UNIQUE FEATURES?

Max Bupa Heartbeat Insurance for Family First

This is an Heart beat Health Insurance plan, designed for Indian joint families. You can get coverage for up to 14 relationships with individual sum insured for each member plus a floater sum insured that can be used by any of the family members.
 
 
No. of Family Members:
Select Coverage Amount:
Applicant Date Of Birth:
    OR age      years
Policy Start Date
Policy End Date
4) Select Proposer's City :
 
 

*Optional
 
 
 
Benefits Silver Policy Gold Policy Platinum Policy
Sum Insured Individual Base Sum Insured: 1 Lakh, 2 Lakhs, 3 Lakhs, 4 Lakhs & 5 Lakhs per Insured Person
Floater Base Sum Insured: 3 Lakhs, 4 Lakhs, 5 Lakhs, 10 Lakhs & 15 Lakhs.
Individual Base Sum Insured: 5 Lakhs, 10 Lakhs & 15 Lakhs per Insured Person
Floater Base Sum Insured: 15 Lakhs, 20 Lakhs, 30 Lakhs & 50 Lakhs.
Individual Base Sum Insured: 1 Lakh, 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs, 10 Lakhs & 15 Lakhs per Insured Person
Floater Base Sum Insured: 3 Lakhs, 4 Lakhs, 5 Lakhs, 10 Lakhs, 15 Lakhs, 20 Lakhs, 30 Lakhs & 50 Lakhs.
In-patient treatment
Medical Practitioner's fees Covered Covered Covered
Diagnostic procedures Covered Covered Covered
Medicines, drugs and consumables Covered Covered Covered
Intravenous fluids, blood transfusion, injection Covered Covered Covered
The cost of prosthetics and other devices or equipment if implanted internally during a Surgical Operation Covered Covered Covered
Intensive Care Unit Charges Covered Covered Covered
Hospital accomodation Rs 30,000 or Shared room Single Private Room Covered
Pre and Post hospitalization expenses including doctor's consulation, diagnostics tests, intravenous fluid, blood transfusion, medicines, drugs and consumables. Covered up to 15% of Base Sum Insured Covered up to 20% of Base Sum Insured Covered
All day care treatment Covered Covered Covered
Maternity Cover for up to 2 deliveries
Maternity Cover for up to 2 deliveries Covered up to Rs 25,000 per Policy Year Covered up to Rs 50,000 per Policy Year Covered up to Rs 1,00,000 per Policy Year
New Born Baby Cover until the end of current policy year Covered Covered Covered
Vaccinations for children up to 12 years and nutrition and diet consulting Covered Covered Covered
Further benefits
Health check up at the time of renewal Once in 2 years Annual Annual tests
Organ transplant when medically necessary Covered Covered Covered
Emergency ambulance Covered at actual costs in Network Hospitals up to Sum Insured Covered at actual costs in Network Hospitals up to Sum Insured Covered at actual cost in Network Hospitals up to Sum Insured
Domicialiary treatment Covered up to Rs 15,000 Covered up to Rs 37,500 Covered up to Rs 2,50,000
Health Relationship Loyalty Program 10% equivalent redeemable points of the Last Paid Annual Premeium OR Additional 10% sum insured of expiring Base sum insured up to a maximum of 50% of base sum insured 10% equivalent redeemable points of the Last Paid Annual Premeium OR Additional 10% sum insured of expiring Base sum insured up to a maximum of 50% of base sum insured 10% of the Last Paid Premeium OR Additional 10% base sum insured up to at any time maximum of 50% of base sum insured
OPD benefits
Outpatient benefits covering specialist consultation and costs of diagnostics tests prescribed by them Not Applicable Not Applicable Covered up to Rs 30,000
International Medical treatment & Assistance
Emergency Medical Evacuation and Hospitalization outside India Not Applicable Not Applicable Covered up to Rs 2,00,000 for individual Base Sum Insured of 5 lakhs, Rs 3,00,000 for Individual Base Sum Insured of 10 lakhs and up to Rs 5,00,000 for Individual Base Sum Insured of 15 lakhs
Specified Illness Cover for treatment abroad Not Applicable Not Applicable Covered Worldwide excluding USA and Canada
Optional benefit/feature
Annual aggregate Deductible Not Applicable Not Applicable Not Applicable
Co-payment for insured less than 65 year old Options of 10% and 20% co-payment Options of 10% and 20% co-payment Options of 10% and 20% co-payment
  1. Other than accidental injury/emergency, all other treatments are not covered during the first 90 days. For persons above 60 years of age some conditions will be subject to a waiting period of 24 months and will be covered after two years of continuous renewal.
  2. Pre - existing conditions are covered after a waiting period of 4 years
  3. Coverage for expenses occurring from treatment of HIV or AIDS and related diseases
  4. Treatments for congenital diseases, mental disorder or insanity, cosmetic surgery and weight control.
  5. Coverage for Non Allopathic treatments
  6. Coverage for expenses arising from abuse of intoxicant or hallucinogenic substances like alcohol and drugs
  7. Hospitalization due to events like war, damage caused from nuclear, chemical or biological weapons and any kind of harmful radiations
  8. Items of personal comfort and convenience.
  9. Co - pay: If a person is above 65 years of age, 80% of hospital expenses have been paid by max - bupa and remaining 20% customer has to pay.
  10. Experimental, investigative and unproven treatment devices, Psychiatric and Psychosomatic Conditions , Reproductive medicine - Birth control & Assisted reproduction, Self - inflicted injuries, Sexual problems and gender issues, Sexually transmitted diseases, Sleep disorders, Speech disorders, Treatment for developmental problems, Treatment received outside India, Unlawful Activity, Unrecognised physician or Hospital
 
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