Max Bupa

Health Insurance

Max Bupa Health Insurance

Founded in 2008, Max Bupa is one of the leading health insurance companies in India. It offers a wide range of insurance policies with sum insured upto 3 Cr. It also has premium policies that offer international coverage for some critical illness like cancer, CABG etc. Some of the policies offer unlimited restoration of sum insured and health checkups right from Day 1.

Network Hospitals - 6,500+

Max Bupa Health insurance plans

Health Companion

Health companion is one of Max Bupa's most popular product. And for good reason. It covers most bases. It's economical. It doesn't have any unsavoury conditions. And it offers a whole host of benefits that are particularly useful. The only downside - Max Bupa might just have a better product now and its called ReAssure. You might want to check that out.

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ReAssure

ReAssure is the best policy in its class. Its economical. It covers most bases. It doesn't have outrageous conditions. And it offers a whole host of benefits including unlimited restoration. Meaning every time you're hospitalized they'll restore the cover amount in full - No questions asked.

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HeartBeat Platinum

Heartbeat Platinum is a great policy. If offers comprehensive protection. Its coverage is more than adequate. It pays for regular outpatient consultations when you visit the doctor (up to a certain limit). And you can avail international treatment for certain critical illnesses like cancer. The only catch is that this policy is much more expensive than other policies in its class.

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Health Premia Gold

Health Premia Gold covers most bases. If offers comprehensive protection. Its coverage is more than adequate. And if you travel internationally often, then they'll even cover you abroad. Also, you can avail international treatments for certain critical illnesses like Cancer. The only catch is that this policy is much more expensive than other policies in its class.

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Health Pulse Classic

Health Pulse Classic is a decent policy and it's fairly economical. However, they will make you wait 4 years before they start covering pre-existing diseases (like diabetes). So do read the full draft below.

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Health Recharge Super Top-up

A Super Top Up plan that does what you expect most super top plans to do. It covers most bases, allows you to top up your cover by 95 lakhs and it is one of the most economical options out there.

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GoActive

GoActive is a decent policy with one other major selling point. It offers cover for outpatient consultations subject to certain conditions. And while you could find other policies with better features selling at a better price point, you could give it a go if you make frequent visits to a health clinic.

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HeartBeat Gold

Heartbeat Gold is a great policy. It offers comprehensive protection. Its coverage is more than adequate. It doesn't have outrageous conditions. And you can avail international treatment for certain critical illnesses like cancer. The only catch is that its much more expensive than other policies in its class.

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Health Premia Silver

Health Premia Silver is a great policy. If offers comprehensive protection. Its coverage is adequate for most use cases. And if you travel internationally often, then they'll even cover you abroad. Also, you can avail international treatments for certain critical illnesses like Cancer. The only catch is that this policy is pretty expensive compared to other policies in its class.

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Health Premia Platinum

Health Premia Platinum policy is for the Ultra rich. No, seriously. It offers a gigantic cover ranging from 1 Crore to 3 Crore. It pays for regular outpatient consultations when you visit the doctor (up to 50,000). And it does things no other policy does. It truly is one of a kind.

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Health Pulse Enhanced

Health Pulse Enhanced is a good policy. It doesn't have too many outrageous conditions and it offers a few extra benefits. However, they will make you wait 4 years before they start covering pre-existing diseases (like diabetes). So you might want to consider other alternatives.

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Max Bupa Health insurance claim process

Max Bupa Health Insurance claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Max Bupa's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:

Cashless Claims

Inform the Hospital Desk

All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization

Insurer’s decision

Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later

Discharge

If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.

Reimbursement Claims

Inform the insurance company

For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.

Hospitalization

You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.

File the claim

Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.

Insurer’s decision

Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.

Max Bupa Customer Care

1860-3010-3333

customercare@maxbupa.com

www.maxbupa.com

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