Max Bupa Health Recharge – Super Topup Plan

Max Bupa Health Recharge is a pocket-friendly health insurance plan that is designed keeping you and your family (your spouse and up to 4 children) in mind. You can also opt for Personal Accident and Critical Illness cover along with the base product.

With Max Bupa Health Recharge You have to mandatorily choose an annual aggregate claim deductible amount. Our liability to make payment under the policy in respect of any claim made for that policy year will only commence once the deductible has been exhausted

The default policy term for all plans is one year. Two-year and three-year policy term options are also available under the product. The level of discount is as below:

 

  • 2 year term: 12.5% on the premium for second policy year
  • 3 year term: 15% on the premium for third policy year + 12.5% on the premium for second policy year

Waiting Periods

Pre-existing disease waiting period of 36 months since inception of the policy and continuous renewal

Initial waiting period of 30 days unless the treatment needed is the result of an accident.

Specific waiting period of 24 months 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)

Please note that Waiting Periods shall not apply to e-consultation, Personal Accident Cover and Critical Illness Cover.

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
    • Hospitalisation 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.

 

Permanent Exclusion for Personal Accident Cover (if opted)

We shall not be liable to make any payment under any benefits under the Personal Accident Cover if the claim is attributable to, or based on, or arise out of, or are directly or indirectly connected to any of the following:

a. Suicide or self-inflicted injury, whether the insured person is medically sane or insane.

b. Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.

 

    • c. Service in the armed forces, or any police organisation, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.

 

    • d. Any change of profession after inception of the policy which results in the enhancement of our risk, if not accepted and endorsed by us on the policy schedule.

 

    • e. Committing an assault, a criminal offence or any breach of law with criminal intent.

 

    • f. Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.

 

    • g. Participation in aviation/marine including crew other than as a passenger in an aircraft/water craft that is authorised by the relevant regulations to carry such passengers between established airports or ports.

 

    • h. Engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow, ice sports, hunting

 

  • i. Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However, this exclusion is not applicable to claims made under the Permanent Partial Disability benefit.

 

Permanent Exclusion for Critical Illness Cover (if opted)

 

We shall not be liable to make any payment under Critical Illness Cover directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following unless specifically mentioned elsewhere in the policy.

 

  • Behavioral, Neurodevelopment and Neurodegenerative Disorders
  • AYUSH Treatment
  • Conflict & disaster
  • External congenital anomaly
  • Cosmetic and reconstructive surgery
  • Experimental/ Investigational or Unproven Treatment
  • Hazardous Activities
  • HIV, AIDS, and related complex
  • Mental and psychiatric conditions
  • Reproductive medicine & other maternity expenses
  • Sexually transmitted infections & diseases
  • Substance related and addictive disorders
  • Traffic offences & unlawful activity
  • Unrecognized physician or hospital
  • Claim process
  • Select and approach insurance/corporate/TPA helpdesk of our network hospital [recommended at least 72 hours before treatment].
  • For identification purpose use passport, voter card, PAN card or driver’s license along with your Max Bupa health card or policy number.
  • Network hospital will check your identity for validation and submit a pre-authorisation form to us.
  • We provide our decision to the hospital within 4 hours, when no further document is required.
  • We may assign a relationship manager to make the hospitalisation simple for you.
  • Get admitted for treatment and sign all documents, forms and invoices on discharge.
  • We make payments to the hospital for pre-approved treatment and as per policy terms and conditions.

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