Professional Documents
Culture Documents
Disclaimer: This is only a summary of the product features and is for reference purpose only. The details of benefits available shall be as
described in the Plan document, and will be subject to the Plan Terms, Conditions and Exclusions. Please call our customer service if you
require any further information or clarification.
Statutory warning: Prohibition of rebates (under Section 41 of Insurance Act 1938); no person shall allow or offer to allow either directly
or indirectly as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to life or
property, in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the plan, nor shall
any person taking out or renewing or continuing a plan accept any rebate, except such rebate as may be allowed in accordance with the
published prospectus or the tables of the insurer. Any person making default in complying with the provision of this section shall be
punished with fine, which may extend to five hundred rupees.
We all aspire to provide the very best for When it comes to your family’s health, you Max India and Bupa, an international Bupa: 60 years of care
our families. Nothing seems more need a partner you can trust. Someone health insurance company, have joined
Established in 1947 as the British United
important than their well being, and that, is who will be there for you, through thick hands to bring to India Max Bupa Health
Provident Association, Bupa today has
surely at the top of your mind. and thin. Insurance. We believe in nurturing
over 10 million customers across
long-term relationships with our customers
190 countries.
Today, even as medical science is making We at Max Bupa, understand what you by providing the highest levels of quality in
revolutionary progress in healthcare, the need - to provide the very best for your service. Read more about our parent
Bupa brings in a wealth of experience in
average age of lifestyle diseases seems to family, no matter what. That is why, this companies.
serving customers directly in Health
be reducing rapidly. The solution then, plan offers you comprehensive cover and
Max India Limited: A reputation Insurance across the world. Bupa runs Care
would be to make changes towards leading personalised care and service; just what
for excellence Homes for elderly and young disabled
a healthier, happier life. And what would be you need. people. It also provides health assessment,
The Max India Group brings expertise in
better if you knew that you also had access health coaching and work place health
Insurance and Healthcare with a strong
to the very best of healthcare; if you might programmes for customers.
presence in Life Insurance (Max New York
need it some day.
Life Insurance Company Limited),
Healthcare (Max Healthcare Institute Ltd.)
There is no better solace than knowing that
and Clinical Research (Max Neeman
the best treatment is there for you when
Medical International Limited).
you need it. And a good health insurance
cover gives you just that. Peace of mind,
A Rs. 5,000 Crore group, it has over 500
and the freedom to protect your hard
offices across India, more than 20,000
earned assets.
employees and 84,000 agents, all
focused on delivering value to its
3.5 million customers.
1
Expertise is important, when it comes to delivering excellence.
We all aspire to provide the very best for When it comes to your family’s health, you Max India and Bupa, an international Bupa: 60 years of care
our families. Nothing seems more need a partner you can trust. Someone health insurance company, have joined
Established in 1947 as the British United
important than their well being, and that, is who will be there for you, through thick hands to bring to India Max Bupa Health
Provident Association, Bupa today has
surely at the top of your mind. and thin. Insurance. We believe in nurturing
over 10 million customers across
long-term relationships with our customers
190 countries.
Today, even as medical science is making We at Max Bupa, understand what you by providing the highest levels of quality in
revolutionary progress in healthcare, the need - to provide the very best for your service. Read more about our parent
Bupa brings in a wealth of experience in
average age of lifestyle diseases seems to family, no matter what. That is why, this companies.
serving customers directly in Health
be reducing rapidly. The solution then, plan offers you comprehensive cover and
Max India Limited: A reputation Insurance across the world. Bupa runs Care
would be to make changes towards leading personalised care and service; just what
for excellence Homes for elderly and young disabled
a healthier, happier life. And what would be you need. people. It also provides health assessment,
The Max India Group brings expertise in
better if you knew that you also had access health coaching and work place health
Insurance and Healthcare with a strong
to the very best of healthcare; if you might programmes for customers.
presence in Life Insurance (Max New York
need it some day.
Life Insurance Company Limited),
Healthcare (Max Healthcare Institute Ltd.)
