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Main Highlight of the plan

  • The family first plan option of this planoffers both individual and family floater coverage in the single policy.
  • The plan has an option to opt for voluntary deductible.
  • The plan has geographical pricing.

Scope of cover


Entry Age

Maximum Number of Members

Sum Insured Range

Premium Discount

Individual Plan

Children- between age 3 months to 21 years

Adults- above age- 18 years


INR 2,00,000 to INR 1,00,00,000


Family Floater Plan

Children- between age 3 months to 21 years

Adults- above age- 18 years

Maximum Adults-2

Maximum Children - 4

INR 2,00,000 to INR 1,00,00,000

All the members are covered under single premium.

Family First Plan

Children- between age 3 months to 21 years

Adults- above age- 18 years

19 relations

For individual cover- INR 1,00,000 to INR 10,00,000

For family cover- INR 3,00,000 to INR 20,00,000

All the members are covered on an individual and floater basis under single premium.

The distribution of sum insured for the variants is as follows:


Sum insured

Voluntary Deductible Options

Variant 1

INR 2,00,000 to INR 4,00,000

INR 1,00,000 to INR 10,00,000

Variant 2

INR 5,00,000 to INR 12,50,000

Variant 3

INR 15,00,000 to INR 1,00,00,000

Note: In case of a family first plan this plan offers both individual and family floater coverage. For this plan one can choose a separate individual and family floater cover.

Coverage: Benefits & Features

Most Important


This plan does not have any limit on room expenses.


This plan has zone related co-pay of 20 % if an individual in zone 2 opting for treatment in zone 1.


In this plan no-claim bonus equal to 20% of basic sum insured up to a maximum of 100% is available for each unclaimed year.
Note: The bonus amount is not reduced after any claim.


This does not have any sub-limits.


This plan has a voluntary deductible option in the range of INR 1,00,000 to INR 10,00,000.

Good to have


This plan covers 30 days of pre hospitalization and 60 days of post hospitalization.


It offers restore benefit equal to 100% of the sum insured. For this restore to get activated,
  • The entire sum insured including the bonus amount (if any) should be partially or completely exhausted.
  • The claims should be for unrelated ailments or for different family member.
  • Note: Restore benefit is not applicable for family first plans.


This plan offers health check-up benefit once every 2 years for Variant 1. However, for Variant 2 and Variant 3 health check-up benefit is offered every year.

Value Adds


This plan provides coverage for ambulance expenses up to INR 3000 per hospitalization.


This plan does not provide coverage for eye treatment expenses.


This plan covers domiciliary hospitalization up to sum insured after 3 days of continuous hospitalization.


This plan covers for vaccination expenses in case of animal bite in the range of INR 2,500 to INR 5,000 depending on the variant and plan opted.


This plan does not have additional coverage for critical illnesses.


This plan offers coverage for in-patient Ayurveda, Unani, Sidha and Homeopathy treatment cover up to sum insured.
  • Note: The above mentioned treatments should be with government hospital, hospital or institute recognized by government or accredited by Quality Council of India/ National Accreditation board on health.


This plan does not covers dental expenses.


This plan has an option to opt for daily cash allowance in the range of INR 1000 to INR 4000 per day is applicable. This benefit is applicable after 48 hours of hospitalization and for a maximum of 30 days.


This plan covers hospitalization expenses related to organ donor in case of organ transplant.
  • Note: This does not include screening or pre and post hospitalization expense.


This plan does not provide convalescence benefit.


This plan does not cover maternity expenses.


A cooling off period of 30 days is applicable on buying a policy for the first year. No claims (other than claims related to an accident) can be made in this cooling off period. There is no cooling off period applicable on renewal of this health insurance policy.
Waiting period of 2 year is applicable for some specific ailment. Refer to the policy wordings for the list of these specified ailments.
Waiting period of 4 years in case of Variant 1 and 3 years in case of Variant 2 and Variant 3 and Family first is applicable for pre-existing diseases.


Cosmetic surgery, Lasik eye treatments, drugs or alcohol abuse, genetic disorders, self-inflicted injuries, war related injuries, etc. are some of the exclusions. For the detailed list of please refer the policy document.

Coverfox Review

Max Bupa Health Companion has nailed it with the best combination ever in all sum insured categories.

It has all the desirable features like No Room Rent limit, Covers All Day Care Procedures, No Claim Bonus of 100% in 5 years, Refill benefit (that works even when the sum insured has not exhausted) and No Copay. For a young nuclear family of 4, the product is also priced reasonably. To top it, if you take a cover of 5 Lakhs or above, all adult members are entitled to a free annual medical checkup every year.

Worth considering.

"Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings."

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