Max Bupa Health Recharge Plan

Max Bupa Health Recharge Plan is one of the most suitable plans that covers medical expenses incurred due to personal accident and critical illness. This plan offers high coverage at affordable premium rates and it enables you to customise your health plan as per your risks.

Key Features And Benefits


Here are the key features covered under Max Bupa Health Companion Plan:

  • Cashless hospitalisation

    Get cashless treatment at the network hospitals. Cashless treatment will be approved within 30 minutes with no third-party administrator (TPA) involvement.

  • Pre- and post-hospitalisation

    Medical expenses incurred from 60 days before hospitalisation and till 90 days after discharge are covered under the plan.

  • Domiciliary cover

    The plan covers treatments taken at home, in case your doctor has advised to stay at home. This plan is also beneficial for those who prefer taking treatments at home rather than at a hospital.

  • Mental disorder treatments

    Expenses incurred for inpatient treatment for mental illness are covered under the plan, subject to sub-limit for specific conditions as specified in the policy contract.

  • Organ transplant cover

    If you are going through any organ transplantation surgery, then the donor’s expenses and the surgery expenses are covered in the Max Bupa Health Recharge Plan.

  • Hospital rooms cover

    The plan covers the cost for a single private room of the hospital and there is no upper limit for the room’s rent. The room rent is covered in case the sum insured is Rs. 5 lakh and above.

  • Emergency ambulance

    The plan covers ambulance expenses for transferring the insured to the nearest hospital during an emergency. The plan covers ambulance charges up to Rs. 1,500 per hospitalisation, only if the insurer has accepted the inpatient claim.

  • E-consultation

    If the insured person is diagnosed with an illness or is planning to undergo a planned surgery or a surgical procedure, the insured person can seek an e-consultation for the same during the policy period.

  • AYUSH treatment cover

    The plan covers Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) treatments taken under in-patient hospitalisation. The coverage offered is up to the sum insured.

  • Free look period

    The plan offers free look period of 15 days. This option allows you to return the policy within 15 days from the date of inception, if you feel this plan isn’t suitable for you.

  • Add-on benefits

    There are some add-on benefits of the policy that you can add at the time of inception of the policy. You can customize your plan by adding the following benefits.

  • Personal accident cover

    The plan gives a personal accident cover to the insured.

  • Critical illness cover

    If you are diagnosed with any kind of critical illnesses like cancer, kidney failure etc. then you can avail of coverage under this plan.

  • Tax benefits

    Save tax under Section 80D of the Income Tax Act.

Policy Details

Here are the details of the policy:

Max Bupa Health Recharge Plan
Policy type Individual/family floater
Entry age Minimum entry age: 18 Years
Maximum entry age:65 Years
Renewal Lifetime renewable
Policy term One, two and three years
Sum insured Up to Rs. 95 lakh
Deductible Starts from Rs. 1 lakh

Plans Available

Health Insurance helps you to be stress-free while dealing with medical contingencies due to sickness and accidental injuries. For coverage of Rs. 5 lakh, the premium will be Rs. 2,607 including all taxes.

Max Bupa Network Hospitals

Find out the nearest network hospital in your vicinity and avail of cashless treatment. Click here https://transaction.maxbupa.com/Pages/hospitalnetwork.aspx
Max Bupa Health Companion Plan Brochure
Read the brochure to know more about the plan, click here Max Bupa Health Companion.

How To Purchase The Policy

In order to purchase the policy, follow these steps:

  • To apply for the product, click on 'Apply Now' and fill in the necessary details
  • Make the fee payment online using your preferred mode of payment
  • Fill in your name and mobile number
  • Complete the process by clicking 'Buy Now', you can also request a call back

List Of Documents Required For Purchasing The Policy

Here are the mandatory documents required while purchasing the policy:

  • Photograph of the applicant
  • Age proof such as birth certificate, voter’s ID, PAN card, passport etc.
  • Identity proof such as passport, Aadhaar card, PAN card, voter’s ID etc.
  • Income proof such as Form 16, salary slips, employment certificate etc.
  • Address proof such as telephone bill, electricity bill, passport, bank statement, voter’s ID etc.
  • Medical tests that the insurer requires you to undergo

How To Process The Claims

Here’s how you can process the claims.

Cashless claims

With the Max Bupa Health Recharge Plan, you can avail the benefit of cashless treatment at 5,000+ network hospitals by following the following process:

  • Get admitted to anyone of the network hospitals of Max Bupa.
  • Use your Max Bupa’s health card or share your policy number with the concerned team at the hospital along with your passport/PAN card/voter’s ID as identification proof.
  • The network hospital will verify your identity for validation and submit the pre-authorisation request to the insurer.
  • After validation, the insurer will review and provide their confirmation to the network hospital by fax and email. The insurer ensures you are also notified of the same through text message and email. The insurer will respond to your request within 30 minutes of filing of the claim request.
  • The only activity left to do now is the final settlement of your claim (as per policy terms and conditions) with the hospital after completion of all the necessary formalities

