LETS TALK!

Let us call you back. Just share your number for a call back in less than 15 minutes

+91
We can’t proceed without your mobile number. Help us?
Sigh. We need the reason for call back to pick the right person for the job. Help us?
OR

Is it super urgent? Call us on our Toll Free numbers

BTW, we respond to email queries with lightening fast speed. Send email instead?

THANK YOU FOR CHOOSING COVERFOX!

Someone from the team will get back to you ASAP!

HAVE AN AMAZING DAY!

Oh! Just in case you still need our Toll free

1800 209 9970
Also schedule a callbackAlso send an email
THANKS!

Your Claim Assistance request has been registered with us.

We will contact you before 11am tomorrow.

If its an emergency, for immediate assistance please feel free to contact our Customer Support Unit on 1800 209 9970

Max Bupa Heartbeat Policy

Max Bupa Health Insurance

3.5/5 based on 08 User Reviews
Max Bupa Health Insurance Company Ltd. (Max Bupa) is a joint venture between Max India Limited and the UK-based healthcare services expert, Bupa. The Heartbeat Policy offers to provide a comprehensive medical coverage for individual as well as extended family covering up to 14 members. In their Family First Plan, an individual sum insured is offered for each member, and a floating sum insured to any family member.
Need Smart Advice?
Schedule a call with our experts!
Please enter your name and a valid phone number
Thanks! We will get back to you soon.

Highlights of Heartbeat Health Insurance Policy

  • The policy is available in three separate variants – Silver, Gold & Platinum
  • Discount on premium if you opt for a two-year policy term
  • Reward program on offer for the premium paid
  • No minimum or maximum age limit for the enrollment
  • Tax benefit on premium paid under Section 80D of the Income Tax Act, 1961

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

40 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 such procedures.

    Organ Donor Cover

    This benefit covers medical costs up to the sum insured for an organ donor’s treatment for the harvesting of the donated organ.

      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.

          Good to Have Benefits

          OPD Expense Cover

          Only the Platinum plan includes the OPD expenses between Rs.10,000 to Rs.40,000 depending on the sum insured.

            Daily Hospitalization Allowance

            This policy does not offer any daily hospital cash.

              Health Check-up

              Offers complimentary health check-up that covers some listed tests, ranging from annual to once in two years depending on the plan variant.

                Home Hospitalization/ Domiciliary Hospitalization

                You can avail treatment at home up up to a limit ranging between Rs.10,000 to Rs.2.5 lakh, depending on the plan variant you have opted for.

                  Non- Allopathic Treatment Expense Cover

                  This plan offers to cover for expenses related to non-allopathic treatment for Platinum plan members only.

                    Emergency Ambulance

                    This plan provides ambulance cover at actuals in the network hospital up to the sum insured.

                      Value Adds

                      Eye-cover

                      This plan does not provide coverage for eye treatment expenses.

                        Maternity Cover

                        This policy includes the costs towards Maternity ranging between Rs.20,000 up to Rs.1 lakh.

                          Dental Coverage

                          This policy does not cover any dental treatments.

                            Recovery Benefit

                            Description

                              Critical Illness Cover

                              This policy does not provide additional cover for critical illness.

                                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.

                                  LOYALTY BENEFIT

                                  This plan offers 10% discount on last paid premium or increase of 10% of sum insured up to a maximum of 50%. This benefit replaces the no-claim benefit offered in some other plans.

                                    INTERNATIONAL COVERAGE

                                    The Platinum plan offers coverage for treatment worldwide (except for USA and Canada) in the range of Rs.1.5 lakh to Rs.10 lakh for a family floater and individual coverage and Rs.5 lakh for family first coverage.

                                      NEWBORN COVER

                                      All the expenses related to the care of newborn baby are covered up to the sum insured.

                                        Terms & Conditions

                                        Room Rent / Room Category

                                        The plan has defined limits for room rents and is equal to:

                                        • 1% of sum insured for Silver Plan
                                        • No limit on room rent for Gold and Platinum variant

                                        • 1% of sum insured for Silver Plan
                                        • No limit on room rent for Gold and Platinum variant

                                          Co-Payment

                                          This plan has the option of 10% to 20% co-pay for individuals below 65 years of age. However, it is mandatory for anyone above the age of 65 years. This co-pay reduces by 5% at each renewal making it zero at the 4th renewal.

                                            Waiting Period

                                            Cooling Off Period

                                            A 90 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 48 months from the policy start date in case of Silver plan and 24 months for Gold and Platinum plans.

                                                  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 Heartbeat Health Insurance Policy

                                                  If you have a large family to cover under a single policy, Max Bupa's Heartbeat Family First plan is one to consider. With wide benefits on offer, the plan includes relevant medical expenses towards diagnostic procedures and newborn baby. At any point, if you wish to seek the medical treatment abroad, then you can consider Platinum plan.

                                                  **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.

                                                  Health Insurance Policies @ Coverfox

                                                  Schedule a call with our experts!

                                                  Please enter a valid phone number
                                                  Thanks! We will get back to you soon.

                                                  I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.

                                                  Close