Max Bupa Health Companion Family Floater Plan
Product Overview
Max Bupa Health Companion Family Floater Insurance Plan is a hospitalization policy, which covers inpatient treatment for a minimum period of 24hrs, along with other benefits like day care treatments, Ayurvedic treatment, etc.
Unique Features of Max Bupa Health Companion Family Floater Plan
- Restore benefits up to Sum Insured
- Annual Health Check ups in Varaint-2 & 3.
- Pre Existing Disease is covered after 3 years in Varaint-2 & 3.
- All day care procedure are covered
- No Claim Bonus up to 100% of Sum Insured
- Vaccination in case of animal bite are covered
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Critical features of Max Bupa Health Companion Family Floater Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
This Plan does not have sum limit on Room rent - No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
20% of basic sum insured up to a maximum of 100 % for each unclaimed year in case opted for (The cumulative bonus will not reduced once a claim is made) - Co-Pay:
Specific % of admissible claim amount to be borne by Insured
20% Copayment opting treatment in other Zone - Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
- Variants 1 has a waiting period of 4 years is case of pre-existing diseases
- Variants 2 and 3 has a waiting period of 3 years is case of pre-existing diseases
Eligibility Criteria
- Minimum Age of Entry:- Children-91 days to 21 years/Adults-18 years
- Maximum age of Entry:- No Limit
- Renewal Age:- Life Long Renwal
- Sum Insured:-
(Variant 1- Rs 2 Lacs to 4 Lacs) (Voluntary Deductible Options-1 Lacs to 10 Lacs)
(Variant 2- Rs 5 Lacs to 12.5 Lacs) (Voluntary Deductible Options-1 Lacs to 10 Lacs)
(Variant 3- Rs 15 Lacs to 1 Crore) (Voluntary Deductible Options-1 Lacs to 10 Lacs) - Policy Tenure:- 1 & 2yrs
- Premium Calculated on Basis of:- Age,Zone (i.e. sum Insured Choosen)
Add-ons
| Add-On | Description | |||||||
|---|---|---|---|---|---|---|---|---|
| Top-up Cover | Option to choose a Top-up Cover on Aggregate basis. | |||||||
| Treatment only in a tiered network hospital | There are 2 zones under this plan. Customer has the option to choose from which zone he needs to get the treatment. Zone 1: Delhi/NCR, Mumbai (including Thane and Navi Mumbai), Bengaluru, Chennai, Surat, Pune, Hyderabad, Kolkata, Ahmedabad Zone 2: Rest of India If you reside at any location in India outside Zone 1, you get to choose from a tiered network of cities. This provides you with: Cashless facility in Zone 2 cities. Reimbursement facility in Zone 1 cities with 20% co-payment. Customer opting for such facility will get 10% discount on their premium. |
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| Hospital Cash | Min 24hrs of hospitalization required. Max. coverage for 30 days/ policy year. Payment made from day one subject to a hospitalization claim being admissible. | |||||||
Additional discounts
Discount for multi-year polices-12.5% discount for opting 2yr policy tenure
Exclusions
- Addictive conditions and disorders
- Ageing and puberty
- Artificial life maintenance
- Active participation in adventure or hazardous sports including but not limited to para-jumping, rock climbing, mountaineering, motor racing, horse racing or deep-sea diving
- Circumcision
- Dental/oral treatment
- Conflict and disaster
- Congenital conditions
- Convalescence and Rehabilitation
- Cosmetic surgery
- Drugs and dressings for Out-patient or take-home use
- Eyesight
- Unproven/Experimental treatment
- Health hydros, nature cures, wellness clinics etc.
- HIV and AIDS
- Obesity
- Hereditary conditions
- Genetic Disorder
- Items of personal comfort and convenience
- Alternative Treatment
- Psychiatric and Psychosomatic Conditions
- OPD Treatment
- Reproductive medicine - Birth control & Assisted reproduction
- Self-inflicted injuries
- Sexual problems and gender issues
- Sexually transmitted diseases
- Unrecognized physician or Hospital
- Sleep disorders
- Speech disorders
- Treatment for developmental problems
- Treatment received outside India
- Unlawful Activity
Note:- Any claims arising out of or attributable to any of the following is not covered
Tax Benefits
The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
