Niva Bupa (Max Bupa) Insurance Reviews, Ratings, Best Plans and USPs

Max Bupa provides a wide range of policies to its customers. These policies are discussed below.

Max Bupa Health Companion

The Max Bupa Health Companion plan offers the most basic coverage when it comes to the domain of health insurance. The policy is available in two variants, one suited for individuals and the other for family floater coverage.

The coverage of both variants can range from INR 2 lakh to INR 4 lakh. For individuals, the age of the policyholder should be between 18 years to 65 years. In the case of families, a maximum of two adults in the family, who should be between the ages of 18 years to 60 years, and four children between the ages of 3 months to 23 years can be covered under this plan.

The policy covers pre and post-hospitalization charges and day care procedures. It should be noted that a co-payment of 20% is valid for individuals over the age of 65 years. Co-payment is the amount that has to be paid by the policyholder before he or she can claim the policy.

The basic coverage is increased to INR 5 lakh in the case of Max Bupa Health Companion Gold policy. The gold policy also provides a wider coverage of medical expenses to the policyholder.

Max Bupa Heartbeat Policy

The Max Bupa Heartbeat Policy covers all basic medical charges while also offering loyalty benefits to its customers. There are three variants of this policy. These variants are:

• Heartbeat Gold Policy
• Heartbeat Platinum Policy
• Heartbeat Silvery Policy

The mediclaim gold policy offers coverage in the range of INR 5 lakh to INR 50 lakh for individuals over the age of 18 years. The policy also covers charges like pre and post-hospitalization expenses, annual health checkups, and day care procedures.

Under the loyalty program, the plan further provides an additional sum insured or earned. One can also get to redeem benefits on every renewal irrespective of the number of claims made. In this policy, 10% to 20% of co-payment is also applicable over the age of 65 years.

In the case of the family floater variant, there can be two adults and four children of any age in the family. Further, in the case of the platinum policy, the coverage is present in the range of INR 15 lakh to INR 1 crore. The platinum variant also covers international coverage for nine treatments that are specified in the insurance document.

The heartbeat silver plan is a top plan. This means that this plan has an agreed-upon deductive amount that needs to be paid at the time of claim. Under this plan, one can get two annual health checkups done. The coverage provided under this plan is up to INR 3 lakh.

Max Bupa Health Assurance

The Max Bupa Health Assurance is an excellent plan that provides coverage for hospital cash, critical illness, and personal accidents. This coverage is provided at four different levels or ranges of sum assured. The policy can be purchased by both families and individuals.

The policy provides the holder with a lump sum amount in case of critical illness. The lump-sum amount can range from INR 3 lakh to INR 10 lakh. For the individual, the age should be between 18 years to 65 years to purchase this policy. 

The hospital cash benefit covers any additional or miscellaneous charges that one can incur at a hospital on a daily basis. This coverage can range from INR 1000 per day to INR 4000 per day.

In case of personal accidents, the policyholder will be provided with a lump sum amount. This amount can range from INR 5 lakh to INR 25 lakh. There are also seven options with different combinations of benefits available in this plan. These options are:

• Option I: Will include critical illness cover, personal accident cover, and hospital cash benefit
• Option II: Will include critical illness cover and hospital cash benefit
• Option III: Will consist of critical illness cover and personal accident cover
• Option IV: Will consist of personal accident cover and hospital cash benefits
• Option V: Will only include critical illness cover
• Option VI: Will only consist of hospital cash benefit
• Option VII: Will only consist of personal accident cover

In the case of families, a maximum of two adults can be covered in this policy. Two children can also be covered for hospital cash benefit and personal accident cover.

Max Bupa Family First Insurance Policy

The Max Bupa Family First Insurance Policy is ideally created for joint families. This policy can cover any number of family members up to a limit of 14 family relations. There are three variants available under this policy. These variants are:

• Family First Gold Policy
• Family First Platinum Policy
• Family First Silver Policy

The base sum insured for the policy is divided into two insured values. This allows all family members to be covered on an individual as well as family floater basis all under the same plan. On an individual basis, the sum insured value can range from INR 1 lakh to INR 5 lakh. In the case of a family floater basis, the sum insured value can be in the range of INR 3 lakh to INR 15 lakh.

