Max Bupa Health Insurance | The extended family health coverage

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!