Max Bupa Health Insurance Company Limited

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Max Bupa Health Insurance Company Limited was established in the year 2010, and in the last decade, it has been able to establish itself as one of the most prominent and trusted health insurance companies. A joint venture between two prominent companies-Max India and Bupa, Max Bupa is a standalone health insurance company. Max India Limited, an Indian company, is an expert in the field of health insurance, and Bupa, on the other hand, is a multinational expert that has been providing healthcare services for over 60 years now. With such a strong foundation, Max Bupa Health Insurance Company is gradually making its way to the top of the health insurance market.

Along with witnessing phenomenal growth, the company continues to launch innovative health insurance products and plans which are unique and offer numerous benefits. Recently, the company has come-up with Max Bupa Health App that helps the policyholders manage their policy through their mobile phones. From OPD appointments with a doctor to a pathology lab, from e-consultations to getting medicine delivery, it is all possible through the app. 

In this article, we are going to take a look at the various Health Insurance plans offered by Max Bupa. 

Max Bupa Hospitalisation Plans

When you buy a health insurance plan, you cover yourself from medical and surgical expenses. Hospitalisation plans are supplementary to a health insurance plan. Max Bupa Health Insurance offers you an array of plans that are well-suited for different kinds of insurance needs. Let us take a look: 

Type of Insurance 

Main Features of the Insurance Plan

Max Bupa HeartBeat
  • Comprehensive health insurance plan
  • Available as an Individual and Family plan
  • Two Variants:
    • Silver - Cover up to INR 15 lakhs
    • Gold - Cover up to INR 50 lakhs
    • Platinum - Cover from INR 15 lakhs - INR 1 crore
  • Maternity and Newborn baby cover available
  • Policy Tenure 1 - 2 years
  • 10% increase in sum insured yearly as a loyalty benefit
  • Premium Starts From INR 16,414 for 1 year
Max Bupa ReAssure Family Floater
  • Available as an Individual and Family plan
  • Cover starts from INR 3 lakhs and goes up to INR 1 crore
  • Avail ReAssure benefit-unlimited reinstatements
  • Booster benefit of 50% increase in the sum insured for the claim-free year, max 100%
  • Free health check-ups for all members who are insured
  • Premiums paid to save you on taxes
  • Premium Starts From INR 9,111 per year
Max Bupa Health Companion
  • Comprehensive health insurance plan
  • Available as an Individual and Family plan
  • Can cover up to 19 family members
  • Entry Age from 90 days
  • Three Variants
    • Variant 1 - Cover INR 3 lakhs to INR 4 lakhs
    • Gold - Cover up to INR 50 lakhs
    • Platinum - Cover up to INR 1 crore to INR 3 crore
  • Policy Term 1 - 2 years
  • Annual and Bi-annual checks available
  • Cover alternate treatment
  • Hospital Cash payable
  • Premium Starts From INR 5,085 per year
Max Bupa GoActive
  • A plan that works for you daily
  • Available as an Individual and Family plan
  • Cover from INR 4 lakhs to INR 25 lakhs
  • 10 OPD-Consultation per year
  • No room capping
  • Early Age Advantage of 10% on joining before the age of 35 years
  • Daily Health Coach
  • Diagnostic tests Up to INR 2,500 per year per person
  • Premium Starts From INR 13,352 for a year
Max Bupa Health Premia
  • Comprehensive health insurance plan
  • Available as an Individual and Family plan
  • Sum Assured INR 5 lakhs to INR 3 crores
  • Three Variants
    • Silver - Cover up to INR 7.5 lakhs
    • Gold - Cover up to INR 50 lakhs
    • Platinum - Cover up to INR 1 crore to INR 3 crore
  • Covers maternity and newborn baby
  • Entry Age
    • Children – From 90 days - 30 years
    • Adults – From 18 to 65 years
  • Policy Term 1, 2 or 3 years
  • In-Built Travel Insurance
  • International Coverage
  • Premium Starts From INR 12,488 per year
Max Bupa Health Recharge Plan
  • A top-up plan to enhance your sum insured
  • Available as an Individual and Family plan
  • Family Combination of up to 2 adults and 4 children
  • Cover from INR 2 lakhs to INR 95 lakhs
  • No cap on room rent
  • E-Consultation
  • Covers Alternative Treatments 
  • Premium Starts From INR 3,762 for 1 year
Max Bupa Money Saver Health Insurance
  • Combination of 2 health plans- Companion and Recharge
  • Available as an Individual and Family plan
  • Family Combination of up to 2 adults and 4 children
  • Cover Starts from INR 10.5 lakhs to INR 1 crore
  • Entry Age
    • Children – From 91 days - 25 years
    • Adults – From 18 - 65 years
  • E-Consultation
  • Policy Term-1 - 2 years
  • Premium Starts From INR 8,181 per year
Max Bupa Super Saver Health Insurance
  • A combo health plan that offers affordable cover
  • Available as an Individual and Family plan
  • Cover from INR 10.5 lakhs to INR 1 crore
  • Enhanced No Claim Bonus up to 200% of the sum insured
  • Enhanced Refill Benefits up to 150% of SI
  • Free health check-ups from 2nd policy year
  • Family Combination of up to 2 adults and 4 children
  • Premium Starts From INR 9,214 per year
Max Bupa Health Pulse Plan
  • A pocket-friendly and affordable health insurance plan with wide coverage
  • Two Variants:
    • Classic - Cover up to INR 10 lakhs
    • Enhanced - Cover from INR 3 lakhs to INR 25 lakhs
  • Health check-ups from 2nd year of the policy
  • Refill benefits up to 100% of SI
  • Entry Age
    • Children – From 91 days - 25 years
    • Adults – From 18 - 65 years
  • Policy Term 1, 2 or 3 years
  • No Claim Bonus
  • Premium Starts From INR 8,339 per year

