax under Section 80D of the Income Tax Act, 1961 when you buy a Max Bupa Health Insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

  • Direct Claim Settlement

    We believe you should focus on the treatment of your loved ones rather than running after claim

  • Assured Policy Renewal for Life

    Once insured with us, you will always remain our customers. We assure you renewability for life with no extra loadings based on your claim history.

  • Organ Transplant

    Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered.

  • Cashless Facility

    You can access cashless facility at your nearest hospital.

  • Domiciliary Treatment

    In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; we pay for medical treatment taken at home, which would otherwise have required hospitalization

  • Emergency Ambulance

    We also cover the ambulance expenses to transfer the policyholder following an emergency to the nearest hospital. These expenses are paid once we have accepted an In-patient claim

  • Free Look Period

    We endeavour for transparency and complete satisfaction and therefore, our policies are simple and easy to understand. Yet if you are still not satisfied, we provide a 15 day free look period within which you can cancel your plan by simply stating the reason.

  • Consultation and diagnostic tests (Only for Platinum Plan)

    We shall cover reasonable and customary expenses towards consultation as an outpatient with a doctor to assess the Insured Person’s condition.

  • • UAN no.: MB/BR/2014-2015/303 Exclusion Permanent Exclusions (Heartbeat Individual)

    • 1. Addictive conditions and disorders

    • 2. Ageing and puberty

    • 3. Artificial life maintenance

    • 4. Circumcision

    • 5. Conflict and disaster

    • 6. Congenital conditions

    • 7. Convalescence and Rehabilitation

    • 8. Cosmetic surgery

    • 9. Dental/oral treatment

    • 10.Drugs and dressings for OPD Treatment or take-home use

    • 11.Eyesight

    • 12.Unproven/Experimental treatment

    • 13.Health hydros, nature cure, wellness clinics etc.

    • 14.HIV and AIDS

    • 15.Hereditary conditions (Specified)

    • 16.Items of personal comfort and convenience, including but not limited to

    • 17.Alternative Treatment (except for Consultation and Diagnostic Tests (For Platinum Policyholders only))

    • 18.Psychiatric and Psychosomatic Conditions

    • 19.Obesity

    • 20.OPD Treatment

    • 21.Reproductive medicine – Birth control & Assisted reproduction

    • 22.Self-inflicted injuries

    • 23.Sexual problems and gender issues

    • 24.Sexually transmitted diseases

    • 25.Sleep disorders

    • 26. Speech disorders

    • 27.Treatment for developmental problems

    • 28.Treatment received outside India (except for treatment undertaken under “Emergency Medical Evacuation and Hospitalization (for Platinum Policyholders only)” or “Specified Illness Cover for treatment abroad (For Platinum Policyholders only)” of the Policy Document)

    • 29.Unrecognised physician or Hospital

    • 30.Unlawful Activity

    • 31.Genetic disorders

    • 32.Any costs or expenses specified in the List of Expenses Generally Excluded at Annexure III of policy wording

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