Max Bupa Health Insurance Company

Max Bupa is a standalone health insurance company which is formed as a joint venture between two reputed companies – Max India Limited and Bupa. While Max India Limited is an Indian company, Bupa is a UK based expert in providing healthcare services with experience of more than 60 years. Bupa is a multinational company with a presence across 190 countries and a customer base of more than 29 million individuals. Max India Limited, on the other hand, is an expert in both the insurance and health sector. Overall, both these promoters bring in value-addition to Max Bupa which is a reputed health insurance company in India.

Features and benefits of Max Bupa Health Insurance policies

Here are the salient features of health insurance plans offered by Max Bupa –

1. The company enjoys a high claim settlement ratio of 92%
2. It promises to settle your health insurance claims within 30 minutes
3. The company has an in-house claim settlement team thereby eliminating the need for TPAs (Third Party Administrators)
4. The company offers international coverage for critical illnesses through its hospital network in 190 countries
5. Max Bupa has been rated to be the ‘Most Trusted Health Insurance Brand’ for three consecutive years
6. The company allows cashless claim settlements across 7000+ hospitals in India
7. The company received the “Economic Times Best Brands 2019 award”
8. With their app going over 1.5 downloads, the Max Bupa Health App was also awarded the Best Tech for Health Category 2019

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Coverage under Max Bupa Health Insurance plans

Common coverage benefits which are found in all Max Bupa Health Insurance plans are as follows –;

Coverage benefit	Meaning
Inpatient hospitalisation	Coverage for hospital costs incurred when you are hospitalised for 24 hours or more. The coverage is allowed for the following –Room rentICU room rentDoctor’s feeSurgeon’s feeOT chargesBlood, medicines, etc.Nurse’s fee, among others
Pre hospitalisation	Medical costs incurred before you are hospitalised
Post hospitalisation	Medical costs incurred after you are discharged from the hospital
Ambulance expenses	Costs incurred and transporting you to the hospital in an ambulance
Daycare treatments	Treatments which do not require a hospital stay of 24 hours or more due to advanced medical technologies
Domiciliary treatments	Cost of treatments taken at home because of non-availability of hospital beds or when you are in no condition to be shifted to the hospital
Organ donor treatments	Costs incurred in harvesting the organ from an organ donor for organ transplant procedures
Free health check-ups	Preventive health check-ups allowed once in a specified period to monitor your health
AYUSH treatments	Non-allopathic treatments including Ayurveda, Unani, Siddha and Homeopathy
Maternity cover	This cover is available in some plans where the costs of childbirth and pre and post-natal expenses are covered

What is not covered by Max Bupa Health Insurance plans?

While the exact exclusion list depends on the plan that you choose, here is a list of some of the most common exclusions which are found in Max Bupa Health Insurance plans –

• Pre-existing illnesses are not covered during a specified waiting period. Coverage is allowed only when the waiting period is over
• There is a waiting period for specific treatments and illnesses like hernia, piles, joint replacement surgeries, etc.
• Illnesses within the first 30 to 90 days of buying the policy are not covered unless they are accidental in nature
• Cosmetic treatments are not covered
• HIV, AIDS and any other type of sexually transmitted or venereal diseases are not covered
• Pregnancy and childbirth are not covered unless otherwise specified
• Dental treatments are not covered under most plans
• Illnesses or injuries due to war, rebellion, mutiny, civil unrest and nuclear perils are not covered

Max Bupa health insurance review – Optional coverage benefits

Max Bupa Health Insurance plans also offer optional coverage features, called riders, which can be taken for an enhanced scope of protection. These riders come at an additional premium. The available riders under different Max Bupa Health Insurance plans include the following –