Max Bupa Health Insurance Fixed Benefits Plan


With the fixed-benefit health insurance plans, you can avail the sum insured at the time of the diagnosis or an accident. Such a plan comes in very handy as a supplement or as an additional source of fund during an insured health event.
 

Max Bupa Criticare Plan
  • The plan covers you for over 20 critical illnesses
  • Available as an Individual and Family plan
  • Cover from INR 3 lakhs to INR 2 crore
  • Lifelong Renewability
  • Family Combination of up to 2 adults
  • Discounts on Long Term policy of 2 or 3 years
  • Tax Benefits under Section 80D
  • Premium Starts From INR 12,521 per year
Max Bupa Accident Care Plan
  • A personal accident plan that offers a lot of benefits
  • Sum insured INR 5 lakh - INR 2 crores
  • Covers :
    • Permanent Total/Partial Disability
    • Accidental Death
  • Child Education Benefit - In the event of death/disability the plan offers a lump sum benefit
  • Family Combination of up to 2 adults and 4 children
  • Entry Age
    • Children – From 2 to 25 years
    • Adults – From 18 to 65 years
  • Policy Term 1, 2 or 3 years
  • Worldwide Coverage
  • Premium Starts From INR 6,444 per year

Standard Health Insurance Plans

From time to time, the government introduces health insurance schemes and initiatives for the people of the country. With the aim of improving the healthcare quotient these low-priced, easy-to-understand insurance policies offer a sizable sum insured.

Aarogya Sanjeevani
  • Simple and easy to understand health insurance plan at an affordable price
  • Offers Cover from INR 1 lakh to INR 5 lakhs
  • No medical screening till 55 years of age
  • Covers AYUSH treatment
  • Lifelong renewability
  • Tax benefits Under Section 80D
  • One Plan covers the whole family
  • 5% Cumulative Bonus up to 50% for each claim-free year
Corona Kavach
  • Health Insurance plan that covers your COVID-19 hospitalisation
  • Available as Individual and Family plan
  • Cover from INR 50,000 to INR 5 lakhs
  • Also covers Home Treatment up to Sum Insured
  • Policy Term 3 ½ months, 6 ½ months or 9 ½ month
  • Premium Starts From INR 1,039

Max Bupa Health Insurance Premium Payment Process

  • Online Method
    For paying your premier online, you simply need to log in to the official website, select the plan that you have to pay for, check the details and make the payment. You can choose any electronic medium to pay such as a debit or a credit card, a mobile wallet or through net banking.
  • Offline Method
    For paying your policy premium offline, you can physically visit an Axis bank branch or any Max Bupa Office near you and make the payment.