There is no better solace than knowing that
and Clinical Research (Max Neeman
the best treatment is there for you when
Medical International Limited).
you need it. And a good health insurance
cover gives you just that. Peace of mind,
A Rs. 5,000 Crore group, it has over 500
and the freedom to protect your hard
offices across India, more than 20,000
earned assets.
employees and 84,000 agents, all
focused on delivering value to its
3.5 million customers.
1
It’s not about cover for a year, but a relationship for life.
in 2008 Best Individual Private Medical Insurance family oriented Health Insurance Policy outpatient benefits as well as
CII-Exim Bank Award for Business Provider - awarded at the U.K Money which is simple to buy and extremely hospitalisation benefits.
Excellence awarded to Max New York Marketing Awards 2009 easy to understand. In addition to
Life in 2008 comprehensive Health Insurance that suits 2. We talk directly to you
CIO 100 Award for technology your needs, it also helps you care for your We talk to you directly, and not through
implementation health proactively over time. You don’t just any third parties. We are always there for
buy an annual insurance from us. Our you when you need us. Because you
Bupa:
focus is on building a long-term health should concentrate on getting better or
The Health Insurance Company of the
relationship with you and your family. looking after your loved ones, rather than
Year Award - awarded at the U.K. Health
chasing a “third party” for settlement of
Insurance Awards 2009
We believe that a healthy relationship is your claims.
Best International Private Medical I put my trust in a name
built by understanding your needs, by
Insurance Provider 2008 - awarded at trusted by 10 million people across coming closer to you, through a 3. Cashless facility at quality hospitals
the U.K. Health Insurance Awards 190 countries. continuous dialogue with you on what You can access cashless facility at quality
Best Medical Insurer Company (2008,
matters the most. Which is why our hospitals near you, thanks to our valued
Bupa Arabia) - awarded at
Heartbeat Health Insurance Plan comes relationship with them.
the Jeddah Chamber of Commerce and
with thoughtfully designed benefits. Here
Industry Health Committee Awards
are 14 good reasons for you to choose
Heartbeat Health Insurance plan.
2 3
It’s not about cover for a year, but a relationship for life.
in 2008 Best Individual Private Medical Insurance family oriented Health Insurance Policy outpatient benefits as well as
CII-Exim Bank Award for Business Provider - awarded at the U.K Money which is simple to buy and extremely hospitalisation benefits.
Excellence awarded to Max New York Marketing Awards 2009 easy to understand. In addition to
Life in 2008 comprehensive Health Insurance that suits 2. We talk directly to you
CIO 100 Award for technology your needs, it also helps you care for your We talk to you directly, and not through
implementation health proactively over time. You don’t just any third parties. We are always there for
buy an annual insurance from us. Our you when you need us. Because you
Bupa:
focus is on building a long-term health should concentrate on getting better or
The Health Insurance Company of the
relationship with you and your family. looking after your loved ones, rather than
Year Award - awarded at the U.K. Health
chasing a “third party” for settlement of
Insurance Awards 2009
We believe that a healthy relationship is your claims.
Best International Private Medical I put my trust in a name
built by understanding your needs, by
Insurance Provider 2008 - awarded at trusted by 10 million people across coming closer to you, through a 3. Cashless facility at quality hospitals
the U.K. Health Insurance Awards 190 countries. continuous dialogue with you on what You can access cashless facility at quality
Best Medical Insurer Company (2008,
matters the most. Which is why our hospitals near you, thanks to our valued
Bupa Arabia) - awarded at
Heartbeat Health Insurance Plan comes relationship with them.
the Jeddah Chamber of Commerce and
with thoughtfully designed benefits. Here
Industry Health Committee Awards
are 14 good reasons for you to choose
Heartbeat Health Insurance plan.
2 3
Heartbeat Health
4. Assured plan renewal for life 7. More comprehensive coverage: Insurance Plan gives me
We assure you renewability for life. We are All day care procedures covered: We comprehensive coverage.
not here for just one year of your life, we cover all day care procedures, not a
are there for you for a lifetime. select few.
