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Max Bupa Health Insurance Plans

Max Bupa Health Insurance Company

Max Bupa Health Insurance Company is headquartered at New Delhi and is a joint venture where the participating firms are Max India Ltd., and Bupa Finance Plc, which is a UK-based company that specializes in healthcare services.

Bupa operates in more than 100 countries of the world, has more than 29 million customers, and has been founded six decades ago. Max India (a group with estimated value of Rs 8562 crores) operates several renowned hospitals in India and also is known for clinical research and consumer friendly life insurance.

Max Bupa has around 29 major offices that are located in India’s major cities, while it also has thousands of small customer interaction points, intermediaries, agents, and brokers for policy sale and claims reimbursement purposes.

The company has an efficient, optimized and modern online web portal where customers can buy and renew their health policies and can also make claims when the situation arises.

Awards and Recognitions

Bupa is the recipient of the “Best UK Health insurance company of the year award” for the year 2009, and many other awards in different countries. Max has received the CIO technology implementation award, the Business Excellence Award (awarded by CII-Exim Bank) and the Super Brand Award (the year 2008), among other awards.

Statistics and facts relating to Max Bupa Health Insurance Company Ltd.

  • The company has been customer's favorite and has impressive figures to show and exhibit.
  • Max Bupa earned a premium of INR 54, 42, 811, 000 (approximately 5 billion 44 crores) in the financial year 2016-17.
  • The company earned a handsome profit of 46, 306,000 or 46 crores in the financial year 2016-17.
  • The company operates in all major and minor cities of India through its branches and intermediaries, and Bupa enjoys a positive reputation worldwide.

Max Bupa Health Insurance Polices

The Max Bupa Health Insurance policies are tailor-made in order to suit the needs and budget of different kinds of customers. The Max Bupa, health insurance brochure, includes policies for individuals, couples, nuclear families and the extended families. Below are more details that relate to the Max Bupa’s segment specific health insurance plans.

The Max Bupa “Individual” health insurance plans include

Max Bupa healthcare plans for the Individuals

“Heartbeat” for Individuals

  • The plan offers a cover of up to Rs 1 crore
  • Coverage towards the in-patient hospitalization charges (including medical treatment and medicine purchase)
  • Cover for getting treating outside India (in well known and developed countries including the U.S.). The coverage is towards the treatment of the fatal illness including cancer, HIV, stroke, heart attack, and brain surgery, among others.
  • Coverage towards diagnostic services and OPD treatment
  • Coverage towards pre (up to 60 days) and post (90 days) hospitalization expenses
  • Coverage towards the alternative treatment modes including Unani, Ayurveda, Homeopathy and Sidha
  • Coverage of all kinds of day-care expenses
  • Maternity benefits (available after two years of purchasing the policy to the females)
  • Emergency ambulance charges are covered
  • Hospital cash coverage when the insured has been hospitalized for a period of at least 48 hours, for a maximum time period of 30 days.
  • The policies can be used to get tax relief under the Income Tax laws of India.
  • 15 day free look period
  • The Heartbeat health insurance policy is available in 2 variants including Gold and Platinum.

Health Companion” for Individuals

  • Coverage up to Rs 12.5 lakhs
  • Sum insured gets automatically ensured when it gets completely exhausted.
  • The hospitalization, and the pre (30 days) hospitalization) and post (60 days) hospitalization expenses are duly covered under the policy.
  • Coverage towards alternative treatments including Ayurveda, Siddha, Unani and Ayurveda.
  • NCB or No Claim Bonus
  • A free health check-up every year
  • Daily hospital cash reimbursement of up to Rs 2,000 for a maximum period of 30 days over and above the actual sum insured (optional and is included at an extra premium)

“Critical" for Individuals

The plan covers 20 critical illnesses including cancer, coma, major burns, speech loss, stroke, heart attack, deafness, permanent paralysis and muscular dystrophy among others.

  • Direct claim settlement
  • Policy can be renewed for the whole life without any addition to the premium

Max Bupa Health Insurance Plans For the Couples

Max Bupa has three different plans of the couples and families. These include:

“Heartbeat” Family floater plan

  • Available in 2 versions viz. Gold and Platinum
  • Coverage of up to Rs 1 crore
  • International treatment expenses covered
  • Pre (up to 60 days) and post (up to (90 days) expenses are covered.
  • All day-care treatment expenses are covered
  • Benefits towards maternity and newborn baby
  • Coverage towards alternative treatments including Unani and Ayurveda among others.
  • An optional cover will also help you avail cash for hospital expenses that occur over and above the other covers of the policy.
  • The policy is available to people of any age
  • Emergency ambulance charges are covered
  • The second medical opinion expenditures are also covered.
  • A free look period of 15 days

“Critical" for Couples

The policy covers both the couples against 18 different grave and critical illnesses, at an affordable cost. The policy is basically the “family” version of the individual critical policy.

“Health Companion” for Couples

The Max Bupa, health insurance policy, covers both the spouses and up to 4 children and has a sum insured amount that can be up to 12.5 lakhs. The highlights of the policy include

  • Cashless treatment at more than 3500 premier hospitals.
  • Refills, pre and post hospitalization expenses coverage, and hospitalization expenses coverage among other exclusive benefits.

Max Bupa Health Insurance for the Nuclear families

Among this category, Max Bupa offers the Heart Beat., Criticare, and the Health Companion health care insurance plans that are designed for the nuclear families, or the families that include only the couple and their children.

Max Bupa Health Insurance For Extended Families

The Max Bupa Extended family health insurance plans cover up to 19 members of a single family. All insured family members have their own, and individual insurance sums ensured. There is also a floating sum that gets available to the family member who needs it (i.e. accessible to all).

Claims Process

You can get the cashless treatment facility at thousands of Max Bupa network hospitals. Alternatively, you can also file claims online or can approach the agents or the offices of the company. Max Bupa health insurance claim form is available online and at the company offices, while the agents and intermediaries of the company can also provide it.

Max Bupa has its own treatment facilities, and there are also many other hospitals that lie under the cashless network of the company (Max Bupa health insurance list of hospitals is available online). The company has millions of customers in India and abroad (when you consider the customer base of Bupa. It has a flawless claim reimbursement process, 24*7 support for all its customers, and is known for providing exceptional services (including the door step services).