Name of the rider	Coverage offered
Personal accident cover	Covers accidental deaths and disablements and pays a lump sum benefit in either case
Critical illness cover	Covers a specific number of critical illnesses. If you are diagnosed with any of the covered illness, a lump sum benefit is paid
Enhanced loyalty additions	The sum insured can be increased at an enhanced rate after every year at the same amount of premium
Hospital cash	A daily cash benefit is paid if you are admitted to a hospital for 24 hours or more
International coverage extension	The sum insured available for international health insurance cover is doubled up under this rider
Health Coach	A personal health coach is appointed to guide you to maintain your health and live a healthy life
Enhanced geographical scope for international coverage	This rider increases the number of coverage benefits which can be extended to be covered in the USA and Canada
iProtect	The sum insured is increased every year when the policy is renewed irrespective of you making any claim in the last year

Health insurance plans offered by Max Bupa 

Hospitalisation plans

Hospitalisation plans are indemnity oriented health insurance plans which cover the cost incurred on hospitalisation. The plans cover the actual costs incurred subject to a maximum of the chosen sum insured. Max Bupa offers a range of hospitalisation plans which are as follows –

1. Max Bupa Health Premia Insurance Plan

This is a comprehensive family floater plan which provides all the required coverage benefits. The salient features of the plan are as follows –

1. There are three plan variants – Silver, Gold and Platinum and the coverage benefits as well as the sum insured depends on the plan variant selected
2. Unlimited consultations can be availed from the company’s empanelled doctors online or over the phone
3. Maternity and newborn baby coverage is available worldwide 
4. In case you are diagnosed with a specific illness, the premiums would be waived for the next policy year
5. The sum insured increases by 10% every year irrespective of whether there have been claims or not
6. Coverage for HIV/AIDS is also available subject to certain terms and conditions
7. Treatments for mental disorders are covered
8. OPD expenses and treatments are covered under the higher variants of the plan
9. Coverage for robotics surgery and laser surgery is also available
10. The plan offers a range of riders, as mentioned earlier, depending on the plan variant selected

Plan parameters of Max Bupa Health Premia Insurance Plan

Entry age	Children – 90 days to 30 years Adults – 18 years to 65 years
Sum insured	INR 5 lakhs to INR 3 crores
Policy term	1,2 or 3 years

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2. Max Bupa Health Companion Plan

This is also a comprehensive health insurance plan which you can buy on an individual or family floater basis. Moreover, there is a Family First option too under which up to 19 family relations can be covered under the single plan. The features of the plan are as follows –

1. 20% no claim bonus is allowed if you don’t make a claim in a policy year
2. The sum insured is refilled if it gets used up in a previous claim in the same policy year
3. Annual as well as bi-annual health check-ups are allowed free of cost
4. You can choose the optional hospital cash benefit rider and receive daily cash benefits per day of hospitalisation 
5. The premium discount is also available if you buy a two-year continuous policy and pay the premiums at once
6. There is no limit on the maximum entry age under the policy

Plan parameters of Max Bupa Health Companion Plan

Entry age	90 days onwards
Sum insured	INR 2 lakhs to INR 1 crores
Policy term	1 or 2 years

3. Max Bupa Go Active Health Insurance Plan

This is a simple health insurance plan which has low premiums so that the policy becomes affordable. The salient features of the plan are as follows –

1. Home health care services are offered under the plan which can include dialysis, physiotherapy, chemotherapy, post-surgical care, etc.
2. Free second medical opinion can be sought through the company’s medical experts
3. OPD consultations are also covered 
4. Psychiatric consultations can be availed under the scope of the cover
5. A range of optional riders are available under the plan which can be chosen as per your requirements
6. If you buy the plan before 35 years of age, you get a lifetime premium discount of 10%

Plan parameters of Max Bupa Go Active Health Insurance Plan

Entry age	Children – 91 days to 21 years Adults – 18 years to 65 years
Sum insured	INR 4 lakhs to INR 25 lakhs
Policy term	1 year

4. Max Bupa Heartbeat Health Insurance Plan

This is one of the most popular health insurance plans offered by Max Bupa which allows quite a comprehensive scope of coverage. The plan has the following salient features –

1. There are two plan options of Gold and Platinum 
2. There is no sub-limit on room rent
3. Maternity costs are covered under the plan
4. You can insure up to 19 family members under the same plan
5. 10% increase in sum insured is allowed as no claim bonus
6. A daily cash benefit is paid in case of hospitalisation