Limited exclusions: Heartbeat plan has
5. Maternity & Child care benefits
limited exclusions, whether its for one
Maternity benefit: The Family Floater year, two year or permanent exclusions.
option provides you maternity benefits
8. Proactive health relationship &
for up to two deliveries. This benefit is
management benefits
available after you and your spouse
have been covered for 24 months Health check-up on renewal: Because
continuously. We also pay pre and post your health is precious and should be
maternity expenses. well looked after.
New born coverage: All new born babies
(where we have paid the maternity
claim) are automatically covered from I should be
birth until the next renewal of the plan. able to get a health
Vaccinations: First year vaccinations for plan, irrespective of
all new borns (where we have paid the my age.
maternity claim) are covered.
Child care: We provide vaccinations as
well as nutrition and diet consulting for
children up to 12 years.
4
Heartbeat Health
4. Assured plan renewal for life 7. More comprehensive coverage: Insurance Plan gives me
We assure you renewability for life. We are All day care procedures covered: We comprehensive coverage.
not here for just one year of your life, we cover all day care procedures, not a
are there for you for a lifetime. select few.
Limited exclusions: Heartbeat plan has
5. Maternity & Child care benefits
limited exclusions, whether its for one
Maternity benefit: The Family Floater year, two year or permanent exclusions.
option provides you maternity benefits
8. Proactive health relationship &
for up to two deliveries. This benefit is
management benefits
available after you and your spouse
have been covered for 24 months Health check-up on renewal: Because
continuously. We also pay pre and post your health is precious and should be
maternity expenses. well looked after.
New born coverage: All new born babies
(where we have paid the maternity
claim) are automatically covered from I should be
birth until the next renewal of the plan. able to get a health
Vaccinations: First year vaccinations for plan, irrespective of
all new borns (where we have paid the my age.
maternity claim) are covered.
Child care: We provide vaccinations as
well as nutrition and diet consulting for
children up to 12 years.
4
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irect
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24/7 health line: You can access health with a specialist doctor. We also pay for
advice when you need it. any diagnostic tests prescribed by the
Health relationship loyalty programme: specialists.
l Iff your plan
l is renewed without
If the plan is renewed with us, you are any break and there is an unutilised
eligible for health services and products amount, we carry forward 80% of this
worth upto 10% of your renewal unutilised amount to the next plan year.
premium.
10. E-opinion
9. Specialist Doctor consultation and In case you need a second opinion for a life
diagnostic tests threatening medical condition, we can
provide you one e-opinion for the same.
You are covered for outpatient consultation
6
at
ea rtbe
H
o c h oose
ns t r
R easo n sive
cove
1 4 e h e My health insurance
ompr PA
M ost c e , no T takes care of all my needs.
✓ v i c
Ser
irect
✓ D cility
l e s s fa life
as h l for fits
✓C r e n e w a
r e bene
ed a
ssur ild c
✓A n d Ch ent
e r n ity a
o r e nrollm
✓M
at ion f
s trict rage
a g e r e
i v e cove
✓ No ens t
c o m preh n a g emen
✓M
ore h ma tion
i v e healt sulta
o a c t r c o n
✓ Pr octo
i a l i s tD
ec
✓ Sp
n
opinio nrollm
ent
✓ E- b l e e
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espo rvice
✓R l i t y se
u a
igh q
✓H riod
e l o ok pe
e
✓ Fr
aving
T ax s
✓
24/7 health line: You can access health with a specialist doctor. We also pay for
advice when you need it. any diagnostic tests prescribed by the
Health relationship loyalty programme: specialists.
l Iff your plan
l is renewed without
If the plan is renewed with us, you are any break and there is an unutilised
eligible for health services and products amount, we carry forward 80% of this
worth upto 10% of your renewal unutilised amount to the next plan year.
premium.
10. E-opinion
9. Specialist Doctor consultation and In case you need a second opinion for a life
diagnostic tests threatening medical condition, we can
provide you one e-opinion for the same.
You are covered for outpatient consultation
6
Choosing the right plan matters a lot.
8 9
Choosing the right plan matters a lot.
8 9
My health plan gives me accidental cover as well.
Doctors’ fees Covered up to Sum Insured Your Heartbeat Health Insurace plan covers admission to the hospital and 60 days
Operation theatre charges and intensive care you for the costs of treatment of a disease, after discharge from the hospital.
