Max Bupa Health Insurance FAQs

Max Bupa Health Insurance

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Highlights

4,500+ Network Hospitals

6,96,107 Policies Issued

54% Incurred Claim Ratio

Lifelong Renewability

92% Claim Settlement Ratio

100% In-House Claim Settlement

Coronavirus (COVID-19) Cover

Claim Settlement

  • What are the claim settlement modes available at Max Bupa?

    Max Bupa allows its customers to get their claims settled by either cashless treatment or reimbursement facility. 

  • How can I intimate my claim at Max Bupa?

    If you want to intimate a claim at Max Bupa, initiate contact at the insurer at 1860-3010-3333 or 011-66326666. You can also inform us, at InsuranceDekho by calling at 18001205698. 

  • When can I intimate Max Bupa about the hospitalisation?

    Be it for cashless treatment or reimbursement mode, policyholders are required to inform Max Bupa within 24 hours (emergency hospitalisation) and within 48 hours prior to admission (planned hospitalisation), whether it is a network hospital or a non-network hospital. 

  • Which documents are necessary for the process of claim settlement at Max Bupa?

    For Max Bupa’s claim settlement process, you need documents including:

    • Duly filled and signed claim form with policy number.
    • Past treatment documents, if any.
    • Original investigation reports.
    • Original discharge summary.
    • Original payment receipt.
    • Original final bill with detailed breakup.
    • Original pharmacy invoices supported by prescriptions, etc.
    • Medico Legal Certificate (MLC) or FIR in case of an accident.

  • What is the Claim Settlement Ratio of Max Bupa Health Insurance?

    The claim settlement ratio of Max Bupa Health Insurance is 92%

Critical Illness

  • Does Max Bupa offer critical illness plan?

    Yes, Max Bupa offers critical illness cover under its CritiCare plan. 

  • What is the eligibility criteria for buying critical illness plan by Max Bupa?

    Max Bupa provides critical illness coverage only for adults. While the minimum entry age is 18 years, the maximum entry age for buying critical illness plan by Max Bupa is 65 years. 

  • Which critical illnesses does Max Bupa cover under its critical illness plan?

    Under its critical illness plan, Max Bupa provides coverage for Cancer of Specified Severity, First Heart Attack of Specified Severity, Open Chest CABG, Permanent Paralysis of Limbs, Coma of Specified Severity, Stroke Resulting in Permanent Symptoms, and various other critical illnesses.

  • What benefits does Max Bupa offer under its critical illness plan?

    The benefits one can avail under critical illness plan by Max Bupa include sum insured payable as lump sum amount, direct claim settlement, tax benefits under Section 80D, and coverage for 20 critical illnesses. 

Family Floater

  • Does Max Bupa provide any plan for a family or extended family?

    Yes, Max Bupa provides health insurance plans with different variants for families and extended families. These are-Health Companion Family Floater, Health Companion: Family First Plan, Heartbeat Family Floater and Heartbeat Family First. 

  • Is medical check-up necessary before purchasing family floater plans from Max Bupa?

    A medical checkup may be necessary when you sign up for a new health insurance policy.

  • What is the minimum policy duration for such plans?

    You have an option of buying family floater plans for a minimum duration of 1 year. 

  • What is the maximum policy duration for such plans?

    You can purchase family floater plans from Max Bupa for a maximum duration of 2 years. 

  • Is the newborn baby also covered under the plans?

    Yes, the newborn baby is automatically covered from day 1 up to the sum insured until the next time the plan is renewed.

Feature

  • What is No Claim Bonus under Max Bupa Health Insurance?

    In case, you do not file a claim within the policy year, you get a benefit in the form of discount (NCB or No Claim Bonus) on your subsequent premium in the next year.

General Information

  • What is the address of Max Bupa Health Insurance?

    The correspondence address of Max Bupa Health Insurance is- Max Bupa Health Insurance Company Limited, B-1/I-2, Mohan Cooperative Industrial Estate, Mathura Road, New Delhi-110044

  • Do I need to undergo pre-policy medical examination before buying Max Bupa Health Insurance policy?

    A medical checkup may be necessary when you buy a new Max Bupa health insurance policy. However, if you are renewing your existing policies, there is no need for medical checkup.

  • How many network hospitals are covered under Max Bupa Health Insurance policy?

    There are more than 3600 network hospitals where you can avail the benefit of cashless treatment under Max Bupa Health Insurance policy.

Help to Buy

  • Why should I buy Max Bupa health insurance policy?

    Max Bupa Health Insurance Company Limited helps customers live healthier, more successful lives. The company provides direct settlement, comprehensive cover, international coverage, maternity benefits, lifetime renewal, and many other benefits. An ideal option to go with, Max Bupa puts customer’s health above everything else.

  • How to apply for and buy Max Bupa Health Insurance policy?

    You can apply for and buy Max Bupa health insurance policy online from the official website of Max Bupa Health Insurance Company Limited at www.maxbupa.com or through www.insurancedekho.com. You can also visit the nearest branch of Max Bupa health insurance for your convenience to learn about the policies and process of purchase in a detailed manner.

