- About Coverfox
Max Bupa Health Insurance is a stand-alone health insurance company operating in the India Market. It has an extensive portfolio of products that comes to rescue all its consumers from large medical bills. Max Bupa is a joint venture between a leading Indian private equity firm, True North, and Bupa, UK’s 70-year-old healthcare services expert.
Max Bupa Health Insurance has individual health insurance, family floater, top-up cover, senior citizen health, critical illness health cover, Corona Kavach, and more such plans.
Max Bupa Health Insurance has a vast network of 4500+ hospitals for cashless treatments & 2000+ doctors for cashless OPD treatments. It also provides home pick-up service for diagnostic samples & delivery of medicines. With an in-house claim settlement team, Max Bupa claim settlement can process cashless claims within 30 minutes.
Max Bupa Health Insurance Company Ltd. is a joint venture between Max India Ltd. and Bupa, a UK-based healthcare services company. It combines two of the best global minds of the healthcare and insurance industry to create effective health insurance plans that are tailor-made to meet varied health insurance needs of individuals and families.
No. of members - The Max health insurance plan covers maximum 4 members of your family with up to 2 children and 2 adults.
Lifelong Renewal – The Max health insurance plans offered are lifelong renewable hence it saves you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation.
Pre & Post hospitalization cover - The Max health insurance plan covers medical expenses for 30 days prior to hospitalization and 60 days post hospitalization only for related medical expenses.
Pre-existing diseases - Max health insurance covers Pre-existing diseases after 4 years of waiting period.
Room-rent- There are zero or no sub-limits on room rent in Max health insurance.
Some Important Facts
|Incurred Claim Ratio||54%|
|Renewability||Lifelong||Customers||11.3 million customers|
|Customer Care Toll Free No||1800-3010-3333|
Max-Bupa health insurance has no involvement of the TPA, direct liaison with the company initiates quicker resolutions.
No age restriction for enrolment in the Max health insurance plans.
Max health insurance plans also offer Maternity and New Born Child benefits.
Claim Settlement Ratio - The incurred claim settlement ratio of Max Bupa Health Insurance for F.Y. 2018 - 19 is 54%.
Convenience of quick and easy online purchase of Max Bupa health insurance policies.
Health insurance policies offer a sum insured of a maximum of Rs. 1 crore.
Offers coverage for the entire family, including new born babies and senior citizens, through its range of individual and family floater plans.
Covers maternity related expenditures for mothers and new born babies after the completion of 2-year waiting period since the purchase of a Max Bupa HeartBeat health insurance policy.
Certain health insurance plans from Max Bupa cover pre-existing illnesses as well.
Includes lifetime renewal option.
Offers an attractive 12.5% discount on the premium amount during renewal for the second policy term.
Covers medical expenses like hospital room rent, pre and post hospitalization, OPD expense cover, organ donation, and day care.
Also includes home hospitalization and domiciliary hospitalization.
Includes Restore Benefits that enables the policyholder to refill the base annual sum insured in case it has been totally or partially exhausted. This benefit is applicable on all plans except the Family First plan.
Covers regular health check-ups once or twice annually.
Max Bupa has an extensive list of 3,500+ network hospitals in India where the insured can avail cashless facilities on being hospitalized.
Certain Max Bupa health insurance plans are designed to offer international cashless facilities for specific critical illnesses such as cancer, organ transplant, etc.
Health concerns arising from overuse of alcohol or drugs
Medical treatment required due to attempted suicide
Medical conditions and treatments related to pregnancy, miscarriage, childbirth, and abortion
Treatments related to infertility and in vitro fertilization
Hospitalization owing to injuries caused in certain situations like riot, war, terrorist activities, nuclear weapons, etc.
Health @ Companion plan offers the most basic coverage when compared to all the other plans by Max Bupa. It has option of individual or family floater coverage. There are two variants of this plan offered by Max Bupa Health Insurance. Given below are the details of coverage offered on individual or family floater basis under both the variants:
Health @ Companion - Silver
Family Floater Coverage:
Health @ Companion- Gold
If you are looking out for a health insurance plan to cover your basic hospitalization expenses then know more about Health @ Companion click here.
Heartbeat covers basic medical expenses along with offering a loyalty benefit for its customers. There are three variants under which different benefits offered. Given below are details of each variant of individual and family floater basis.
Heartbeat- Gold Policy
Heartbeat- Platinum Policy
Family Floater Coverage:
Heartbeat- Silver Plan
Family Floater Coverage:
This is a unique plan which offers coverage for critical illness, hospital cash and personal accident at 4 different range/ levels of sum assured. It is available as individual and family floater coverage. Given below are the details:
Family Floater Coverage:
In case Health Assurance provides all the benefits that you are looking out for know more about the plan, contact Coverfox.