Pathology, x-rays, diagnostic tests and therapies illness, injury or accident that leads to your
recovery, conservation of your condition, or Day care procedures
Prosthetic implants
to restore you to your previous state of
Hospital accommodation Single Private Room. Upgrade to next level, subject to availability
health as quickly as possible. Domiciliary treatment: Medical expenses
Pre and post hospitalisation expenses including doctor’s consultation,
Covered up to Sum Insured
diagnostic tests, medicines, drugs and consumables for treatment taken at home.
All day care procedures Covered up to Sum Insured
You are covered for emergency and
Child care benefits non-emergency treatment, in both network & Organ donation: Medical expenses for an
Maternity cover for up to 2 deliveries
Covered up to Covered up to Covered up to out-of-network hospitals. We pay, up to the organ donor’s treatment for harvesting of
Rs 60,000 Rs 75,000 Rs 1,00,000
New born baby cover Covered up to Sum Insured yearly maximum sum insured. the organ.
Vaccinations for children upto 12 years and nutrition and diet consulting Covered up to Sum Insured
We cover the following expenses: Maternity & childcare benefits: Medical
Further benefits
In-patient treatment: Including medical expenses for maternity & childcare
Health check-up at time of renewal Annual
fees for doctors, diagnostics, medicines, (vaccination and nutrition consulting)
Organ transplant when medically necessary Covered up to Sum Insured
operation theatre, hospital under family floater plan.
Covered at acutal cost in Network hospitals
Emergency ambulance (*)
up to Sum Insured
accommodation and other
Domiciliary treatment
Covered up to Covered up to Covered up to related expenses. Emergency ambulance: Expenses incurred
Rs 75,000 Rs 1,00,000 Rs 2,50,000
Out-patient benefits covering specialist consultation and costs of Covered up to Covered up to Covered up to
Pre & post hospitalisation medical emergency to the nearest hospital.
diagnostics tests prescribed by them. Rs 10,000 Rs 15,000 Rs 20,000
expenses: Medical expenses incurred due
Additional services to illness up to 30 days period
24x7 healthline Available immediately before an insured person’s
Relationship manager Available
Doctors’ fees Covered up to Sum Insured Your Heartbeat Health Insurace plan covers admission to the hospital and 60 days
Operation theatre charges and intensive care you for the costs of treatment of a disease, after discharge from the hospital.
Pathology, x-rays, diagnostic tests and therapies illness, injury or accident that leads to your
recovery, conservation of your condition, or Day care procedures
Prosthetic implants
to restore you to your previous state of
Hospital accommodation Single Private Room. Upgrade to next level, subject to availability
health as quickly as possible. Domiciliary treatment: Medical expenses
Pre and post hospitalisation expenses including doctor’s consultation,
Covered up to Sum Insured
diagnostic tests, medicines, drugs and consumables for treatment taken at home.
All day care procedures Covered up to Sum Insured
You are covered for emergency and
Child care benefits non-emergency treatment, in both network & Organ donation: Medical expenses for an
Maternity cover for up to 2 deliveries
Covered up to Covered up to Covered up to out-of-network hospitals. We pay, up to the organ donor’s treatment for harvesting of
Rs 60,000 Rs 75,000 Rs 1,00,000
New born baby cover Covered up to Sum Insured yearly maximum sum insured. the organ.
Vaccinations for children upto 12 years and nutrition and diet consulting Covered up to Sum Insured
We cover the following expenses: Maternity & childcare benefits: Medical
Further benefits
In-patient treatment: Including medical expenses for maternity & childcare
Health check-up at time of renewal Annual
fees for doctors, diagnostics, medicines, (vaccination and nutrition consulting)
Organ transplant when medically necessary Covered up to Sum Insured
operation theatre, hospital under family floater plan.