Max Bupa Health Insurance Policy Renewal Process

  • Online Method
    Renewal of your policy has been made very easy, in a few minutes you can complete the process. Visit the website or click https://transaction.maxbupa.com/pages/renew.aspx. Thereafter, enter the 14 digit policy number along with your date of birth and click ‘Submit’. You will now see your Payable Premium and can pay through your debit/ credit card, UPI wallets or net banking. Once you make the payment, you would receive your policy transaction number. You will also receive your New Policy Kit within 48 hours.
  • Offline Method 
    To renew your policy offline, you can make the due payment at an Axis bank branch or at any Max Bupa Office near you. To locate a nearby branch office, click: https://transaction.maxbupa.com/customer-care/health-services/contact-us.aspx

Max Bupa Health Insurance - Renewal of Expired Policy
 

The expiry date of a policy is mentioned clearly on the Policy Documents, you can also see the same by logging in to “My Account” on the official website. Once the policy expires, the 30-day Grace Period begins. When you do not renew your health insurance policy within the 30-day Grace Period then the policy will lapse. 

The policy may be renewed on your request and the company may issue you a fresh Policy, however, this would be subject to the company’s underwriting criteria. Depending on the terms and conditions of the plan that you have opted for you may or may not be required to pay a penalty. 

Max Bupa Health Insurance Claim Process 

For Max Bupa health insurance plan claim, you can follow any one of the given claim procedures. The way in which you can make a claim depends on whether you go to a network hospital or a non-network hospital. 

  • Cashless Claim
    When you choose a network hospital for your treatment, you can avail the facility of cashless treatment. At the time of admission, you need to produce your company-issued Health Card and submit the Pre-Authorisation Form at the help desk. Once your paperwork is verified by the company, your treatment can be started. The bills would be settled by the company.
  • Reimbursement Claim
    When you get admitted to a non-network hospital, make sure you inform the company at the earliest. Post-treatment, you would have to pay the bills yourself, however, you can claim reimbursement from the company. You would have to submit all the treatment-related documents along with the claim form. Once the paperwork is verified by the company, the reimbursement will be done in a few days.

Max Bupa Health Insurance Company Profile

In a time when the whole world is dealing with COVID-19, Max Bupa understands the importance of a good health insurance plan and helps its customers get access to excellent medical care. With your Max Bupa health insurance plan, you can avail cashless treatment in over 4,000 hospitals across the country. As the company has an in-house claim settlement team it promises to settle all claims within 30 minutes and also enjoys a Claim Settlement Ratio that goes as high as 92%. The company recorded an Incurred Claim Ratio of 54% in the financial year 2018-19. 

Max Bupa Health Insurance - Customer Care Details

Official Websitewww.maxbupa.com 
Email ID

customercare@maxbupa.com

seniorcitizensupport@maxbupa.com (For Senior Citizens)

WhatsApp Service Chat +91 9811956696
Phone Number0124-6355000
Toll-Free Number1860-500-8888
Corporate Office Address 

Max Bupa Health Insurance Company Limited,

14th Floor, Capital CyberScape,

Sector 59, Gurugram, Haryana

Max Bupa Health Insurance FAQs

  • Can I add a member to my health insurance policy during a policy term?

    No, any modifications that are to be made in a health insurance policy can only be made at the time of renewal.

  • Would my policy premium change if I change my address?

    Yes, a change of address may bring a change in the policy premium as it is calculated on the basis of your age and your current geographical location. Therefore, moving to a different zone, city or state may increase or decrease the premium.

  • How can I pay for my policy premiums?

    Depending on your convenience, you can pay premiums both online and offline. You can either pay online through a debit/credit card or net banking or mobile wallet. For offline payments, you can pay through cash or cheque or demand draft at a Max Bupa branch near you or at an AXIS Bank branch.

  • What was the latest CSR and ICR of Max Bupa Health Insurance Company?

    In the financial year 2018-19, the company recorded a Claim Settlement Ratio of  92% and an Incurred Claim Ratio of 54%.