Reimbursement claim

Here’s the process to raise a reimbursement claim with the insurer:

  • If you get hospitalised, notify the insurer within 48 hours of admission at network or non-network hospital. After getting admitted pay the amount directly to the hospital you are in.
  • After you are discharged from the hospital, make sure you have all the relevant documents, invoices, medical reports and discharge certificates with you. The insurer would need the originals of all the mentioned documents to process your reimbursement.
  • Send all the documents to the insurer, along with the filled and signed claim form. Send your valid ID proof and age proof as well.
  • After receiving your documents, the insurer will review your claim request and accordingly will give an approval, raise a query or reject the claim (as per policy terms and conditions).
  • Finally, the insurer will settle the claim (as per policy terms and conditions) and reimburse the approved amount.

Documents Required For Reimbursing Claims

Here are the documents you need to collect in original form from the hospital and submit them to the insurer within 15 days of discharge from the hospital.

  • Original investigation reports
  • Final hospital discharge summary, FIR or post-mortem report if happened
  • Pharmacy bills along with the prescription
  • Cancelled cheque or NEFT details for payment
  • Original bills, receipts, and discharge reports
  • Indoor case papers and duly filled claim form
  • Original hospital bills, valid photo ID proof and treating doctor's report
  • Original consultation notes, nature of operation performed and surgeon's bill and receipt
  • Test reports along with attending doctor’s or surgeon’s report

Major Policy Exclusions

Here are some of the exclusions under the policy:

  1. Ailment wise capping and ambulance charges
  2. Ailments requiring treatment due to use or abuse of any substance, drug or alcohol and treatment for de-addiction
  3. Breach of law with criminal intent, intentional self-injury
  4. Circumcision unless required for the treatment of illness or accidental bodily injury
  5. Dental treatments and cosmetic surgeries
  6. Hearing aids, spectacles or contact lenses including optometric therapy. Abuse or the consequences of the abuse of intoxicants or hallucinogenic substances
  7. Miscarriage, abortion and c-section deliveries, sexually transmitted diseases such as AIDS and HIV
  8. Refer the policy document to know more about exclusions in detail

Claim/Assistance Contact Details

BFL Helpline Number:   08698010101

Max Bupa Helpline Number:   1860-500-1000

E-mail –  wecare@bajajfinserv.in

Mailing address: Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014.

*For claim related issues please refer to your policy document or Certificate of Insurance (COI).

Frequently Asked Questions (FAQs) for Max Bupa Health Recharge Plan

Q. What is Max Bupa Health Recharge Plan?

Max Bupa Health Recharge Plan is a cost-effective health insurance plan, which can be purchased as an individual plan or a family floater plan. The plan covers you against various medical expenses incurred due to personal accident, critical illness or other risks.

Q. Why opt for Max Bupa Health Recharge Plan?

Health Recharge Plan by Max Bupa is the ideal plan for those who want to seek comprehensive coverage at an affordable premium. The plan offers coverage for personal accident, critical illness, hospitalisation, AYUSH treatment and more. It also offers online consultation for seeking doctor’s opinion on surgery or any illness. Additionally, you can avail of free look period that allows you to cancel the plan after 15 days, if you aren’t satisfied by its offerings.

Q. What is the minimum and maximum amount for the sum assured in Max Bupa Health Recharge Plan?

Max Bupa Health Recharge Plan offered by Bajaj Finance offers coverage up to Rs. 95 lakh.

Q. What is the entry age under Max Bupa Health Recharge?

The minimum entry age is 18 years and maximum entry age is 65 years under Max Bupa Health Recharge.

Q. Does Max Bupa Health Recharge allow alternative treatments?

Yes, Max Bupa Health Recharge covers alternative treatments such as Ayurveda, Yoga, Unani, Sidha, and Homeopathy (AYUSH). The policyholder can avail of in-patient treatments taken under AYUSH up to the sum insured.

Q. Can an insured individual obtain e-consultation under a health recharge plan?

Yes, Max Bupa Health Recharge Plan offers e-consultation. The policyholder or any member covered under the plan can consult a doctor online if the person has been diagnosed with an ailment or is intending to undergo a planned surgical treatment.

Disclaimer

Bajaj Finance Limited (BFL) is a registered corporate agent of third-party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, Tata AIG General Insurance Company Limited, ACKO General Insurance Limited, Max Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited, and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101.

Please note that BFL does not underwrite the risk or act as an insurer.  Your purchase of an insurance product is purely voluntary after you exercise independent due diligence on the suitability, viability of any insurance product. Any decision to purchase an insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. This product provides insurance coverage under product name: Max Bupa Health Recharge, product UIN: MAXHLIP20140V021920. Please refer insurer's website for policy wordings. For more details on risk factors, terms and conditions, and exclusions please read the product sales brochure carefully before concluding a sale.

Tax benefits applicable if any will be as per the prevailing tax laws. Tax laws are subject to change. BFL does not provide tax/investment advisory services.  Please consult your advisors before proceeding to purchase an insurance product.