Plan parameters of Max Bupa Heartbeat Health Insurance Plan

Entry age	The plan allows entry at all ages
Sum insured	INR 5 lakhs to INR 50 lakhs
Policy term	1, or 2 years

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5. Max Bupa Health Recharge Plan

This is an indemnity health plan which covers the actual costs of hospitalisation. You also get the option to enhance the scope of the plan by adding optional coverage benefits –

1. Free e-consultations are allowed under the plan
2. There are four optional covers under the plan which can be chosen at additional premiums
3. You can buy medicines and diagnostic tests through the company’s application right from your Smartphone
4. Premium discounts can be enjoyed by opting for long term coverage

Plan parameters of Max Bupa Health Recharge Plan

Entry age	Children – 91 days to 25 years Adults – 18 years to 65 years
Sum insured	INR 2 lakhs to INR 25 lakhs
Policy term	1,2 or 3 years

6. Max Bupa Health Plus Plan

The plan allows you an all-inclusive scope of coverage at very affordable premiums. The salient features of the plan are as follows –

1. Free annual health check-ups are allowed from the second policy year itself
2. The sum insured can be refilled if it is exhausted
3. You can double your sum insured through a 10% increase through no claim bonus
4. Coverage is allowed for treating HIV/AIDS infections as well as mental disorders

Plan parameters of Max Bupa Health Plus Plan

Entry age	Children – 91 days to 25 years Adults – 18 years to 65 years
Sum insured	INR 3 lakhs to INR 25 lakhs
Policy term	1,2 or 3 years

7. Max Bupa Money Saver Health Insurance Plan

This is a combination of two health plans namely Health Companion and Health Recharge. The plan, therefore, gives you dual benefits of these plans at very affordable premium rates. The features of the plan are as follows –

1. Sum insured refill feature is available under the plan
2. The plan can be bought at any age under the Health Companion plan
3. The coverage features of both Health Companion and Health Recharge are available under a single plan
4. Coverage is allowed for vaccination costs in case of animal bites
5. There are different types of optional riders which can be selected with the plan

Plan parameters of Max Bupa Money Saver Health Insurance Plan

Entry age	Children – 91 days to 25 years Adults – 18 years to 65 years
Sum insured	Health Companion – INR 5 lakhs Health Recharge – INR 10,15 or 25 lakhs
Policy term	1 or 2 years

Fixed benefit health plans

Fixed benefit health insurance plans are those which pay a fixed amount of benefit in case of a claim irrespective of the actual medical costs that you suffer. Critical illness plans, hospital cash plans, etc. are some types of fixed benefit health insurance plans. Max Health Insurance offers a flexible critical illness plan called Criticare which is a fixed benefit health plan. Here’s the details of the plan –

1. Max Bupa Criticare Plan

Criticare is a unique health plan which offers you different types of coverage options and you can choose from any option as per your suitability. The plan’s salient features are as follows –

1. You can choose from six coverage options all of which give you fixed benefit claims. The options are as follows-
   1. Criticare + Accident Care + Hospi Cash
   2. Criticare + Accident Care
   3. Criticare + Hospi Cash
   4. Accident Care + Hospi Cash
   5. Criticare only
   6. Accident Care only
2. Criticare covers 20 critical illnesses and pays the sum insured if you are diagnosed with any of the covered illnesses
3. Accident care covers accidental deaths and disablements
4. Hospi Cash is a daily hospital cash benefit cover wherein you get a daily cash allowance if you are hospitalised for 24 hours or more
5. Lifelong renewability is available in all coverage benefits
6. Optional benefits are also available under Accident Care coverage

Plan parameters of Max Bupa Criticare Plan

Entry age	Children – 2 years to 21 years Adults – 18 years to 65 years
Sum insured	Criticare – INR 3 lakhs to INR 2 crores Hospi Cash – INR 1000 to INR 4000/day Accident Care – INR 5 lakhs to INR 5 crores
Policy term	1, 2 or 3 years

