UNIQUE FEATURES?

Max Bupa Heartbeat Health Insurance

Max Bupa Heart Beat is a comprehensive health insurance policy ranging from 2 Lakhs to 1 Crore. It also reimburses the medical expenses spent by a person for injuries, illness and accidents. This is one of the best plans that have more features for individuals and families.
  1. Quote Request
  2. Select Plan
  3. Enter Details
  4. Make Payment
 
 
1) Select The Coverage Type:
2) Select Coverage Amount:
3) Applicant Date Of Birth:
    OR age      years
4) Select Proposer's City :
  
   
 
  * Optional
 
 
 
 
Benefits Silver Policy Gold Policy Platinum Policy
Sum Insured 2 Lakhs & 3 Lakhs 5 Lakhs, 7.5 Lakhs, 10 Lakhs, 15 Lakhs, 20 Lakhs & 50 Lakhs 15 Lakhs, 20 Lakhs, 50 Lakhs & 1 Crore
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 accommodation Shared room or 1% of the Base Sum Insured Single Private Room Covered
Pre and Post hospitalization expenses including doctor's consultation, 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 20,000, Rs 30,000 for 2 Lakhs & 3 Lakhs respectively Covered up to Rs 40,000, Rs 45,500, Rs 50,000, Rs 55,000, Rs 65,000 & Rs 80,000 for 5 Lakhs, 7.5 Lakhs,10 Lakhs, 15 Lakhs, 20 Lakhs & 50 Lakhs respectively Covered up to Rs 60,000, Rs 75,000, Rs 1,00,000 & Rs 150,000 for 15 Lakhs, 20 Lakhs, 50 Lakhs & 1 Cr respectively
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
Domiciliary treatment Covered up to Rs 10,000, Rs 15,000 for 2 Lakhs & 3 Lakhs respectively Covered up to Rs 25,000, Rs 37,500, Rs 50,000, Rs 60,000, Rs 80,000 & Rs 200,000 for 5 Lakhs, 7.5 Lakhs,10 Lakhs, 15 Lakhs, 20 Lakhs & 50 Lakhs respectively Covered up to Rs 75,000, Rs 1,00,000, Rs 2,50,000 & Rs 400,000 for 15 Lakhs, 20 Lakhs, 50 Lakhs & 1 Cr respectively
Health Relationship Loyalty Program 10% equivalent redeemable points of the Last Paid Annual Premium 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 Premium 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 Premium 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 10,000, Rs 15,000, Rs 20,000 & Rs 40,000 for 15 Lakhs, 20 Lakhs, 50 Lakhs & 1 Crore respectively
International Medical treatment & Assistance
Emergency Medical Evacuation and Hospitalization outside India Not Applicable Not Applicable Covered up to Rs 15,000, Rs 200,000, Rs 500,000 & Rs 10,00,000 for 15 Lakhs, 20 Lakhs, 50 Lakhs & 1 Crore respectively
Specified Illness Cover for treatment abroad Not Applicable Not Applicable Covered Worldwide excluding USA and Canada
Optional benefit/feature
Annual aggregate Deductible Covered up to 1 lakh/2 lakhs/3 lakhs for 2 Lakhs & 3 Lakhs 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. Option for Individual+Spouse+Children
  2. Cashless hospitalization in 3500+ network hospitals
  3. All life threatning medical situations and accidents are covered from day one.(only in Max Bupa)
  4. All day care procedures covered after 90 days (only in Max Bupa)
  5. Get insurance cover up to 1 Crore
  6. Get 10% additional sum insured upon renewal or earn points worth 10% for your last paid premium upon renewal
  7. No medical test required upto the age 60
  8. Assured policy renewal for life
  9. Complimentary health check up on renewal (as per plan choosen)
  10. Get Maternity cover, new born baby cover from day1, vaccinations cover (as per plan choosen)
  11. OPD consultations and diagnostic tests are covered (platinum plan only)
  12. Two years plan option. Get discount on 2nd year premium
  13. Emergency Medical Evacuation and Hospitalization abroad (platinum plan only)
  14. Tax benefit under section 80D
  15. No age restriction for enrolment
  16. No underwriting at time of claim.
  17. No limit no number of claims.
  18. No waiting period for emergency hospitalisation i.e. emergency cover from day 1.
  19. No TPA, direct claim settlement by Max Bupa.
  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, Unrecognized physician or Hospital
 
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