Heartbeat Individual – Platinum
Comprehensive cover Options of Rs 15 Lakh, Rs 20 Lakh, Rs 50 Lakh & Rs 1 Crore
In-patient Care (Hospitalisation)
Max Bupa covers cost of medical treatment when you or your insured family members are hospitalized for treatment.
No Limit on the Hospital Room category
International Treatment support for Specified Illnesses
Platinum customers can avail treatment abroad for 9 specified critical illnesses. They are covered if detected in India by a Medical practitioner within the policy period on cashless basis.
The specified illnesses covered are listed below:
- Cancers like leukemia, lymphoma and sarcoma excluding all tumors in the presence of HIV infection
- Heart Attack (Myocardial Infarction)Coronary Artery Bypass Graft (CABG)
- Major Organ Transplant for heart, lung, liver, kidney, pancreas to treat irreversible end-stage failure of the relevant organ human bone marrow using haematopoietic stem cells is also covered.
- Stroke
- Surgery of Aorta including graft, insertion of stents or endovascular repair excluding surgery required due to underlying congenital condition.
- Coronary Angioplasty subsequent to myocardial infarction or anginal attack.
- Primary Pulmonary Arterial Hypertension
- Brain Surgery
Consultation and diagnostic tests
Max Bupa shall cover reasonable and customary expenses towards consultation as an outpatient with a doctor to assess the Insured Person’s condition.
Consultation and Diagnostic Tests Carry Forward
If the Policy is renewed without any break and there is an unutilized amount under the applicable sub-limit in a Policy Year, then Max Bupa will carry forward 80% of this unutilized amount to the next Policy Year.
Emergency Medical Evacuation and Hospitalization
In case of a medical emergency outside India Max Bupa will provide assistance in medical evacuation of the Insured Person and cover the reasonable and customary costs of transportation of the Insured Person (and an attending Doctor if this is medically necessary)
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 an Inpatient Care hospitalization claim.
All Day Care Treatment Covered
Max Bupa covers all day care treatment, not a select few. However, such a procedure should not be in the outpatient department of a hospital.
Maternity Benefits
The plan provides you maternity benefits for up to two deliveries. To avail this benefit, both you and your spouse should have been covered under this policy for two continuous years.
Newborn Baby
Your newborn baby will be covered as an insured person from birth without any additional premium. This is till the next renewal and will be applicable only if Max Bupa has paid the Maternity claim.
Free Annual Health Check-Up
Cost of health check-up arranged for you with empanelled service providers.
Vaccination Cover
Max Bupa shall also cover vaccination expenses of the new born baby till the end of the policy year in which the baby is born and extend the vaccination expense cover till the baby completes one year, This expense is covered only if Max Bupa has accepted the baby as an insured person on renewal immediately after the delivery.
Childcare benefits
Max Bupa covers specified vaccination expenses for insured children until they have completed 12 years. Max Bupa also covers consultation for nutrition and growth provided to the child during a visit for vaccination.
Any Age enrollment
Max Bupa covers every member of your family across every stage of life.
2 year Policy Tenure Option
You can choose to opt for 2-year policy tenure and avail discount
Health Relationship Program
You are eligible for Health Relationship Program if the Policy is renewed with us without any break. Under this program you may opt for any one of the following options:
- Increase in your Sum Insured– You will get 10% additional Sum Insured each policy year of expiring base Sum Insured. Also, the additional sum insured can be accumulated upto 50% of current base sum insured.
- Earn and Redeem - You can earn points worth 10% of your last paid annual premium after you renew your policy and these points can be redeemed on the Max Bupa website for various health and lifestyle products and services.
Please note that if you select option ‘a’, you cannot go back to option ‘b’ in the next year.
Tax Benefit
You can 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
Max Bupa assures you renewability for life. The premium does not increase even if you make a claim in the previous year. The premium is based only on your age and city of residence, rather than your claim history.
Direct Claim Settlement
Max Bupa settles your claims directly, without any third party involvement. Because in times of crisis you should concentrate only on your health rather than chasing a ‘third party’ for settlement of your claims.
Cashless Facility
Cashless approval within 4 hours: Max Bupa provides cashless approval within 4 hours, at a network of quality hospitals.
Organ Transplant
Medical expenses for an organ donor’s treatment for harvesting of the organ are covered
Domiciliary Treatment
In case a bed in the hospital is unavailable or the patient has been advised treatment at home by the attending medical practitioner Max Bupa will pay for this medical treatment, which is taken at home.
Emergency Ambulance
Max Bupa covers costs incurred towards Emergency Ambulance. The expenses are paid once an In-patient claim has been accepted.
Free Look Period
Max Bupa endeavors for transparency and complete satisfaction and therefore, policies are simple and easy to understand. Yet if you are still not satisfied, Max Bupa provides a 15 day free look period within which you can cancel your plan by simply stating the reason.
