Max Bupa Health Companion Plan

Max Bupa Heartbeat is a health insurance is an insurance plan for individuals, couples and families that offers protection against numerous ailments and diseases with an easy claim procedure and a high rate of claim settlement.

Features & Benefits – Max Bupa Heartbeat

Entry Age Right from birth to 65 years
Basis Individual / Family floater
Policy Period One or Two Years; Grace period 1 month
Renewability Lifelong
Sum Assured On Individual Silver Policy 2/3 lakhs/On Individual Gold: 5/7/10/15/20/50 lakhs/On Family First Silver: 1/2/3/4/5 lakhs On Family First Gold: 1/2/3/4/5/10/15 lakhs
Premium Starts at Rs.5333 for a 2 lakh sum assured for a 25 year old male
Discount Discounts available on 2-year policy renewals
Co-Payments Those above 65 years old by opting for 10% or 20% co-pay

Pre and Post-hospitalization: 30 days before you get admitted to a hospital and 60 days after

Domiciliary treatment covered upto 20,00,000 depending on plan

Hospital Accommodation: 1% of Sum Assured or private room

Emergency ambulance

Maternity cover for upto 2 deliveries

Cover for newborn starts with birth

Organ transplant costs covered upto Sum Insured

Emergency evacuation and hospitalization and evacuation abroad ( as per terms and conditions)

Vaccination cover for newborn


Heartbeat has three variants:Silver, Gold & Platinum with following benefits

Silver: Complimentary health check ups every two years

Maternity cover upto two children upto 30,000

Gold: Accommodation in single private room

Complimentary health check ups every year

Deductible option not available

Higher hospital cash amount

Platinum: Customers can avail treatment abroad for specified illnesses

Medical evacuation and treatment abroad except US & Canada

OP benefits covering specialist consultation


Cashless approval within 4 hours in 3500 network hospitals

No TPA, direct claim-settlement

Tax exemptions under Section 80D of the Income Tax Act

Complimentary health check-up

A healthy loyalty program that promises increase in sum insured or redemption of points


Alternative Treatment

Psychiatric and Psychosomatic Conditions

OPD Treatment

Reproductive medicine - Birth control & Assisted reproduction

Sleep disorders

Hereditary conditions

Genetic Disorder

Items of personal comfort and convenience

Treatment received outside India

Unlawful Activity

Permanent Exclusions

Self-inflicted injuries

Sexual problems and gender issues

Sexually transmitted diseases

Addictive conditions and disorders

Ageing and puberty

Artificial life maintenance


Speech disorders

Treatment for developmental problems


Cosmetic surgery

Conflict and disaster

Drugs and dressings for Out-patient or take-home use

Congenital conditions


Unproven/Experimental treatment

Health hydros, nature cure, wellness clinics etc.


Dental/oral treatment

Convalescence and Rehabilitation

Unrecognized physician or Hospital

Find cashless network hospitals nearby: Max Bupa Cashless Network Hospitals

Other Health Insurance Plans from Max Bupa Health Insurance

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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