Max Bupa Heart Beat Individual Plan
Product Overview
Max Bupa Heart Individual 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 Individual 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)
OneInsure App Benefits
Critical features of Max Bupa Heart Beat Individual Plan
Room rent:
Limits imposed towards room and ICU rent expenses
- Silver Plan has 1% of the sum insured for Room rent
- Gold Plan-Single Private Room
- 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
- 10% to 20% copay below 65 years of years(Compulsory copay above 65 years of age
- 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
- Silver Plan has a waiting period of 4 years is case of pre-existing diseases
- Gold and Platinum has a waiting period of 2 years is case of pre-existing diseases
- 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/Adult-No Limit
- Renewal Age:- Life Long Renewal
- Sum Insured:-
Silver Plan- 2 Lacs and 3 Lacs
Gold Plan- 5 Lacs to 50 Lacs
Platinum Plan- 15 Lacs to 1 Crore - Policy Tenure:- 1 & 2 yrs
- Premium Calculated on Basis of:- Age, Zone (i.e. sum Insured Chosen)
Additional discounts
Waiting Period
- Covered from Day 1 : Accidental Injuries
- Covered after 30 Days : All incidences apart from specified surgeries, Permanent exclusion & Pre-existing diseases (if any)
- Covered after 2 Years : Applicable for above the Age 60 years Cataract, Hysterectomyother than for Malignancy, Uterine prolapse including any condition requiring Hysterectomy, Polycystic Ovarian Diseases, Myomectomy for Fibroids, Knee Replacement,Hypertension and Diabetes and related complications etc
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
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.