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Personal accident plans

Personal accident plans are those which cover accidental deaths and disablements. These plans are also fixed benefit plans which pay a lump sum benefit if you die or become disabled in an accident. Max Bupa offers one personal accident plan which is described below –

1. Max Bupa Accident Care Plan

This personal accident plan covers a host of benefits along with death and disability so that you can enjoy a comprehensive scope of coverage. The plan’s salient features are as follows –

1. In case of accidental death and permanent disability, the plan also pays a lump sum benefit towards your child’s education. This is called Child Education Benefit
2. Funeral expenses are also covered under the plan in case of accidental deaths
3. Temporary total disability coverage can be availed by paying an additional premium. This coverage pays a portion of the sum insured weekly in case of temporary disablements
4. Accidental hospitalisation cover can also be chosen at an additional premium. This cover would pay the costs incurred on accidental hospitalisation 
5. Coverage under the plan is allowed not only in India but throughout the world

Plan parameters of Max Bupa Accident Care Plan

Entry age	Children – 2 years to 21 years Adults – 18 years to 65 years
Sum insured	INR 5 lakhs to INR 5 crores
Policy term	1, 2 or 3 years

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Max Bupa ReAssure Policy

Max Bupa ReAssure plan, the name itself assures that your health and financial well-being will be looked after by the insurer. This insurance policy designed by Max Bupa Health Insurance will give you and your family all the quality treatments you deserve keeping you financially strong in every situation. The motive of this plan is to give you much more than you would have ever expected from an insurance plan. 

The efficiency of the plan can be evaluated from the numerous benefits offered, like multiple coverage options, limitless restoration of base sum, cashless hospitalization coverage at all network hospitals, and many more. Investing in a health insurance plan that keeps giving you more and more, comes with extra benefits to keep you stress-free, healthy and safe, and it is something you should never hesitate to purchase.

Main features of Max Bupa ReAssure policy:

1. The policy offers two types of plans, the Individual Plan, and the Family Floater plan.
2. Expenses incurred due to in-patient’s hospitalization are covered, such as:
   • Room rent expenses with no capping feature are included in the plan.
   • Fees payment for medical practitioners/surgeons/specialists to be covered in the plan.
   • Charges incurred due to blood, oxygen, anaesthesia, drugs, medicines, etc required in the treatment of the insured shall be covered by the company.
   • Operation theatre (OT), Intensive Care Unit (ICU), and charges incurred in the medical tests of the insured person shall be covered in the policy.
3. Expenses incurred due to all daycare treatments including radiotherapy, dialysis, angiography, etc are covered in the policy.
4. Pre-and-post hospitalization charges shall be covered by the company for up to 60 days and 180 days respectively.
5. Max Bupa ReAssure plan provides coverage for alternative AYUSH treatments for the insured person.
6. This insurance policy provides coverage over special modern treatments like stem cell therapy, oral chemotherapy, and many more.
7. Expenses incurred due to all medical expenses in the organ transplantation of the insured person.
8. Max Bupa ReAssure policy provides coverage for home care treatments like dialysis, chemotherapy, and domiciliary hospitalization of the insured person.
9. Charges for the road ambulance and air ambulance up to INR 2000 and sum insured respectively shall be borne by the company.
10. Max Bupa Health insurance offers the facility of health care checkups of the insured people from day 1.
11. A boost benefit feature is added in the policy that ensures your base sum insured increases for every claim-free year.
12. A daily cash benefit is paid to the insured person for each continuous day of hospitalization in case of shared room accommodation in any network hospital.
13. Max Bupa motivates its clients to stay healthy and earn a benefit point on the Max Bupa health App.
14. Max Bupa Health Insurance offers a special premium points discount of 5% on this policy for a certified doctor.
15. Under the Income Tax Act section 80D, the policyholder can avail tax benefits on investing in this plan.
16. On insuring two or more members under an individual plan a family discount of 10% is applicable.

