The age we are living in is fast-paced which usually results in billions of people living a stressful life. Living with stress usually results in creating serious health conditions and Indians are no exception. Heart diseases and diabetes are amongst the top diseases that are caused due to stress. Being an Indian, we all need to remain cautious about the forementioned diseases as a report by WHO claims that these two diseases are the leading cause of death in India. Other diseases such as infections and respiratory diseases worsen the fear. Hence, it becomes unavoidable to subscribe to a health insurance plan from a credible insurer. In this blog, we are going to analyse what Max Bupa Health Insurance has to offer.
Max Bupa Health Insurance
It is one of the leading companies in the healthcare sector not only in India but across the world. It is a joint venture of Max India Limited and Bupa and was founded 12 years ago. It serves over 11 million customers globally. It is the firm that you can count upon for getting yourself and your loved ones insured by the policy offered by the firm.
Top four Max Bupa Health Insurance Plans
1. Health Companion (Individual)
The plan includes all categories of hospital rooms excluding suite and above category. Under health companion, the accumulated bonus wouldn’t be reduced when you will make a claim.
Cost of Health Companion starts at INR 446/month
One of the most popular and cost-effective plan offered by Max Bupa Health Insurance. It covers up to INR 1 crore with pre and post hospitalisation costs and direct claim settlement amongst others.
2. Go Active (Individual)
Go Active plan offers hospital room up to INR 4,000 per day.
Cost of Go Active starts at INR 630/month
3. Health Pulse Enhanced (Individual)
The Hospital Room Eligibility includes Single Private Room or up to 1 percent of SI/day*. The accumulated bonus won’t be deducted on the claim
Health Plus Enhanced premium starts at INR 571/month
4. Go Active (Family Floater)
Hospital Room up to INR 4,000 per day.
The plan starts at INR 950/month
It is one of the most popular family floater plans in the market today.
Max Bupa Health Insurance features
- It offers a network of over 4500 hospitals, with incurred claim ratio of 50.19, lifelong renewability, 4 years of the pre-existing disease waiting period, and claim settlement ratio of 96 percent.
- This Health Insurance policy is available for 1 to 2 years tenure which can be renewed annually. Max Bupa also offers discounts on some of its plans if you subscribe for 2 years.
- Max Bupa Health Insurance does not ask for a compulsory medical check-up, only in the case of people who are above the age of 60 are required to undergo a medical check-up.
What Max Bupa Health Insurance covers?
From new-born babies to senior citizens, it offers a wide range of family floater and individual plans that cover almost everyone of any age. It also covers pre-existing illness in some of its health insurance plans. Home hospitalisation and domiciliary hospitalisation are also covered under Max Bupa Health Insurance.
What is not covered?
It does not cover congenital diseases, AIDS, conditions resulting due to attempted suicide and overuse of drugs or alcohol. It does not cover treatment relating to miscarriage, abortion, childbirth, pregnancy, infertility, and in vitro fertilisation. It does not cover expenses incurred due to hospitalisation in case of war, riot, and terror attack amongst others.
Yes or no?
Max Bupa Health Insurance is one of the pioneers in the insurance market today. The insurer is credible and well respected in the market. If you are looking for low-cost premium policies with additional features, you can go for this Health Insurance. For higher premium plans, we would suggest you look for some other options as well.