This Max Bupa policy provides basic coverage like pre and post-hospitalization charges, day care procedures, maternity benefits, newborn cover, and one health checkup done every two years.

Further, under the loyalty program, the policy plan provides an additional sum insured or earned and redeemed benefit to the policyholder on every single renewal. This is provided irrespective of the number of claims made in the year. It should be noted that 10% to 20% of co-payment is valid over the age of 65 years.

In the gold variant of the policy, the sum insured on an individual basis can vary from INR 1 lakh to INR 15 lakh. And on a family floater basis, the sum insured can range from INR 3 lakh to INR 50 lakh. In this variant, higher coverage is provided to the policyholder.

In the platinum variant of the policy, the total sum insured on an individual basis is INR 5 lakh to INR 15 lakh and on a family floater basis, the total sum insured is between INR 15 lakh to INR 50 lakh. More coverages are also included in the platinum variant in comparison to the gold or the silver variant of the same policy.

The platinum variant of the policy also provides additional coverage of nine international treatments. These treatments are specified in the official document of the policy.

Max Bupa Employee First Health Insurance Plan

The Max Bupa Employee First Health Insurance plan is a group health insurance plan. As the name indicates, this policy is ideal for business owners who wish to provide higher quality health insurance policies for their employees.

This policy plan provides very comprehensive health coverage to several employees of any age. The coverage sum can range from INR 1 lakh to INR 50 lakh. Under this plan, one can opt for several benefits like a private room, regular health checkups for parents and parents in law. Employees can also avail of maternity benefits and newborn coverage under this policy.

Max Bupa Employee First Classic Health Insurance Plan

The Max Bupa Employee First Classic Health Insurance Plan is also a group health insurance policy for employers who want to cover the entire family of their employees. Under this policy, the coverage sum can range from INR 50,000 to INR 5 lakh.

This plan can also be extended as a corporate floater by organizations. The plan includes coverage to parents, newborn children, and provides maternity benefits.

Max Bupa Group Personal Accident Insurance Policy

The Max Bupa Personal Accident insurance policy is a personal accident disability plan that provides proper compensation to the entire group in case of death or disability related to accidents. The accidental coverage of this plan can also be extended to cover the entire family.

The insurance policy plan provides a lump sum amount in the unfortunate case of permanent total disability or accident. One can also opt for a corporate floater and educational allowance under this policy.

Best Policies of Brand

There are several great policies provided by Max Bupa. In this section, we will list some of the most popular policies that are provided by this organization. These policies are mentioned below.

Max Bupa Health Companion Health Insurance Plan

The Max Bupa Health Companion plan is aimed to cover the medical requirements of Indian joint families. This comprehensive plan can provide coverage to a maximum of 19 relationships. This insurance policy can also be availed for individuals as well as families.

The policy comes in three variants. The total sum insured amount of this policy can also range from INR 3 lakhs to INR 1 crore. There are a number of benefits associated with this policy, including in-patient hospitalization, organ transplant, alternative treatment, and refill benefit.

Max Bupa Health Premia Health Insurance Plan

The Max Bupa Health Premia is the ideal insurance for families and individuals who want their insurance to reflect their healthcare needs and lifestyle. There are three variants of this policy and the variants offer a large sum insured amount ranging from INR 5 lakh to INR 3 crore.

The benefits associated with this policy are international coverage, in-patient cover, maternity benefit, newborn baby cover, refill benefit, diagnostic services, and pharmacy services. It helps one get the best in the healthcare industry.

Max Bupa GoActive Health Insurance Plan

The Max Bupa GoActive Health insurance plan is a policy that extends its coverage from expenses incurred at the hospital to providing cashless OPD and diagnostic services. The sum insured under this policy ranges from INR 1 lakh to INR 25 lakh.

Some unique benefits provided by this policy are diagnostic test cover, OPD consultation, health coach option, second medical opinion, behavior assistance program, alternative treatment, and health check-up coverage.