Plan parameters for Max Bupa ReAssure plan:

Entry Age	Adults: 18 years to 65 years Children: 90 days to 30 years
Policy Types	Individual and Family Floater plan.
Sum Insured	INR 3 Lakhs, INR 4 Lakhs, INR 5 Lakhs, INR 7.5 Lakhs, INR 10 Lakhs, INR 12.5 Lakhs, INR 15 Lakhs, 20 Lakhs, INR 25 Lakhs, INR 50 Lakhs, INR 70 Lakhs, and INR 1 Crore.
Policy Terms	1 year, 2 years and 3 years.
Waiting Period	30 days
Renewability	Lifelong

Max Bupa Super Saver Policy

Max Bupa Super Saver policy is a combination policy that includes the best features of Max Bupa Health Pulse and Max Bupa Health Recharge to give you and your family extra protection against any unpredictable illness hindering your health. This policy offered by Max Bupa Health Insurance has astonishing benefits at affordable premiums to ensure you have strong financial support at all times. Annual checkups, hassle-free claim settlements, and the facility of e-consultation will keep you and your family protected under the shield of good health.

Main features of Max Bupa Super Saver Policy:

1. This policy is available in two types of plans,
   1. Individual Plan 
   2. Family Floater Plan
2. Following expenses that are incurred due to in-patient hospitalization are covered:
   • Room rent and nursing charges for the insured person shall be borne by the company.
   • Fee payment of medical practitioners/surgeons/specialists shall be done by the company.
   • Expenses incurred in intravenous fluids, blood transfusion, and injections shall be covered in the policy.
   • Operation theatre (OT) and Intensive Care Unit (ICU) charges are covered up to the amount of the sum insured.
   • The company shall bear the cost of prosthetics and other devices used in case of implantations or surgeries.
3. Pre-and-post hospitalization charges for up to 30 days and 60 days respectively shall be borne by the company.
4. Expenses incurred due to all daycare treatments like dental surgeries, ENT, etc are covered up to the sum insured.
5. Max Bupa Super Saver policy provides coverage over alternative AYUSH treatments.
6. The company will provide coverage on domiciliary hospitalization and home care treatments for the insured person.
7. When you buy the policy for a longer duration, that is 2 or 3 years, you can opt for multi-payments and seek discounts.
8. There are many add-on benefits that you can opt for such as:
   1. Personal Accident
   2. Critical illness
   3. Hospital cash
   4. Room Modification
   5. Enhanced Refill Benefit
   6. Enhanced NCB
9. Expenses incurred due to medical procedures of organ transplantation shall be covered in the policy.
10. The charges for emergency ambulance service shall be covered up to INR 2000 per hospitalization.
11. Max Bupa health insurance offers an annual health check-up facility for the insured members from the 2nd policy year
12. Coverage of mental disorders treatments for the insured members is included in the policy concerning the terms and conditions of the policy.
13. Coverage over treatments for HIV/AIDS for the insured members is included concerning the terms and conditions of the policy.
14. The company offers unlimited online/teleconsultations for the quick recovery of its clients.
15. Max Bupa super saver policy provides a special feature to customize your policy with the add-on features like coverage on accidents, Coverage for critical illness, Hospital cash benefits, and many more.
16. Max Bupa Health Insurance offers faster and hassle-free claim settlements to its clients.

Plan parameters for Max Bupa Super Saver Policy:

Entry Age	3 months to 65 years
Policy Types	Individual and Family Floater Plan
Sum Insured	Up to INR 1 Crore
Policy Term	1 year/ 2 years/ 3 years
Renewability	Lifelong

Max Bupa Corona Kavach Policy:

With the rising numbers of COVID-19 cases across the nation, the requirement of a good health insurance policy is a must-have to stand against this deadly virus. Max Bupa Corona Kavach policy launched by Max Bupa Health Insurance is one such policy that offers you numerous benefits at affordable rates so that you are never alone in your battle against COVID-19.

The exclusive features of this policy include in-patient hospitalization coverage, pre, and post-hospitalization expenses, and coverage for different treatments for the insured members.

