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|
|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 can reduce the premium by opting for 10% or 20% co-pay|
|Coverage||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|
|Variants||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|
|Benefits||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|
|Exclusions||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 Circumcision Speech disorders Treatment for developmental problems HIV and AIDS Cosmetic surgery Conflict and disaster Drugs and dressings for Out-patient or take-home use Congenital conditions Eyesight Unproven/Experimental treatment Health hydros, nature cure, wellness clinics etc. Obesity Dental/oral treatment Convalescence and Rehabilitation Unrecognized physician or Hospital|
Find cashless network hospitals nearby: Max Bupa Cashless Network Hospitals
Also Read: Best Health Insurance Plans of 2017
Also Read: How to File a Claim with Max Bupa?
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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.