Max Bupa Health Insurance

Max Bupa Health Insurance offers a wide range of health insurance policies, such as individual health insurance, family floater insurance policy, and top-up insurance cover, catering to the consumers’ diverse medical requirements.

For Max Bupa Health Insurance, customer satisfaction is of paramount importance, ensuring their customers lead happier and more successful lives. The insurance provider offers customer-centric, digitally-enabled, health insurance products and services including pre-authorisation of cashless claims within 30 minutes, direct claim settlement, and access to ‘Point of Care’ desks at leading hospital chains to all customers across the country.

  • Products

    Keeping up with growing digitalisation, Max Bupa Health Insurance facilitates Max Bupa Health App to its customers. The health insurance plans offered by Max Bupa cover a range of features and benefits like 30 mins cashless claim processing, instant reimbursement facility, an extensive network of over 7000 hospitals, in-house claim settlement  

    Following are the health insurance plans offered by the insurer:

  • Health Companion

    Max Bupa Health Companion plan comes with a host of smart features that caters to everything you need in a health cover. It is truly the smarter way to manage your entire family’s health.

  • Health Assurance:

    Max Bupa Health Assurance provides financial coverage during sudden emergencies like accidents, assuring you avail quality treatment at the time of need. You can also get the triple-layered advantage of CritiCare and AccidentCare.

  • Health Recharge:

    Max Bupa Health Recharge enhances your family’s health insurance cover with this super top-up plan. It covers medical expenses against personal accidents and critical illness and offers a plethora of features and benefits. 

    Product Table
     

    Health Insurance Plans Sum Insured (Rs.) IPD Hospitals List – Re-fill No claim Bounce Pre-&Post-hospitalisation Modern Treatment (Robotic treatment)
    Health Companion: (Variant 1,2 & 3) 2 lakh,
    3 lakh,
    4 lakh,
    5 lakh,
    7.5 lakh,
    10 lakh,
    12.5 lakh,
    15 lakh,
    20 lakh,
    30 lakh,
    50 lakh &
    1 Crore
    7,000 Re-fill up to SI 20% of base SI per policy year, maximum up to 100% of base SI (Does not come down with claim) 30- 60 days NA
    Health Assurance (Accident Care& Critical Care) AC : 5 lakh,
    10 lakh,
    15 lakh,
    20 lakh,
    25 lakh,
    30 lakh,
    35 lakh,
    40 lakh,
    45 lakh &
    50 lakh
    CC : 3 lakh,
    5 lakh,
    7.5 lakh,
    10 lakh,
    15 lakh,
    20 lakh,
    25 lakh,
    30 lakh,
    35 lakh,
    40 lakh,
    45 lakh &
    50 lakh
    Note: More than 50 lakh cover Financial underwriting require
    7,000 NA NA NA NA
    Health Recharge Base SI: 5 lakh,
    7.5 lakh,
    10 lakh,
    15 lakh,
    25 lakh,
    40 lakh,
    45 lakh,
    65 lakh,
    70 lakh,
    90 lakh &
    95 lakh
    Deductible: 
    1 lakh to
    10 lakh
    7,000 NA NA 60- 90 days Cover up to SI
    (Sub limits applicable on few conditions)

Benefits of Max Bupa Health Insurance

Here's a list of five significant benefits you can avail from Max Bupa Health Insurance:

• Annual health check-ups

The company's health insurance policies include complementary health check-ups once a year or every 2-4 policy years. This benefit enables policyholders to track and manage their health.

• Cashless benefits

Max Bupa's claims are handled by an in-house claim settlement department. The organisation has ties with over 4,500 network hospitals, ensuring that your health insurance claims are settled without cash. Furthermore, the organisation guarantees that your cashless claims will be pre-authorized after 30 minutes of notification, making the procedure swift.

• Protection from medical expenses

The company's health plans include extensive coverage advantages, which ensure that the majority of your medical expenses are covered. You will get coverage against inpatient hospitalisation, pre- and post-hospitalisation, daycare treatments, organ donation expenditures, ambulance cover, and more with Max Bupa's health insurance.

• Tax benefits

The premium you pay for a Max Bupa health insurance coverage qualifies for a tax deduction under Section 80D of the Income Tax Act, 1961.

• Reinstatement Benefit

The policy base sum covered is re-filled and made available to the insured when the same or a different illness hits in the same policy year

How to Purchase Max Bupa Health Insurance Policy Online?