Covered at acutal cost in Network hospitals
Emergency ambulance (*)
up to Sum Insured
accommodation and other
Domiciliary treatment
Covered up to Covered up to Covered up to related expenses. Emergency ambulance: Expenses incurred
Rs 75,000 Rs 1,00,000 Rs 2,50,000
Out-patient benefits covering specialist consultation and costs of Covered up to Covered up to Covered up to
Pre & post hospitalisation medical emergency to the nearest hospital.
diagnostics tests prescribed by them. Rs 10,000 Rs 15,000 Rs 20,000
expenses: Medical expenses incurred due
Additional services to illness up to 30 days period
24x7 healthline Available immediately before an insured person’s
Relationship manager Available
Pre-existing conditions: Benefits will not puberty; artificial life maintenance; If you would like to find out more, or would Call: 3300 3333 or
be available for pre-existing conditions circumcision; conflict and disaster; like a personal quote, please speak to our 1800 3010 3333 (Toll Free)
until 48 months of continuous coverage congenital conditions; convalescence specially trained sales team or your Max SMS “Maxbupa” to 53030 or
from first plan start date. and rehabilitation; cosmetic surgery; Bupa advisor. We are available to fully Log on to www.maxbupa.com
dental/oral treatment; eyesight; understand your requirements and help
90 days waiting period: We will not experimental treatment; health hydros, you select the right plan for you and your
cover treatment during first 90 days of nature cure, wellness clinics etc.; HIV family.
the plan, unless the treatment needed is and AIDS; hereditary conditions;
a result of an accident or emergency. non-allopathic treatment; obesity;
This waiting period does not apply for neurological and psychiatric conditions;
renewal plans. self-inflicted injuries; sexual problems
and gender issues; sexually transmitted
Specific waiting periods: For persons diseases; sleep disorders; speech
above 60 years of age some conditions disorders; treatment for developmental
will be subject to a waiting period of problems; treatment received outside
24 months. India; unrecognised physician or facility.
Co-pay: If any person is 65 years or For details of what is not covered please
above on the date of commencement of visit www.maxbupa.com/whatisnotcovered
the plan, we will pay 80% of reasonable
and customary charges.
12
I need to be absolutely clear about what I am not covered for.
Pre-existing conditions: Benefits will not puberty; artificial life maintenance; If you would like to find out more, or would Call: 3300 3333 or
be available for pre-existing conditions circumcision; conflict and disaster; like a personal quote, please speak to our 1800 3010 3333 (Toll Free)
until 48 months of continuous coverage congenital conditions; convalescence specially trained sales team or your Max SMS “Maxbupa” to 53030 or
from first plan start date. and rehabilitation; cosmetic surgery; Bupa advisor. We are available to fully Log on to www.maxbupa.com
dental/oral treatment; eyesight; understand your requirements and help
90 days waiting period: We will not experimental treatment; health hydros, you select the right plan for you and your
cover treatment during first 90 days of nature cure, wellness clinics etc.; HIV family.
the plan, unless the treatment needed is and AIDS; hereditary conditions;
a result of an accident or emergency. non-allopathic treatment; obesity;
This waiting period does not apply for neurological and psychiatric conditions;
renewal plans. self-inflicted injuries; sexual problems
and gender issues; sexually transmitted
Specific waiting periods: For persons diseases; sleep disorders; speech
above 60 years of age some conditions disorders; treatment for developmental
will be subject to a waiting period of problems; treatment received outside
24 months. India; unrecognised physician or facility.
Co-pay: If any person is 65 years or For details of what is not covered please
above on the date of commencement of visit www.maxbupa.com/whatisnotcovered
the plan, we will pay 80% of reasonable
and customary charges.
12
Platinum
Disclaimer: This is only a summary of the product features and is for reference purpose only. The details of benefits available shall be as
described in the Plan document, and will be subject to the Plan Terms, Conditions and Exclusions. Please call our customer service if you
require any further information or clarification.
Statutory warning: Prohibition of rebates (under Section 41 of Insurance Act 1938); no person shall allow or offer to allow either directly
or indirectly as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to life or
property, in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the plan, nor shall
any person taking out or renewing or continuing a plan accept any rebate, except such rebate as may be allowed in accordance with the
published prospectus or the tables of the insurer. Any person making default in complying with the provision of this section shall be
punished with fine, which may extend to five hundred rupees.