There are two
types of health plans offered by Max Bupa Health Insurance under the
heartbeat plan. One is family floater policy which aims on nuclear
families and other is family first policy which is offered keeping in
mind the joint family system prevailing in India.
Let us elaborate
on the Heartbeat family first plan offered by Max Bupa Health
Insurance Company Limited. The heartbeat family first plan is also
called as extended family plan. This plan provides insurance up to 14
members of the family. The plan comes in 3 variants i.e. silver, gold
and platinum.
Relationships
covered include grandparents, self, spouse, children, parents,
parents-in-law, siblings (brother and sister), daughter-in-law,
sister-in-law, brother-in-law, niece, nephew.
Family members
under this plan are covered for individual sum assured as well as
floating sum assured.
Individual sum
assured
The policy
provides an individual sum assured to the members of the family. It
is same for every member of the family.
Floater sum
assured
It is a pool
which can be used by any family member in case their individual sum
assured gets exhausted during the year.
The health
insurance cover starts from Rs.5 lacs and can go up to a maximum of
Rs.1 crore. A health check-up might be required at the time of buying
this plan.
Features of
the plan:
-
Over 3500 network hospitals
-
Pre and post cost of hospitalization is covered
-
Claims are processes directly and not via third party
-
No restriction on age for the family members
-
Tax exemption u/s 80D of the income tax act
-
Renewability for life
-
Costs incurred towards emergency ambulance is covered
-
Organ transplant expense covered up to the sum assured
-
Evacuation and hospitalization cost due to medical emergencies outside India (as per applicable terms and conditions)
-
Expenses incurred for OPD and prescribed medicines covered as per terms and conditions
-
Costs incurred for second opinion will be covered for platinum variants members
Benefits of
Max Bupa Heartbeat Family First Plan:
-
Maternity benefits
Maternity
benefits can be availed for 2 deliveries. However, you will have to
hold the policy for a period of 2 years before availing this benefit.
The new born is covered from day 1 and the vaccinations of the new
born are covered only for the first year.
-
No capping on room rent
The insurance
plans under the gold and platinum variant have no capping over the
room rent (excluding suite and above for Gold plan). The room rent is
covered up to the sum assured.
-
Pre and post hospitalization period
The pre and post
hospitalization duration is of 60 days and 90 days respectively.
-
Loyalty benefits
Each policy year,
you will get loyalty benefit of 10% on the expiring sum assured which
will increase your sum assured. This will be applicable till the
maximum increase in sum assured is up to 100% of the original sum
assured (50% in case of silver variant).
-
Discount on premium
If you take the
policy for a period of 2 years, you can avail a discount of 12.5% on
the premium of second year.
-
Hospital expenses
Hospital expenses
like transportation, cost of attendant, daily expenses can be
provided under this policy.
-
Co-payment
It is optional to
take co-payment of 10% or 20% so that premium can fit best to your
pocket.
-
Medical treatment abroad
Platinum variant
members can avail treatment for the below 9 diseases abroad:
-
Myocardial Infarction i.e. Heart Attack
-
Coronary heart disease
-
Cancer
-
Stroke
-
Organ Transplant
-
Brain surgery
-
Aorta surgery
-
Primary PAH (Pulmonary Arterial hypertension)
-
Coronary angioplasty
Waiting period
for pre-existing disease
-
Waiting period of 24 months for gold and platinum variants
-
Waiting period of 48 months for silver variants
-
In the first 30 days of policy period, no medical expenses will be covered unless treatment is required due to accident. However, this is not applicable on renewal of policies.
Exclusions under
this policy include the following disease:
-
HIV/AIDS
-
Robotic assisted surgery
-
Non-medical expenses
-
Sexually infected disease
-
Drug abuse
This plan offered
by Max Bupa, i.e. the Heartbeat Family First Plan is an excellent one
for an extended family with comprehensive benefits. If you need a
complete overall package for the extended family, this is the perfect
solution to all your needs!
