Max Bupa

Max Bupa

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.

What's good here?

special mention
🎉Special Mention

Doctor consultations covered

In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs, up to a certain limit. In this case, it’s ₹2,000 annually with a cap on each visit — ₹500 per consultation.

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co_pay

You most likely don't have to split the bill

The insurer will bear the entire cost of treatment (up to the sum insured) unless you explicitly opted to pay a portion of the bill. And if you’ve opted to co-pay a part of the bill, have you thought through it completely?

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disease_sublimit

You always have full cover irrespective of the disease

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

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restoration

Some Restoration Benefit

Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.

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health_checkup

Free Health Checkups every year

If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.

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ayush

Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

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room_rent

You can pick any room so long as it’s not a Suite

Shared rooms are okay. Single private rooms are okay. Most rooms are okay unless it’s a suite room — the expensive stuff. Then you’ll have to start splitting the bill.

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pre_post

Pre & post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 90 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.

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day_care

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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domiciallary

Full coverage even if you are forced to hospitalize at home

The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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What's okay here?

ped

Reasonable waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.

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What's lacking here?

ncb

No Bonus for being healthy and not claiming insurance

Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.

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