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Max Bupa Companion Policy

Max Bupa Health Insurance

5/5 based on 28 User Reviews
Max Bupa Health Insurance Company Ltd. (Max Bupa) is born out of a strategic collaboration between Max India Limited and UK's healthcare services specialist, Bupa. This classic blend of global expertise and local experience in both healthcare and insurance gives an edge to Max Bupa when it comes to your family's health and well-being. Sometimes an unexpected illness can drain your hard earned savings, and may also force you in debts. Max Bupa's Health Companion plan is meant to tackle all such contingencies by protecting you and your loved ones with a reliable health insurance. It also shields your savings against the invasion of unforeseen medical costs.
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Highlights of Max Bupa Companion Health Insurance

  • The policy is tailor-made for Individual, Couple, Nuclear Family & Extended Family
  • Comprehensive cover up to Rs.1 Crore
  • Lifetime renewability
  • Smart Top-up options for additional coverage
  • Cashless treatments in more than 3500 network hospitals
  • 12.5% discount on second year’s renewal premium if you opt for a two-year policy tenure
  • Tax benefit on premium paid under Section 80D of the Income Tax Act

Scope of cover

Indivdual Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18 years

Maximum : No Age Bar

Number of Members Covered

Maximum Members : 6

Maximum Adults : 4

Maximum Children : 2

Sum Insured

2 - 100 lakhs


discount

For longer policy term
family discount


Policy Periods Available

1, 2 years


Pre-Policy Medical Check-up

40 yrs/10 Lacs


Family Floater Plan

Entry Age

For children : 91 days

Adults :

Minimum : 18 years

Maximum : No Age Bar

Number of Members Covered

Maximum Members : 6

Maximum Adults : 2

Maximum Children : 4

Sum Insured

2 - 100 lakhs


discount

For longer policy term
Family discount


Policy Periods Available

1, 2 years


Pre-Policy Medical Check-up

45 yrs/10 Lacs


Important Features

Day Care Treatments

Due to scientific advancement, some procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim. This plan covers all such procedures.

No-Claim Benefits

For every claim free year, you will receive a no-claim bonus that equals to 20% of your basic sum up to a maximum of 100%. This bonus amount is not affected even if you make a claim.

Organ Donor Cover

Any expenses towards an organ donor's treatment for the harvesting of the donated organ is covered up to the sum insured.

Pre Hospitalization

The insurance company will compensate you for the medical expenses related to your hospitalization 30 days before the hospitalization.

Post Hospitalization

The insurance company will pay you for the medical expenses related to your hospitalization 60 days post hospitalization.

Restore Benefits

The plan refills your sum insured if the base amount or the no claim bonus has been partially or completely exhausted. This refill is offered up to the base sum insured and is not available in Family First plan.

Good to Have Benefits

OPD Expense Cover

OPD Treatment is covered only in case of vaccinations or immunizations post an animal bite up to the limit ranging from Rs.2,500 – Rs.7,500 depending on the variant of the plan. This benefit is available only on a reimbursement basis.

Health Check-up

Depending on the plan you choose, you are offered a complimentary health check-up either once a year or once every two years.

Home Hospitalization/ Domiciliary Hospitalization

You can avail treatment at home up to the base sum insured. There are certain terms and conditions related to this privilege, and you can refer them in the policy wordings.

Non- Allopathic Treatment Expense Cover

This plan offers to cover for expenses related to non-allopathic treatment such as Ayurveda, up to a maximum limit of the base sum insured.

Emergency Ambulance

In case if you have to opt for an ambulance with regards to your hospitalization, this policy provides the reimbursement up to Rs.3,000.

Value Adds

DAILY HOSPITALIZATION ALLOWANCE

You can opt for daily cash allowance in the range of Rs.1,000 to Rs.4,000 per day. You can claim this benefit after 48 hours of hospitalization and to a maximum of 30 days of being in the hospital.

TOP UP PLAN ON ANNUAL AGGREGATE BASIS

With a choice of the deductible ranging from Rs.1 lakh to Rs.10 lakh, you can opt for a Top Up plan to increase your sum insured to boost up your overall coverage. This is to supplement your base policy.

TIERED HOSPITAL NETWORK

Cashless facility available to residents of Zone 2 customers for taking treatment in local network hospitals. For the rest, you can claim through reimbursement mode.

FREE LOOK PERIOD

For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

Terms & Conditions

Room Rent / Room Category

No limit on the room rent. The same can be opted up to a maximum of your sum insured.

Waiting Period

Cooling Off Period

A 30 days cooling off period for all claims except any arising out of accidental injuries.

Specific Illnesses

The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Hysterectomy, Myomectomy for Fibroids, and so forth.

Pre-Existing Illnesses

You can claim for any pre-existing conditions after 36 or 48 months (depending on the plan variance) from the policy start date.

Permanent Exclusions

The Plan will not cover any liabilities towards the treatments of following conditions-

  • Attempted suicide
  • Use of alcohol or drug
  • AIDS
  • Pregnancy, childbirth, miscarriage, and abortion
  • Congenital disease
  • Infertility and in vitro fertilization.
  • Hospitalization out of war, riot, strike and nuclear weapons

The detailed list of what the policy does not cover is available in the policy wording.

Review of Max Bupa Companion Health Insurance Policy

An in-depth hospitalization coverage with no room rent capping, no co-payment and refill benefit in case you exhaust your entire sum insured are few among other helpful benefits Max Bupa's Health Companion offers. They are in tie-up with more than 3500 network hospitals assuring a hassle-free and convenient way of receiving medical care. With an extensive range of coverage amount varying from Rs.2 lakh to Rs.1 crore, the plan is a value for money.

**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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