  • What is the toll free customer care number of Max Bupa Health Insurance?

    The 24x7 toll free customer helpline number of Max Bupa Health Insurance is 1860-3010-3333.

Individual

  • What all are the plans that Max Bupa provides for individuals?

    You can opt from Heartbeat Plan and Health Companion plan, if searching for an individual plan from Max Bupa.  

  • Is medical check-up necessary before purchasing an individual plan from Max Bupa?

    A medical checkup may be required while signing up for a new health insurance plan. However, health check-up is not required at the time of renewal of the plan.

  • What is the minimum policy duration for such plans?

    You have an option of buying individual health insurance plans for a minimum duration of 1 year from Max Bupa. 

  • What is the maximum policy duration for such plans?

    You can purchase individual health insurance from Max Bupa for a maximum duration of 2 years. 

Kids

  • How can I get my kids covered for health insurance at Max Bupa?

    You can choose Max Bupa’s GoActive Family Floater plan, under which the entry age for dependent children is from 91 days to 21 years. Also available in individual sum insured basis, the policy can be taken in family floater basis in multiple combinations such as 1 Adult + 1 Child, 1 Adult + 2 Children, etc.

  • Does Max Bupa offer health insurance coverage for children?

    Yes! You can opt for health insurance for your kids at Max Bupa. 

  • Does Max Bupa offer health insurance coverage for children?

    Yes! Max Bupa offers health insurance for children. You can opt for health insurance at Max Bupa. 

  • Does Max Bupa provide health insurance coverage for new born baby?

    Yes, Max Bupa offers new born baby cover. 

  • Which benefits are covered by Max Bupa under its health insurance policy for kids?

    In-patient treatment, pre & post hospitalisation expenses, day care procedures, domiciliary hospitalisation, emergency ambulance, organ donor expenses, and various other benefits are a part of Max Bupa’s health insurance policy for kids. 

Maternity

  • Does Max Bupa provide maternity benefits under health insurance plans?

    Yes, Max Bupa provides maternity and newborn benefits for up to two deliveries under its health insurance plans. 

  • Are vaccinations covered under maternity benefits?

    Yes, Max Bupa provides coverage for first-year vaccinations for the newborn.

  • Does Max Bupa provide any discount for maternity plans?

    Yes, a discount of 12.5% is offered on the second year premium by Max Bupa under maternity plans. 

Parents

  • Can I opt for health insurance coverage for my parents at Max Bupa?

    Yes, you can avail affordable health insurance coverage for your beloved parents at Max Bupa. The plans you can choose from are Health Companion (family floater) and Heartbeat (family floater) as per your specific needs.

     

  • What is the limit for maximum entry age for parents health insurance at Max Bupa?

    Parents health insurance at Max Bupa does not have a maximum entry age limit. Senior citizens of any age can enroll themselves for the choices offered.

  • Does buying parents health insurance at Max Bupa offer tax benefits?

    Yes, when you buy parents health insurance at Max Bupa, you become eligible for tax benefits under Section 80D of the Income Tax Act. 

  • What are the benefits that one can expect with parents health insurance at Max Bupa?

    The common benefits that come with parents health insurance include in-patient care, (hospitalisation), pre & post hospitalisation medical expenses, coverage for all day care expenses, refill benefit, renewal benefit, emergency ambulance, organ transplant, direct claim settlement, and others.

     

Plan Coverage

  • What is the waiting period for maternity cover in Max Bupa policy?

    Maternity benefits can be availed after the waiting period of 24 months, which is one of the lowest in the industry.

Portability

  • Does Max Bupa offer health insurance portability feature?

    Yes, one can opt for health insurance portability at Max Bupa. 

  • Who can apply for health insurance portability at Max Bupa?

    All retail policyholders with non-life insurance companies are eligible to port their existing health policy to Max Bupa. 

  • When can I apply for health insurance portability at Max Bupa?

    To opt for health insurance portability at Max Bupa, you need to apply at least 45 days before the premium renewal date of the existing policy. 

  • What are the documents required for health insurance portability at Max Bupa?

    The list of documents required for health insurance portability includes Portability form. Policy renewal documents, clearly mentioning continuity of coverage. Photocopy of existing policy documents. In the case of claim settlement, investigation report, discharge summary, and other documents are required to be submitted as proof. Furthermore, in case of no claims made on the previous insurer, self-declaration by policyholders. 

Premium

  • How can I calculate the premium for health insurance policies of Max Bupa?

    You can visit the official website of Max Bupa (www.maxbupa.com) and click on the Get Quote tab after filling in your personal details to get an idea of the premium amount.  You can also visit the health insurance broker’s website like www.insurancedekho.com to get the best price. 

  • How much premium do I have to pay if I buy an individual health insurance policy from Max Bupa?

    Annual premiums for individual health insurance plans for Max Bupa start at Rs. 6,806 (for a person aged 25 years).