Main features of the Max Bupa Corona Kavach Policy:

1. The policy offers two types of plans, the Individual and Family Floater policy.
2. The policy provides hospitalization coverage for the treatment of COVID-19 up to INR 5,00,000:
   • Room rent, nursing, and boarding charges are to be borne by the company.
   • Expenses incurred due to ICU and ICCU are included in the policy.
   • Fee payment of medical practitioners/specialists/consultants shall be done by the company.
   • Charges for road ambulance shall be covered up to INR 2000.
3. Pre-and-post hospitalization expenses for the insured members are covered for up to 15 days and 30 days respectively.
4. On being diagnosed positive with COVID-19 the insured person can avail home care treatments, the expenses of which shall be borne by the company.
5. Expenses incurred in the treatment of COVID-19 with AYUSH procedures shall be borne by the company.
6. Max Bupa Corona Kavach policy includes the coverage of medical expenses incurred due to the treatments of comorbid conditions of the insured person.
7. The policy provides an optional cover of hospital daily cash of 0.5% of the sum insured for each day of hospitalization of the insured person.
8. Max Bupa Health Insurance offers quick, cashless claim-settlement for its clients making this policy a great option.

Plan parameters for Max Bupa Corona Kavach Policy:

Entry Age	18 years to 65 years
Policy Types	Individual and Family Floater plan
Sum Insured	INR 50,000 to INR 5,00,000
Policy Terms	3 ½ months, 6 ½ months, and 9 ½ months

Max Bupa Arogya Sanjeevani Policy:

Arogya Sanjeevani policy launched by Max Bupa Health Insurance is a standard policy derived under the guidelines of IRDAI. This is a very efficient policy with affordable rates that comes with numerous benefits and quality service provided by Max Bupa Health Insurance.

Arogya Sanjeevani policy offers financial coverage over accidents, daycare treatments, alternative treatments, and much more to protect you and your family from any kind of economic crisis at the time of an emergency.

Main features of Max Bupa Arogya Sanjeevani policy:

1. This policy is offered in two different types of plans, the Individual and the Family Floater plan.
2. Under the Family Floater plan, you can insure yourself along with your spouse, parents, parents-in-law, and their dependent children.
3. Expenses incurred in the in-patient’s hospitalization:
   • The charges incurred in room rent, nursing, and boarding as specified by the hospital shall be covered up to 2% of the sum insured or to a maximum of INR 5,000 per day.
   • The charges of the Intensive Care Unit (ICU) shall be covered up to 5% of the sum insured or to a maximum of INR 10,000 per day.
4. Pre-and-post hospitalization charges are covered for up to 30 days and 60 days respectively.
5. This policy offers coverage over alternative AYUSH treatments for the insured person.
6. Expenses incurred in specific modern treatments of the insured person up to 50% of the sum insured is included in the policy.
7. Max Bupa Arogya Sanjeevani policy provides medical expenses for cataract treatment for up to 25% or INR 40,000 per eye for its policyholders.
8. This policy has a feature of mandatory co-payment of 5% of the claim amount.
9. A no-claim bonus of 5% on the sum insured is awarded for every claim-free year.
10. Under section 80D of the Income Tax Act, the policyholders can avail tax benefits if investing in the policy.
11. Max Bupa Health Insurance promises direct claim settlement and cashless facility at all network hospitals for its clients.

Plan parameters for the Max Bupa Arogya Sanjeevani Policy:

Entry Age	Adults: 18 years to 65 years Children: 3 months to 25 years
Policy Type	Individual and Family Floater Plan
Sum Insured	INR 1 Lakh to INR 5 Lakhs
Policy Term	1 year
Renewability	Lifelong

Max Bupa Senior First Policy

Max Bupa Health Insurance has a quality to care for all and so the Max Bupa Senior First policy is here to take care of the healthcare needs of our loving senior citizens in their golden period. Designed with the best features this policy will ensure your loved ones’ health is never compromised due to economic reasons.

