Health Companion

In-patient Care (Hospitalisation)

• We cover cost of medical treatment when you or your insured family members are hospitalised for treatment.

Hospital Accommodation

• We cover cost of all types of hospital accommodation (except suite or above room category) without any capping on room rent charges.

Pre & Post Hospitalisation Medical Expenses

• We shall reimburse pre & post hospitalisation medical expenses incurred due to illness/injury. The period of the treatment which we will cover should be 30 days before you get admitted to a hospital and 60 days after you get discharged from the Hospital. This is subject to Max Bupa accepting the Inpatient Care hospitalisation claim.

All day care treatments covered

• We cover all day care treatments, not a select few. However, such a procedure should not be in the outpatient department of a hospital.

Refill Benefit

• In case you have exhausted your Base Sum Insured and No Claim Bonus partially or completely, under this benefit, you are entitled for an additional sum insured equal to the base sum insured for a subsequent claim in the same year, provided it is for an unrelated illness. (This feature is not available under family first)

Alternative treatments

• Avail In-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured.

Renewal Benefit

• You would be entitled to both the benefits as renewal benefit:

No Claim Bonus

• Increase in Sum Insured @20% of Base Sum Insured subject to the maximum of 100% of Base Sum Insured for each claim free year with no penalization in case of claim

Health Check up

• Avail Heath Check up for yourself and your family once in two years (for variant 1) or annually (for variant 2, 3 & family first) so that you live a healthier and happier life.

2 year Policy Tenure Option

• When you take a policy for two years, you get 12.5% discount on the second year premium.

Emergency Ambulance

• We also cover the ambulance expenses to transfer the insured following an emergency to the nearest hospital. These expenses are paid up to Rs 3,000 only if we have accepted the In-patient claim.

Organ Transplant

• Medical Expenses for an organ donor’s In-patient treatment for the harvesting of the organ donated is also covered provided the organ is for the use of the Insured Person.

Domiciliary Treatment

• In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; we pay for medical treatment taken at home, which would otherwise have required hospitalisation. Such treatment should continue for at least 3 consecutive days and confirmation from treating Medical Practitioner / Insured that Insured Person could not be transferred to the Hospital or Hospital bed was unavailable, as the case may be.

Vaccination in case of Animal Bite

• We will cover Medical Expenses of OPD Treatment for vaccinations or immunizations for treatment post an Animal Bite. This benefit is available only on reimbursement basis.
  (up to Rs 2,500 for variant 1; up to Rs 5,000 for variant 2 & family first; up to Rs 7,500 for variant 3)

Hospital Cash (Optional)

• A lumpsum payment for each 24 hours of hospitalisation in addition to the in-patient treatment benefits is made. To avail this benefit minimum 48 hours of hospitalisation required. This benefit is over and above the sum insured. The benefit is payable for up to 30 days of hospitalisation. No payment shall be made under this, in case of Domiciliary Hospitalization.
  (Rs 1,000/Day for variant 1; Rs 2,000/Day for variant 2; Rs 4,000/Day for variant 3; Rs 1,000/Day or Rs 2,000/Day for Family First)

Tax Benefit

• You will save tax under Section 80D of the Income Tax Act when you buy a Max Bupa health insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

Assured Policy Renewal for Life

• Once insured with us, you will always remain our customers subject to continued payment of premium. We assure you renewability for life with no extra loadings based on your claim history.

Direct Claim Settlement

• We believe you should focus on the treatment of your loved ones rather than running after claim settlement. Therefore, all claims are processed directly by our own customer services team.

Cashless Facility

• You can access cashless facility at your nearest network hospital.

Free Look Period

• We endeavor for transparency and complete satisfaction and therefore, our policies are transparent and easy to understand. If you are not satisfied, we provide a 15 day free look period within which you can cancel your plan stating the reason.

Information at your fingertips

• As a Max Bupa Policyholder you can access your details on our website containing your claims history, your favourite health information, your health profile, including records of tests you may have taken while enrolling with us.
• Benefits will not be available for Pre-existing Diseases until 48 months of continuous coverage from first policy start date for Variant 1 and 36 months of continuous coverage from first policy start date for Variant 2, Variant 3 and Family First.
• Some conditions will be subject to a waiting period of 24 months and will be covered in the third policy year only.
• We will not cover treatment during the first 30 days of the policy,unless the treatment needed is a result of an Accident occurring during the policy period.
  This waiting period does not apply for renewal Policy.

Permanent Exclusions

• Ancillary Hospital Charges
• Hazardous Activities
• Artificial life maintenance
• Behavioral, Neurodevelopmental and Neurodegenerative Disorders
• Circumcision
• Complementary & Alternative Medicine
• Conflict & Disaster
• External Congenital Anomaly
• Convalescence & Rehabilitation
• Cosmetic and Reconstructive Surgery
• Dental/oral treatment
• Eyesight & Optical Services
• Experimental/Investigational or Unproven Treatment
• HIV, AIDS, and related complex
• Hospitalization not justified
• Inconsistent, Irrelevant or Incidental Diagnostic procedures
• Mental and Psychiatric Conditions
• Non-Medical Expenses
• OPD treatment
• Obesity and Weight Control Programs
• Off- label drug or treatment
• Puberty and Menopause related Disorders
• Reproductive medicine & other Maternity Expenses: Any assessment or treatment method
• Robotic Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) & Light based Treatment
• Sexually transmitted Infections & diseases
• Sleep disorders
• Substance related and Addictive Disorders
• Unlawful Activity
• Treatment received outside India
• Unrecognized Physician or Hospital
• Any costs or expenses specified in the list of expenses generally excluded at Annexure II of policy wording
• For complete list of exclusions, please refer policy terms and conditions.

Health Companion can be issued to an individual customer, a family (family floater) and/or extended family (family first).

We cover families across life stages – from new born (at least 90 days) to senior citizens of any age. There is no maximum age for enrollment.

The maximum entry age of any dependent as a child in a family floater policy is less than 21 years

If any Insured Person who is a child and has completed Age 21 years at the time of Renewal in a family floater policy, then such Insured Person will have to take a separate policy

Individual & Family floater sum Insured Options:

• Variant 1: Rs 3 Lacs & Rs 4 Lacs
• Variant 2: Rs 5 Lacs, Rs 7.5 Lacs, 10 Lacs & 12.5 Lacs
• Variant 3: Rs 15 Lacs, Rs 20 Lacs, Rs 30 Lacs, Rs 50 Lacs & Rs 1 Crore

Family first sum Insured Options

• Individual Base Sum Insured: Rs 1 Lac, Rs 2 Lacs, 3 Lacs, Rs 4 Lacs, Rs 5 Lacs & Rs 10 Lacs
• Floater Base Sum Insured: Rs 3 Lacs, Rs 4 Lacs, Rs 5 Lacs, Rs 10 Lacs, Rs 15 Lacs & Rs 20 Lacs

Top Up with Annual Aggregate Deductible Option of Rs 1 Lacs, Rs 2 Lacs, Rs 3 Lacs, Rs 4 Lacs, Rs 5 Lacs & Rs 10 Lacs