Family First –Heart Beat Health Insurance

A newly introduced policy by Max Bupa which is ideal for joint families in India, where each member can be insured for an individual sum along with a floater sum which can be used by any of the family members. Keeping the Indian joint families in mind 14 relationships can be covered. Hospitalization for medical treatment is covered along with reimbursement for pre hospitalization expenses for 30 days and post hospitalization for 60 days. Maternity expenses for adult females are covered if the policy is valid 2 years before pregnancy. When Max Bupa pays for the maternity the new born child is covered without extra premium till the next renewal which will cover all the vaccines also. All day care treatments will be covered providing the treatment is not done in an outpatient department.

You become eligible for Max Bupa Health Relationship program by renewing the policy without a break and under this program can opt for – An increase in the sum insured. Can earn points which can be redeemed for health and lifestyle products and services.

You can choose 2 year policy tenure and gain discounts. You are eligible for a free health check up once in 2 years. There is no minimum or maximum age for enrollment. The claims are directly cleared without any third party involvement. The renewal premium remains the same even after making a claim. The cost of organ transplant – the donor expenses and harvesting are covered by the policy.

The cashless facility can be availed within 4 hours at networked hospitals, emergency ambulance charges are covered. These are facilities availed in the silver plan in the gold program there are some additional benefits. In the platinum policy patients can avail treatment abroad for 9 specified illnesses like cancers, heart attacks, organ transplants, strokes, brain surgery etc.

Source-Medindia