Max Bupa Senior First policy comes with benefits like hassle-free claim settlements, regular health checkups from the first day, easy instalments, and reassurance of quality healthcare services. This policy will protect you in all emergencies and make sure your loved ones are always loved back.

Main features of the Max Bupa Senior First Policy:

1. Max Bupa Senior First policy comes in two types of plans, the gold, and the platinum plan both can be availed on either an Individual or Family Floater basis.
2. Expenses incurred in the in-patient hospitalization shall be covered up to the sum insured:
   • Room rent charges for the insured person’s hospitalization with no capping facility shall be borne by the company.
   • Charges for road ambulance service and air ambulance service up to INR 2000 and INR 2,50,000 respectively shall be covered in the policy.
3. Pre-and-post hospitalization charges shall be borne up to 60 days and 180 days respectively.
4. Expenses incurred due to all daycare treatments for the insured person shall be covered in the policy.
5. Max Bupa Senior citizen plan provides coverage over specific modern treatments up to INR 1 Lakh.
6. The policy covers the medical expenses incurred due to alternative AYUSH treatments for the insured members.
7. The policy offers a special feature by providing no sub-limits on common health conditions including cancer, joint replacement, and many more.
8. In case of unavailability of beds for the insured members, the company shall provide coverage over medical expenses incurred due to domiciliary hospitalization.
9. Medical costs of all procedures of organ transplantation of the insured person shall be borne by the company up to the sum insured.
10. Under the Platinum plan of this policy, policyholders are awarded an increment of 10%on their base sum for every claim-free year.
11. An annual health checkup facility will be available for the senior citizens from the first day of the policy, under the Platinum Plan.
12. The policy comes with a feature of mandatory co-payment of 50% of the claim amount.
13. A low waiting period of 30 days is offered in the policy.
14. Max Bupa Health Insurance promises faster and directs claim settlements for the convenience of their clients.

Plan parameters for the Max Bupa Senior First Policy:

Entry Age	61 years to 75 years
Policy Types	Individual and Family Floater plan on: GoldPlatinum
Sum Insured	Gold: INR 5 Lakhs, INR 10 Lakhs. Platinum: INR 5 Lakhs, INR 10 Lakhs, INR 15 Lakhs, INR 20 Lakhs, and INR 25 Lakhs.
Policy Terms	1 year, 2 years, and 3 years
Renewability	Lifelong
Waiting period	30 days

Max Bupa health insurance review – Buying Max Bupa Health Insurance Plans?

Max Health Insurance policies can be bought online through the company’s website or Turtlemint. The benefits of buying the plan through Turtlemint are as follows –

1. You can compare the available health insurance plans and then choose the policy with the best coverage benefits and the lowest premium rates
2. You get personalised assistance from Turtlemint’s team of experts if you have any doubts or queries when buying any health insurance plan
3. The buying process is simple and quick. You can easily and instantly buy the best health insurance policy through Turtlemint through a click of some buttons
4. Turtlemint also helps you with your health insurance claims making the process hassle-free for you

To buy online through Turtlemint, here are the steps which you should take –

1. Visit https://www.turtlemint.com/health-insurance/ and choose ‘Buy new Policy’. If you have an existing health insurance policy and you want to switch to Max Bupa Health Insurance, choose, ‘Change insurer’
2.  In the next page, you would have to provide your details so that the most suitable plan can be found. You have to enter your gender, age, members to be insured, their age, whether or not you are planning a child, history of existing illnesses, PIN code, income level and your contact details
3. Once the details are entered, you get a list of the available health insurance plans which are recommended for you
4. You can choose the sum insured, policy tenure and also optional coverage benefits that you like
5. Compare the available plans and then choose the one which is the best and also the most suitable
6. After the plan has been selected, fill up the online health insurance proposal form
7. The premium should also be paid online
8. Once the form is filled and submitted and the premium is paid, the policy would be issued within the shortest possible time

Max Bupa health insurance review – Renewing Max Bupa Health Insurance policies

Renewing an existing Max Bupa Health insurance plan is also simple as renewals can be done online. You can renew by visiting the company’s website https://www.maxbupa.com/. On the home page there is an option to ‘Renew’. You can click the option whereupon you would be taken to a new page. On the page you would have to enter your existing health insurance policy number and your date of birth. Once the details are submitted you would be shown your existing plan. You can make changes to your plan in the form of increasing the sum insured or choosing add-ons. Then you would have to pay the renewal premium online and the policy would be renewed.