Family First- Silver Policy Max Bupa has some very unique family floater options Family First is one such plan. There are three variants under this plan. Given below are the details of the coverage offered.
Family First- Gold Policy
Family First- Platinum Policy
If you have a big joint family and family first is suitable as per your requirement then, know more about the terms and conditions under the policy, contact Coverfox.
Employee First Health Insurance Plan This is group health insurance plan suitable for business owners seeking health insurance policies for their employees. Given below are the details of coverage offered.
If you want to buy health insurance plan for your employees you might want to know all the terms and conditions under the policy please contact us for any details.
Employee First Classic Health Insurance Plan This group health insurance policy is for employers who wish to cover entire family of their employees. The benefits under this policy are given below:
In case group family floater policy for employees was something that you were looking for know more about the coverage offered, contact Coverfox.
Group Personal Accident This is personal accident disability plan which offers compensation to entire group in case of an accident related death or disability. Given below are details of coverage offered:
Before buying this policy for entire group know more about the terms and conditions, contact Coverfox.
Bupa Health Insurance, India offers two ways to make claim under its Max Health Insurance plans: on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of Max Bupa health insurance company servicing policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization.
Max Bupa Health Insurance plans has a well-defined claim processing system.
Cashless Service: Seeking Pre-Authorization
Reimbursement Claim: Claim Submission
In case of any emergencies, you need to inform Max Bupa within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization. The claim intimation can be done via Max Bupa's toll-free number 1800-3010-3333. The same could also be emailed to email@example.com .
Note: If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.
Max Bupa’s health insurance premium calculator generates the estimate for the premium you will have to pay, based on your chosen sum insured, unique needs and add-on riders that you may have selected. For instance, premium for an individual health insurance plan from Max Bupa health insurance will be lower than that of a family insurance plan.
Accessible on the insurance company’s website, all you need to do to check your premium eligibility is select your preferred health insurance plan from Max Bupa, choose the sum insured, followed by entering a few personal details like name, phone number, email ID, date of birth, city, etc. In case you are planning to opt for co-pay, you can get a clear idea about the percentage that you have to pay towards the total premium amount.
There are many reasons why you should buy health insurance. Whether you are rich or poor, young or old, or have been diagnosed with a disease that needs hospitalization - insurance plans of health are necessary to have. Here we will discuss why it is important to buy health insurance from Max Bupa.
Max Bupa health insurance offers the flexibility of offline as well as online renewal facility. For offline renewal, you can visit any branch of Max Bupa health insurance to initiate the renewal process. If you prefer to renew it online, you can visit the company’s official website and click on the ‘Renew’ button and then pay online to complete the renewal procedure.
If you are looking to invest in a plan that has no age restrictions, no sub-limits on room rent, offers a decent No Claim Bonus up to 100% and Maternity and New Born Child benefits, Max Bupa is one of the top 5 picks. With no involvement of TPA, they claim to have a quicker resolution process including claims handling. The Max Bupa health insurance renewal is for life long. However, if you do not appreciate the element of co-payment, you may get disappointed. Overall, Bupa Health Insurance is one of the top players in India's health insurance market and its Max Bupa Mediclaim policy is worth considering if you are looking for a health insurance.
Why it is important to buy Max Bupa health insurance policies?
Max Bupa Health Insurance policies offer loads of features and benefits to fulfil your requirement. Let’s now have a look why you should buy a health insurance policy from Max Bupa:
How to apply for Max Bupa health insurance policies?
You can buy Max Bupa Health Insurance policies through different channels:
Renewal process of Max Bupa health insurance?
The health insurance renewal process is very simple. Mentioned below are the steps:
Can I Apply for Max Bupa Health Insurance Plans Online?
Yes, Max Bupa’s health insurance plans can be bought online. The following are the different modes of applying for Max Bupa Health Insurance Plan online:
What is the difference between a network and non-network hospital?
A network hospital refers to a hospital that Max Bupa Health Insurance has collaborated with for hospitalization and medical treatments. Max Bupa Health Insurance policyholders can avail cashless facilities on being hospitalized in a network hospital.
In contrast, non-network hospitals are those that are not a part of the list of network hospitals and, therefore, policyholders are not eligible for cashless benefits on hospitalization or medical treatments.
Can a non-Indian individual purchase Max Bupa Health Insurance policy?
Foreigners living in India can be covered under Max Bupa’s health insurance policy. The coverage, however, will be applicable within the country only.
What does Max Bupa Health Insurance consider a pre-existing illness or condition?
Any medical ailment or condition that has been diagnosed or treated before buying a Max Bupa health insurance policy is termed as a pre-existing disease by the insurance company.