Here are the steps to purchase health insurance plans offered by Max Bupa Health Insurance:

  1. Choose the health option online by visiting the website of the insurance provider.
  2. Fill in your personal details. You will receive an OTP after completing this form. You will need to enter the OTP to complete the process.
  3. Select the date wherein you wish to buy your max health insurance policy. To continue, tap on the 'View Instant Quotes' button.
  4. Select which individuals of your household you wish to include in your health insurance plan.
  5. Enter the ages of the family members you want to cover in the policy and then click ‘Continue’.
  6. In the following step, select your ‘Email ID’ and ‘City’, then choose the ‘Submit and View Quotes’ option. You'll get numerous insurance plan estimates based on your preferences. Now all you have to do is pick a Max Health Insurance Policy that adequately matches your needs.
  7. Select the health insurance policy term, insert the needed information, and pay to finish the transaction

Max Bupa health insurance cashless claim process

• Stage 1: Choose any of the hospitals under the cashless network and get admitted.

• Stage 2: Show the hospital your Max Bupa Health Card. You can also supply your policy number as well as any other acceptable form of personal identification, such as a passport, PAN card, or voter's ID.

• Stage 3: The hospital will submit the pre-authorisation request form to Max Bupa after verifying your identity.

• Stage 4: Within 30 minutes, Max Bupa will react and offer confirmation to both the hospital and you.

• Stage 5: The claim will be settled directly with the hospital after all processes have been completed.

Reimbursement Claim Settlement Method

• Stage 1: If you are admitted to a hospital, please notify Max Bupa within 48 hours, regardless of whether you are in a network or non-network facility.

• Stage 2: You will be required to clear the hospital bill on your own.

• Stage 3: Collect all essential documentation, bills, reports, and a discharge statement once you've been discharged.

• Stage 4: Send these documents to Max Bupa, along with a completed and signed claim form, proof of ID, and proof of age.

• Stage 5: Following a review of your claim, you will either be authorised for reimbursement or denied, depending on the policy's terms and conditions.

• Stage 6: The amount you are entitled to will be reimbursed.

Documents Required for Reimbursement Claim

  • Legitimate ID proof
  • Doctor's letter for hospitalization
  • Doctor's remedy for conference, medication, and clinical trials
  • Hospitalisations and medical bills
  • Reports of lab and radiology tests
  • First Information Report (FIR), in case of an accident
  • Post-mortem report, if applicable

Max Bupa Health Insurance Renewal Process

You may renew your insurance by the following procedure below:

  • Go to the website of Max Bupa Health Insurance, i.e., www.maxbupa.com
  • To renew your membership, go to the site's 'Renew' tab.
  • Insert your current Policy Number and 'Date of Birth' and then tap the 'Submit button.
  • Examine the specifics of the max health insurance plan and the premium sum for renewal.
  • Make the transaction using the insurance provider's payment gateway.

Inclusions of Max Bupa Health Insurance Policies

Here are the key offerings by the insurance company:

  1. Cashless benefit
  2. Room rent
  3. Operation charges
  4. Treatment costs
  5. Surgeon fees
  6. Pre-hospitalisation
  7. Post-hospitalisation
  8. Road ambulance charges during emergency
  9. All daycare procedures
  10. Organ donor expenses
  11. Modern treatment (robotic treatment) covered in Reassure, Health Recharge and Health Premia plans
  12. Annual health check-up

Exclusions of Max Bupa Health Insurance Policies

Note: A health insurance product also has an Exclusions list along with Waiting Period in general and for specific Pre-Existing diseases. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

Frequently Asked Questions (FAQs) for Max Bupa Health Insurance:

Q1. What types of medical expenses are compensated by Max Bupa Health Insurance?

Ans. Max Bupa Health Insurance covers every legitimate expenditure incurred by the insured during hospitalization.

Q2. Who is the TPA of Max Bupa Health Insurance?

Ans. TPA (Third-party Administrator) from Max Bupa Health Insurance is a corporate agent who operates in the companies’ network hospitals. Following every medical emergency, TPA assists policyholders in obtaining cashless hospitalization or reimbursement solutions.

Q3. Does Max Bupa Health Insurance cover the hospitalisation expenses incurred during a medical emergency?

Ans. Yes, Max Bupa Health Insurance covers the medical expenses incurred during hospitalisations up to the sum insured under the policy. However, you must check if any waiting period is applicable before availing the facilities to avoid confusion at the time of claiming the benefits.

Q4. Is it necessary to undergo a medical check-up before buying Max Bupa Health Insurance?

Ans. A medical examination is not always required, and it depends on your age. You can check the policy terms and conditions to know whether a pre-policy medical examination is required or not. Mostly, policyholders of age 60 years and above require a pre-policy check-up from the authorised diagnostic center.

Q5. Which plan of Max Bupa Health Insurance is best?

Ans. Max Bupa Health Insurance offers a wide range of comprehensive health insurance plans that cater to every individual’s needs. You can choose from the various plans offered by the insurer that suits the best for your needs.