UNIQUE FEATURES?

Max Bupa Health Companion Family First Insurance

Health Companion Family first plan is designed for joint families. It covers upto 19 relationships in your family. With this plan your family is covered at two levels:
  1. Individual sum insured - Provides coverage for an individual sum insured upto 10 lakhs for each members of the family.
  2. Floater sum insured - Provides coverage upto 20 lakhs for all family members and can be used by any member once his/her individual sum insured is exhausted.
Health Companion Family first plan is the most affordable family plan in the market.
 
 
 
Family First - Variant (1)(2) Family First Plan
Sum Insured (Rs.) 1. Individual Base Sum Insured:
1, 2, 3, 4, 5 & 10 lakhs per Insured Person
2. Floater Base Sum Insured (available on a floating basis over individual cover):
3, 4, 5, 10, 15 & 20 lakhs.
IN - PATIENT TREATMENT
Diagnostic procedures Covered up to Sum Insured
Medicines, drugs and consumables Covered up to Sum Insured
Doctors - fees Covered up to Sum Insured
Intravenous fluids, blood transfusion, injection administration charges Covered up to Sum Insured
Operation Theatre charges Covered up to Sum Insured
The cost of prosthetics and other devices or equipment if implanted internally during a Surgical Operation Covered up to Sum Insured
Intensive Care Unit Charges Covered up to Sum Insured
Hospital Accommodation Covered up to Sum Insured
Pre and Post hospitalization Medical Expenses Covered up to Sum Insured
DayCare Procedures Covered up to Sum Insured
Health Check-up Annual
Organ Donor Covered up to Sum Insured
Emergency ambulance Covered upto Rs.3000
Domiciliary Hospitalization Covered up to Sum Insured
Vaccination (in case of Animal Bite) (3) Upto Rs.5,000
Ayush Treatment (4) Covered up to Sum Insured
No Claim Bonus Additional 20% of individual base sum insured upto maximum of 100% of individual base Sum Insured
CUSTOMER LEVEL ENDORSEMENT
Top-up plan on annual aggregate basis Deductible of Rs.1,2,3,4,5 & 10 lakhs
Treatment only in Tiered Network (5) Option available to Zone 2 customers
Hospital Cash (6) Rs.1,000/day or Rs.2,000/day
 
Notes:
(1) Baseline cover includes a 36 months waiting period for pre-existing conditions, a 2 year waiting period for specific diseases/conditions & a 30 day Initial waiting period from inception. Entry age for adults is 18 years onwards and from 91 days to 21 years for children. New born children can be added to existing policies at renewal.
(2) No co-payment for insured of any age.
(3) Vaccination for Animal Bite (Post Bite Treatment) - OPD Benefit upto defined limit as part of overall limit.
(4) AYUSH Treatment - Inpatient Treatment taken up in authorized Government Hospitals.
(5) Tiered Network - Zone 2 customers can avail cashless treatment in Max BUPA's network hospitals in Zone 2 locations. Customers can also avail treatment (reimbursement basis) in Zone 1 hospitals with 20% co-payment. Customer opting for this option will get a 10% discount.
(6) Hospital Cash - Minimum 48 hrs of continuous hospitalization required. Maximum coverage offered for 30 days/policy year. Payment made from day one subject to hospitalization claim being admissible.
  1. In-patient treatment - (Up to Sum Insured)
    • Medical practitioners fees, Diagnostics tests, Medicines, Drugs and Consumables, Nursing charges, Intravenous fluids, Blood transfusion, Injection administration charges, Operation theatre charges, The cost of prosthetics and other devices or equipment if implanted internally during a Surgical procedure,Intensive Care Unit charges
  2. Hospital Accommodation
    • Reasonable and customary charges for hospital accommodation upto Sum Insured
  3. Pre & Post Hospitalization Expenses - (Up to Sum Insured)
    • Reimbursement of claim amount, 30 days for pre-hospitalization and 60 days for post-hospitalization
  4. All Day-care Procedures – (Up to Sum Insured)
    • Including Chemotherapy, Radiotherapy, Hemodialysis, or any procedure which needs a period of specialized observation or care after completion of the procedure
  5. Organ donor
    • Expenses for an organ donor’s treatment for the harvesting of the organ donated covered upto Sum Insured
  6. Emergency Ambulance
    • Covered upto Rs. 3,000 per hospitalization for all hospitalization (network/non-network)
  7. Domiciliary Treatment
    • Covered upto Sum Insured
  8. Free Heath Check-ups
    • Once in 2 years for 4 lakh coverage, once a year for others. Insured Person whos age is of 18 years at the time of Renewal shall be eligible for a health check-up.
  9. No Claim Bonus
    • 20% increase on the expiring Base Sum Insured up to a maximum of 100% of the Base Sum Insured of that Policy Year. NCB once accrued does not get reduced in case of claim
  10. Refill Benefit for New Illness (Individual/Family Floater Only)
    • If the base sum insured and No Claim Bonus is partially or completely exhausted (in case of Individual and Floater),We will provide Refill Sum Insured upto 100% of Base Sum Insured.
  11. Vaccination and Immunization Post an Animal Bite
  12. AYUSH Benefit
    • Reimbursement of medical expenses for alternative treatment taken under AYUSH provided the treatment has been undergone in a government hospital or in any institute recognized by government and/or accredited by Quality Council of India/National Accreditation Board on Health(Ayurvedic, Homeopathic, Sidda & Unani)
  13. No Copayment
    • No Mandatory or Optional Co-payment for any age
  14. High Deductible Top-up Option Discount
    • Customers can opt to start utilizing MAX Bupa Cover after exhausting their existing over with other company.
  15. Option Available with 10% Discount.
  16. Hospital Cash Option
    • Optional
  17. Discount for 2 year Policy
    • 12.5% on 2nd year premium
  18. Disease Based Risk Loading
    • Newly introduced
  19. Waiting Periods And Exclusions
    • 30 days waiting period except accidents. 48m Pre-Existing Disease in Variant 1(upto 4 lac),36m PED in Variant 2, 3 & Family First
  20. Pricing
    • Best In the Industry.
    • Cashless facility is available across quality hospitals in our network.
  1. Addictive conditions and disorders
  2. Ageing and puberty
  3. Artificial life maintenance
  4. Circumcision
  5. Conflict and disaster
  6. Congenital conditions
  7. Convalescence and Rehabilitation
  8. Cosmetic surgery
  9. Dental/oral treatment
  10. Drugs and dressings for OPD Treatment or take-home use
  11. Eyesight
  12. Unproven/Experimental treatment
  13. Health hydros, nature cure, wellness clinics etc
  14. HIV and AIDS
  15. Hereditary conditions
  16. Alternative treatment
  17. Psychiatric and Psychosomatic Conditions
  18. Obesity
  19. OPD Treatment
  20. Reproductive medicine - Birth control & Assisted reproduction
  21. Self-inflicted injuries
  22. Sexual problems and gender issues
  23. Sexually transmitted diseases
  24. Sleep disorders
  25. Speech disorders
  26. Treatment for developmental problems
  27. Treatment received outside India
  28. Unrecognized physician or Hospital
  29. Unlawful Activity
  30. Policy will not cover any treatment during the first 30 days unless the treatment needed is a result of an accident.
  31. Pre-existing disease for a sum-insured upto 4 lakhs will be covered after 48 months and for 5 lakhs onwards pre-existing condition will cover after 36 months.
 
Insurance is the subject matter of solicitation.