Health Companion - Individual - Variant 1
Family Floater health insurance plan is affordable & comprehensive, designed keeping in mind the nuclear family (you, your spouse and upto 4 children). Direct claim settlement, cashless facility, and assured plan renewal for life are some of the key benefits.
Sum Insured Options of Rs 2 Lakh, Rs 3 Lakh & Rs 4 Lakh
Top Up with Annual Aggregate Deductible Option of Rs 1 Lakh, Rs 2 Lakh, Rs 3 Lakh, Rs 4 Lakh, Rs 5 Lakh & Rs 10 Lakh
In-patient Care (Hospitalisation)
Max Bupa covers cost of medical treatment when you or your insured family members are hospitalized for treatment.
Hospital Accommodation
Max Bupa covers cost of all types of hospital accommodation without any capping on room rent charges.
Pre & Post Hospitalization Medical Expenses
Max Bupa shall reimburse medical expenses incurred due to illness. The period of the treatment, which Max Bupa will cover, should be 30 days before you get admitted to a hospital and 60 days after you get discharged from the Hospital. This is subject to Max Bupa accepting the Inpatient Care hospitalization claim.
Refill Benefit
In case you have exhausted your Base Sum Insured and No Claim Bonus partially or completely, under this benefit, you are entitled for an additional sum insured equal to the base sum insured for a subsequent claim in the same year, provided it is for an unrelated illness.
AYUSH In-patient
Avail In-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured
Renewal Benefit
You would be entitled to both the benefits as renewal benefit:
- No Claim Bonus
Increase in Sum Insured @20% of Base Sum Insured subject to the maximum of 100% of Base Sum Insured for each claim free year with no penalization in case of claim
- Complementary Health Check up
Avail complementary Heath Check up for yourself and your family once in two years so that you live a healthier and happier life
2 year Policy Tenure Option
When you take a policy for two years, you get 12.5% discount on the second year premium.
Hospital Cash (Optional) Rs 1000/Day
A lumpsum payment for each 24 hours of hospitalization in addition to the in-patient treatment benefits is made. This benefit is over and above the sum insured. The benefit is payable for up to 30 days of hospitalization.
Emergency Ambulance
Max Bupa also covers the ambulance expenses to transfer the policyholder following an emergency to the nearest hospital. These expenses are paid only if Max Bupa has accepted the In-patient claim.
Organ Transplant
Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered.
Domiciliary Treatment
In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; Max Bupa pays for medical treatment taken at home, which would otherwise have required hospitalization.
Information at your fingertips
As a Max Bupa Policy holder you can access your own page on the Max Bupa website for storing your claims history, your favorite health information, your health profile, including records of tests you may have taken while enrolling with us.
Any Age enrollment
Max Bupa covers families across life stages – from new born to senior citizens of any age. There is no maximum age for enrollment.
Information at your fingertips
As a Max Bupa Policy holder you can access your own page on the Max Bupa website for storing your claims history, your favorite health information, your health profile, including records of tests you may have taken while enrolling with us.
Tiered Network Option
Zone 1: Delhi/NCR, Mumbai(inc. Thane City and Navi Mumbai), Bengaluru, Chennai, Surat, Pune, Hyderabad, Kolkata, Ahmedabad
Zone 2: Rest of India
If you reside at any location in India outside Zone 1, you get the option to choose Tiered network option.
Choosing this option will provide you cashless facility in Zone 2 cities but only reimbursement facility in Zone 1 cities with 20% copayment.
This further provides a 10% discount for your premium calculation.
Tax Benefit
You will save tax under Section 80D of the Income Tax Act 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.
Assured Policy Renewal for Life
Once insured with us, you will always remain customers subject to continued payment of premium. Max Bupa assures you renewability for life with no extra loadings based on your claim history.
Direct Claim Settlement
Max Bupa believes you should focus on the treatment of your loved ones rather than running after claim settlement. Therefore, all claims are processed directly by the customer services team.
Cashless Facility
You can access cashless facility at your nearest network hospital.
Free Look Period
Max Bupa endeavors for transparency and complete satisfaction and therefore, policies are transparent and easy to understand. If you are not satisfied, Max Bupa provides a 15 day free look period within which you can cancel your plan stating the reason.
Information at your fingertips
As a Max Bupa Policy holder you can access your details on Max Bupa website containing your claims history, your favorite health information, your health profile, including records of tests you may have taken while enrolling with us.
