Max Bupa Health Assurance Critical Illness Plan
Max Bupa Health Insurance
Max Bupa is a joint venture between Max India, an Indian healthcare specialist, and Bupa, a UK based healthcare company. The company commenced operations in 2008 and offers wide range of plans best suited for individuals. The experience of the two partners in healthcare sector adds value and makes Max Bupa a specialist for health insurance products.
Contact Details
Toll Free Number- 1800-3010-3333
E-Mail - customercare@maxbupa.com
Product Overview of Max Bupa Health Assurance Critical Illness Plan
Max Bupa Health Assurance Plan is a critical illness benefit policy, which will pay a lump sum amount on the diagnosis of the covered illness of specified severity post the initial waiting & survival period.
Unique Features of Max Bupa Health Assurance Critical Illness Plan
20 major Critical illness covered.
Pre- existing diseases are covered after 4 Yrs
Eligibility Criteria for Max Bupa Health Assurance Critical Illness Plan
| Eligibility Criteria | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Age Criteria | Min Entry Age: 18 Years Max Entry Age: 65 Years Dependent Children: PA Cover - Min Entry Age: 5 Years to 21 Max Entry Years Hospital Cash - Min Entry Age 2 Years to Max Entry Age 21 Years |
|||||||||
| Renewal Age | Life Long Renewal | |||||||||
| Coverage for Individual & Family Basis | Individual - For Self, Spouse, Dependent Children | |||||||||
| Sum Insured | Rs. 3 Lacs, Rs. 5 Lacs, Rs. 7.50 Lacs to Rs. 10 Lacs | |||||||||
| Policy Tenure | 1 Year and 2 years | |||||||||
Product Benefits of Max Bupa Health Assurance Critical Illness Plan
| Critical Feaures | |||||
|---|---|---|---|---|---|
| No Of Covered Disease | 20 | ||||
| Initial Survival Period | 30 | ||||
| Initial Waiting Period | 90 Days | ||||
| Coverage For PED | Yes -4 Years | ||||
| Second Opinion | Not Covered | ||||
| Other Features | |||||
|---|---|---|---|---|---|
| Sum insured Range | Rs. 3 Lacs to Rs. 10 Lacs | ||||
| Type of Coverage | Individual and Family Floater | ||||
| Annual Health Check Up | Not Covered | ||||
Waiting Period for Max Bupa Health Assurance Critical Illness Plan
Initial Waiting period - This implies that the insured is not covered for the 20 diseases under this policy for the first 90 days
of the policy coming into existence. The waiting period is not applicable on subsequent renewals
Pre-existing Diseases - Any pre-existing condition will be covered after a waiting period of 48 months
of the policy coming into existence. The waiting period is not applicable on subsequent renewals
Pre-existing Diseases - Any pre-existing condition will be covered after a waiting period of 48 months
Survival Period for Max Bupa Health Assurance Critical Illness Plan
The survival period is the length of time, the insured, must survive after he has been diagnosed with a covered critical illness
30 Days
20 Critical Illnesses covered
30 days survival period from the date of confirmed diagnosis with defined severity/ date of actual undergoing of the procedure
1.Cancer of Specified Severity
2.First Heart Attack of Specified Severity
3.Open Chest CABG
4.Open Heart Replacement or Repair of Heart Valves
5.Coma of Specified Severity
6.Kidney Failure Requiring Regular Dialysis
7.Stroke Resulting in Permanent Symptoms
8.Major Organ/Bone Marrow Transplant
9.Permanent Paralysis of Limbs
10.Motor Neurone Disease with Permanent Symptoms
11.Multiple Sclerosis Persisting Symptoms
12.Aplastic Anaemia
13.Bacterial Meningitis
14.Loss of Speech
15.End Stage Liver Disease
16.Deafness
17.End-stage Lung Disease
18.Fulminant Viral Hepatitis
19.Major Burns
20.Muscular Dystrophy
2.First Heart Attack of Specified Severity
3.Open Chest CABG
4.Open Heart Replacement or Repair of Heart Valves
5.Coma of Specified Severity
6.Kidney Failure Requiring Regular Dialysis
7.Stroke Resulting in Permanent Symptoms
8.Major Organ/Bone Marrow Transplant
9.Permanent Paralysis of Limbs
10.Motor Neurone Disease with Permanent Symptoms
11.Multiple Sclerosis Persisting Symptoms
12.Aplastic Anaemia
13.Bacterial Meningitis
14.Loss of Speech
15.End Stage Liver Disease
16.Deafness
17.End-stage Lung Disease
18.Fulminant Viral Hepatitis
19.Major Burns
20.Muscular Dystrophy
Exclusion in Max Bupa Health Assurance Critical Illness Plan
- Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV)
- The Insured, whether sane or insane, attempts suicide or any self-inflicted injuries
- Any Congenital Anomaly or inherited disorder or developmental conditions of the Insured
- Narcotics used by the Insured Person unless taken as prescribed by a registered doctor, or the Insured Person?s abuse of drugs and/or consumption of alcohol
- Failure to seek or follow Medical Advice
- War (whether war be declared or not), invasion, act of foreign enemy, hostilities, armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes
- Taking part in any naval, military or air force operation during peace time
- Participation by the Insured Person in a criminal or a breach of law with criminal intent
Add-ons for Max Bupa Health Assurance Critical Illness Plan
- Hospital Cash Cover - From Rs. 1000 to Rs. 4000/day
- Personal Accident cover - Rs. 5 Lacs to Rs. 25 Lacs
Additional Discounts in Max Bupa Health Assurance Critical Illness Plan
- 5 % discount if all the three covers opted
Tax Benefits of Max Bupa Health Assurance Critical Illness Plan
Tax benefits for the premium paid under Section 80D of the Income Tax Act.