Niva Bupa (Max Bupa) Heartbeat Health Insurance

• In-Patient Hospitalization Care: Cashless hospitalization for insurers at all network hospitals.
• Domiciliary Hospitalization: Compensation is provided for the expenses of the treatment undergone at home due to the unavailability of hospital beds.
• Pre and post-hospitalization expenditures: The policy provides coverage for 60 days and 90 days of pre and hospitalization charges, respectively. 
• Organ transplant assistance: In-patient treatment of organ donors for organ harvesting is covered.
• Out-patient treatment compensation: Medical expenses for treatment as an outpatient are covered under the platinum plan.
• Ambulance for an emergency: The policy compensates the ambulance charges after the in-patient claim is made. 
• Claims settlement ratio: The policy has a claim settlement ratio of 89.46 % and Incurred Claim Ratio of 54%.
• Vaccination expenses are covered in the plan.
• Alternative treatment: Expenses of alternative treatments like Ayurveda and Unani can also be availed. These are alternate treatments under the AYUSH coverage.
• Lifelong renewability: No additional premium is required. 
• Tax exemption: Under section 80D of Income Tax Act, policyholders are eligible for tax benefits subject to the prescribed ceilings from time to time
• Online accessibility: Customers can opt for easy online policy renewals.

Max Bupa Heartbeat Health Insurance provides online as well offline health plans: 

1. Max Bupa Health Companion Individual

The various features of the Max Bupa Health Companion Individual include:  

• This policy offers various benefits like direct claim settlement, pre, and post-hospitalization charges, and coverage up to Rs.1 crore. 
• The plan covers room rents without any capping. 
• Insurers who opt for Max Bupa medical insurance plan for 2 years are given a 12.5% discount on the premium amount of the second year. 
• There is no age limit and anybody above 91 days of age can buy the policy. 

2. Max Bupa Health Companion Family First Plan

Key features of the Max Bupa Health Companion Family First Plan include:

• It is an exclusive family floater plan that is customized to meet the requirements of large families. 
• A single plan provides coverage to up to 19 relatives. 
• The cover makes use of individual sum insured for every member of the family coupled with a floater sum insured that can be used by any family member. 
• The plan has three variants viz. silver, gold, and platinum.
• The plan covers all day-care treatments and procedures except outpatient treatments. 
• Ayurveda and Unani treatments are also included in the cover and those who opt for a 2-year Max Bupa Mediclaim policy will be given a 12.5% discount on the 2nd year premium.

3. Max Bupa Health Companion Family Floater Insurance Plan

This is an affordable policy with nominal rates designed to cater to nuclear families. 

• The plan covers the insurer, spouse, and a maximum of 4 children. 
• The range of sum insured is between Rs.3 lakhs to Rs.1 Crore. 
• The plan has silver, platinum and gold max variants. 
• The plan compensates for all expenses on room rent without any capping.
• The cashless benefits can be availed at any network hospital with 30 days and 60 days of pre and post -hospitalization charges coverage, respectively. 
• The insurers can avail of free health check-ups once every two years for the entire family.

4. Max Bupa Heartbeat Insurance Plan for Individual

This is a wholesome coverage plan with a term limit of 1 to 2 years. 

• The plan entitles the insurers to international cashless coverage, direct claim settlement, and so on. 
• Gold and platinum are the two variants of this plan with a sum insured of Rs.50 lakhs and Rs.1 Crore, respectively.
• For insurers above 65 years of age, 10 to 20% of co-payment is allowed. 
• There is no cap for room rent in this policy and international treatment in the USA and Canada (limited to certain serious illnesses listed in the policy document) is also covered.

5. Max Bupa Heartbeat Family Floater policy

Key features of the Max Bupa Heartbeat Family Floater include: 

• It is designed for large families and has two variants, gold max, and platinum with a sum insured of Rs.5 lakhs to Rs.50 lakhs, respectively. 
• The plan compensates for ENT procedures, dental day-care treatments, and pre & post-hospitalization charges.
• The plan offers coverage to newborn infants without extra premium.
• Cashless benefits for treatment can be availed within 4 hours at a network hospital. 

6. Health Premia- Individual and Family Health Insurance Plan

This is a wholesome floater plan that offers a combination of benefits that includes health cover and international cover. 

• It is a unique plan that covers laser surgery, robotic surgeries, and surgery for weight loss. 
• Domiciliary treatments and organ donor treatments are also compensated by this plan. 

7. Max Bupa Critical Illness Health Assurance Plan

This is a plan tailor-made to meet the huge expenses of critical illness treatment with a term limit of 2 to 3 years. 

• A lump sum amount is provided to facilitate proper diagnosis. 
• If the illness diagnosed is listed in the policy document, the lump sum amount is paid immediately after the diagnosis. 
• The coverage amount ranges between Rs.3 lakhs to Rs.2 Crore. 
• The age limit for availing of the policy is 18 to 65 years.

8. Max Bupa Personal Accident Health Assurance Plan

This is a tailor-made plan to support insurers in case of accidents. 

• It provides an accidental death cover and a cover for disabilities due to accidents (either partial or permanent). 
• In case of the untimely demise of the insurer, the plan supports the education of the child of the insured, more importantly when he / she is the breadwinner. 
• This policy by Max Bupa provides up to 125% of the sum assured if there is a permanent total disability and 100% in case of permanent partial disability.

9. Max Bupa Hospital Cash Health Assurance Policy

The various features of the Max Bupa Hospital Cash Health Assurance Policy include:

• It covers hospital charges, overhead expenses like transportation, nursing, lodging for caretakers, etc. 
• The plan provides daily cash of up to Rs.4000 per day for a minimum of 45 days.

• Compensates for treatment in a foreign land for listed diseases. An additional premium must be paid for treatment in the US and Canada.
• 60 days and 90 days of pre- and post-hospitalization charges are covered.
• Maternity benefits are provided for up to two deliveries. This can be availed if both the parents are covered under this policy for 2 continuous years.
• Vaccination and newborn care are covered without an additional premium.
• In-patient treatment for the insurer and their family members.

• Ancillary hospital expenses, psychological disorders, artificial life support, and illness due to dangerous activities are not compensated.
• HIV, AIDS, other sexually transmitted diseases, cosmetic surgery, oral treatment are not covered.
• Any treatment except for emergency medical assistance undergone outside India is not compensated.
• Treatment by an unauthorized or unrecognized hospital or practitioner.
• Medical expenditures arising out of chemical, war, biological or nuclear issues are not covered.
• Sleep disorders are not included in the policy document.