Max Bupa Heart Beat Family First Plan

Product Overview of Max Bupa Heart Beat Family First Plan

Max Bupa Heart Family First 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 Heart Beat Family First Plan

• Maternity benefits covered after 2 years
• All day care procedure are covered
• Annual Health check ups in Gold and Platinum Plan
• Worldwide Emergency Cover in Platinum Plan
• Pre Existing Disease is covered after 2 years in Gold and Platinum Plan
• Organ Specific Disease are covered after 90 days(Except age 60 years and above)

Features of edit Edit Details

Critical features of Max Bupa Heart Beat Family First Plan

• Room rent:
  Limits imposed towards room and ICU rent expenses

1. Silver Plan-Rs 3000/- or Shared room
2. Gold Plan-Single Private Room
3. Platinum Plan- Covered up to Sum Insured

• 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
  This plan does not have claim bonus benefits however is case of no claim Loyalty benefits are provided 10% discount on last paid premium or increase of 10% of sum insured Max-of 50%
• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured

1. 10% to 20% copay below 65 years of years(Compulsory copay above 65 years of age
2. Compulsory copay reduces by 5% each after renewal by 4th renewal copay will be nil.

• 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

1. Silver Plan has a waiting period of 4 years is case of pre-existing diseases
2. Gold and Platinum has a waiting period of 2 years is case of pre-existing diseases
3. Maternity has waiting period of 2 years(max 2 deliveries)

Eligibility Criteria

• Minimum Age of Entry:- No Limit
• Maximum age of Entry:- Maximum dependent Age 21 years/No Limit
• Renewal Age:- Life Long Renewal
• Sum Insured:-
  Silver Plan-(Individual -1 Lacs to 5 Lacs)+(Floater-3 Lacs to 15 Lacs)
  Gold Plan-(Individual -1 Lacs to 15 Lacs)+(Floater-3 Lacs to 50 Lacs)
  Platinum Plan-(Individual -5 Lacs to 15 Lacs)+(Floater-15 Lacs to 50 Lacs)
• Policy Tenure:- 1 & 2 yrs 
• Premium Calculated on Basis of:- Age,Zone (i.e. sum Insured Chosen)

Additional discounts

Discount for multi-year polices - 12.5% discount for opting 2 years policy tenure

Exclusions

• Addictive conditions and disorders
• Ageing and puberty
• Artificial life maintenance
• 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

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

Know Claim Process