  • What are some of the elements that affect Max Bupa premium?

    Age, number of people, pre-existing diseases, and family history are the prime factors that affect the health insurance premium. Before going ahead with the policy purchase, learn that the premium increases with age. Additionally, that premium for individual coverage is less as compared to that of the family floater. 

  • How should I calculate my Max Bupa health insurance premium?

    To calculate the premium for your Max Bupa health insurance policy, you can visit the insurer’s website. You can also get in touch with experts at InsuranceDekho at 18001205698 for assistance with premium calculation. 

  • How can I compare Max Bupa health insurance premium?

    Performing premium comparison to make an ideal health insurance choice would require you do the premium calculation in the first place and then compare policy coverage along with the exclusions. 

  • How can I pay my Max Bupa health insurance premium?

    Paying Max Bupa health insurance policy premium is quite easy. You can make use of one of the payment options such as net banking, credit/debit card, cheque, UPI, or cash to pay your premium. To learn more, you can initiate contact with InsuranceDekho experts at 18001205698.

Senior Citizen

  • Does Max Bupa provide health coverage to senior citizens?

    Yes, Max Bupa provides coverage for senior citizens. Persons up to 65 years of age can avail its benefits. It helps individuals get coverage at later stages of their lives.  

  • Are operation theatre charges covered for senior citizens under health insurance plans provided by Max Bupa?

    Yes, Max Bupa covers operation theatre charges for up to the sum insured for the senior citizens.   

  • Is there any co-pay for senior citizens?

    Yes, there is a compulsory co-pay of at least 20% for all the insured above 65 years of age. 

  • Does Max Bupa provide domiciliary hospitalisation for senior citizens?

    Yes, the company provides domiciliary hospitalisation to the senior citizens. 

Tax Benefit

  • Is there any tax benefit that one can avail while buying a Max Bupa Health Insurance policy?

    When you buy a Max Bupa Health Insurance policy, you are entitled to avail tax benefits against the health insurance premium, under Section 80D Income-tax Act, 1961.

Top-up

  • Does Max Bupa health insurance offer Top-up plans?

    Yes! At Max Bupa, you can invest in Health Companion Super Top-up plan under the category.

  • Why should I go for Max Bupa’s top-up plan?

    There are multiple benefits that Max Bupa’s Super Top- up plan covers. Comprehensive coverage, direct claim settlement, 2-year policy tenure option, tax benefits under Section 80D of the Income Tax Act, are a few benefits that one can avail by opting for Max Bupa’s Super Top- up plan.

  • Who can buy Max Bupa’s Super Top-up plan?

    Any one can purchase Max Bupa’s Super Top-up plan. Note that while the minimum age at entry is 18 years, the maximum entry age is 65 years. 

  • Does Max Bupa’s Super Top-up plan cover pre-existing diseases?

    Yes, Max Bupa’s Super Top-up plan covers pre-existing diseases. The waiting period for pre-existing diseases is 4 years (for individual & family floater for sum insured up to Rs. 4 Lakh) and 3 years (Family First plan for sum insured Rs. 5 Lakh and onward). 

Woman

  • Does Max Bupa offer health insurance plan for women?

    Yes, Max Bupa covers health insurance for women under its Heartbeat policy. Under this plan, the insurer offers maternity coverage and newborn baby cover, apart from other benefits. 

  • What are the benefits covered under Max Bupa’s health insurance plan for women?

    Few benefits covered under Max Bupa’s plan for women include vast sum insured option range, in-patient care (hospitalisation), pre & post hospitalisation, alternative treatments, all day care treatment, any age enrollment, loyalty additions, and numerous others. 

  • Does Max Bupa offer hospitalisation coverage delivering baby via normal and cesarean?

    Yes, at Max Bupa, you can make the most of in-patient hospitalisation benefit for delivery, both normal and cesarean.

  • At Max Bupa, what are the sum insured options available for women heath insurance plan?

    The sum insured options for women health insurance at Max Bupa include Rs. 5 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 30 Lakh and Rs. 50 Lakh for Gold variant. For Platinum variant, the sum insured options are Rs. 15 Lakh, Rs. 20 Lakh, Rs. 50 Lakh, and Rs. 1 Crore. 

Max Bupa Health Insurance Plan List

Name of PlanSum Insured
Health CompanionMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
GoActiveMin: 91 Days, Max: 65 Years4 Lakh Get Quotes Now
HeartbeatMin:18 Years, Max: No Limit1 Lakh Get Quotes Now
Criticare Min: 18 Years; Max 65 Years3 Lakh Get Quotes Now
Health Recharge Min: 18 Years; Max: 65 Years2 Lakh Get Quotes Now
AccidentCareMin: 1 Day; Max: 65 Years5 Lakh Get Quotes Now
Health PulseMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now
Health PremiaMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin : 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now

Max Bupa Health Insurance Top Up List

Name of PlanSum Insured
Health CompanionMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now

Claim Process at Max Bupa Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

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