Renewal of your Max health insurance policy can also be done through Turtlemint. Turtlemint allows you an easy online process to renew your existing plan. To renew, visit Turtlemint’s home page www.turtlemint.com and log into your account. Once you log into your account you can see the Max health insurance plan that you had bought. You can then renew the plan from your account by paying the renewal premium online.

Max Bupa health insurance review – Claims under Max Bupa Health insurance plans

When it comes to claims under your Max health insurance policy, there are two ways of getting your claims settled. These ways are as follows –

1. Cashless claim settlement wherein the insurance company directly settle your medical bills with the hospital 
2. Reimbursement claim settlement wherein you pay your medical bills yourself and later the insurance company reimburses you for the medical expenses that you have incurred.

The processes for both these claims are different. Here are the different claim processes for Max Bupa Health insurance plans –

Cashless claim settlement process –

1. Choose a networked hospital for treatment of your illness or injury. The list of hospitals can be found on the company’s website
2. At the time of admission, the Health Card should be produced. If you don’t have the Health Card handy, you can provide your health insurance policy number and a photo identity proof
3. After your identity is verified by the hospital, the pre-authorization form would be sent by the hospital to the insurance company
4. Max Bupa would verify the form and confirm the approval for cashless claims. The approval would be sent to the hospital as well as to you, the policyholder 
5. Once the claim is approved, you can take treatments in the hospital and the insurance company would pay the hospital bills itself

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Reimbursement claim process

1. Reimbursement claims occur when you take treatments at a non-networked hospital. In such cases, you should inform Max Bupa within 48 hours of your hospitalisation
2. You should, then, pay all the relevant medical bills which incur on your hospitalisation and treatment
3. When you are being discharged from the hospital, collect all the relevant medical bills and reports for making a claim. The Discharge Certificate should also be collected from the hospital
4. You should then fill up a claim form and send the form with all the medical reports, bills and Discharge Certificate which you collected from the hospital. You should also send your valid identity proof and age proof
5. When the insurance company receives the documents, your claim would be verified and authenticated
6. Thereafter, the insurance company would reimburse you for the medical costs that you incurred

Max Bupa Hospital Network

Max Bupa is tied up with more than 4500 hospitals across India for cashless claim settlements. To find out the list of cashless hospitals in your area, you can check the list on the company’s website. Here’s the process – 

1. Visit https://www.maxbupa.com/;and on the home page choose ‘Hospital Network’
2. Enter your State and city and the list of cashless hospitals would be displayed
3. You can check the hospitals and even search for your preferred hospital
4. You can then see which hospitals allow cashless facilities and seek treatments in those hospitals so that you get cashless claim benefits

Documents required for making health insurance claims

In either of the above-mentioned claim processes, the following documents would be required for claim settlements –

1. The claim form, duly filled and signed. You can get a claim form from the company’s website 
2. Medical reports
3. Doctor’s prescriptions diagnosing your illness and prescribing hospitalisation 
4. All the medical bills in original
5. Discharge Certificate 
6. Police FIR in case of accidental claims
7. Policy bond
8. Any other documents which the insurance company might require for settling your claims

Rather than remembering the claim process for Max health insurance policies, you can also choose an easier alternative and make your claims through Turtlemint. Turtlemint has an in-house claim settlement department which handles your claims and coordinates with the insurance company to get the settlement of your claims faster. You would just have to inform Turtlemint and Turtlemint would get the work done. To inform, call the company’s toll-free number which is 1800 266 0101 or send an email to the company’s claim department at claims@turtlemint.com. Once informed, Turtlemint would coordinate with Max Bupa and follow the necessary steps to get your claims settled at the earliest.