Max Bupa Heartbeat Family First

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Max Bupa Heart Beat Family First Health Insurance Policy

 

Max Bupa Heartbeat Family First health insurance policy takes care of all medical expenses incurred by individuals and family. This plan has been specially designed keeping the Indian Joint Family System in mind such that it covers up to 13 relationships and 50 family members. One cover for the entire family including in-laws, grandchildren, spouse, children, parents etc. In this plan, you need to choose Individual Sum Assured and then Floater Sum Assured.  The Floater Sum Assured cover is available to all family members and can be used once the Individual Sum Insured is exhausted.


 

Key Features of Max Bupa Heart Beat Family First Policy

 

  • Cover for up to 13 relationships and 50 family members
  • Assured plan renewal for life
  • Cashless facility
  • Direct Claims settlement by Max Bupa. No TPA involved
  • No age restriction to cover family members like senior citizens or new born baby
  • All day care procedures are covered without exceptions
  • Health check-up on renewal
  • Access to health advice 24/7
  • Very limited exclusions
  • Maternity benefits for up to 2 deliveries
  • New born baby automatically covered from birth till next policy renewal
  • Vaccinations for new born baby covered for first year
  • Enrollment to health loyalty programme which gives access to health services and products up to 10% of renewal amount

 

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Variants in Max Bupa Heart Beat - Family First Plan

 

There are two variants available in Max Bupa Heart Beat Family First policy:

  1. Family First Silver
  2. Family First Gold

 

 

What is covered in Max Bupa Heart Beat Family First Plan?

 

  • In-patient treatments hospitalisation, including pre and post operative care
  • Maternity cover for up to 2 deliveries
  • New born baby cover
  • Doctor’s fees, nursing care, cost of surgical dressings and drugs
  • Operation theatre charges, hospital room rent and ICU charges
  • Prosthetic implants
  • Cost of diagnostic tests like X-ray, blood test
  • Cost of medicines and drugs and consumables
  • All day care procedures which do not require hospitalisation like Chemotherapy, Radiotherapy etc
  • Pre and post hospitalisation expenses
  • Emergency ambulance charge – at actual cost in network hospital and up to Rs 2,000 in non-network hospitals
  • Organ transplant if medically necessary

 

 

Additional Benefits of Max Bupa Heart Beat Family First Policy

 

  • 10% cumulative benefit every year on renewal
  • Domiciliary treatment covered
  • Emergency ambulance cost covered at actuals in network hospitals and up to Rs.2,000 otherwise
  • Health check-up expenses
  • Claims of Gold customers get personally attended by assigned Relationship Managers

 

 

Eligibility and Restrictions of Max Bupa Heart Beat - Family First Policy

 

 

Minimum

Maximum

Individual Cover per insured person (in Rs.)

1,00,000

5,00,000

Floater Cover (in Rs.)

3,00,000

15,00,000

Policy Term (in years)

1

1

Entry Age (in years)

0

No restriction

Renewable till Age (in years)

-

Life long

 

 

Family floater policy will cover

 

Under this plan, each and every member of the family upto 13 relationships and 50 members are covered.

 

 

Tax Benefits in Max Bupa Heart Beat Family First Policy

 

Health Insurance premiums paid up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

 

 

Exclusions - What is not covered in Max Bupa Heart Beat - Family First Policy?

 

  • Pre existing diseases will not be covered for the first 4 policy years given there has been continuous renewal from the policy start date
  • Treatment done in the first 90 days from the commencement of the policy, unless the treatment is done as a result of accident or emergency. This is referred to as a waiting period
  • Only 80% payment made by company for individuals aged 65 yrs or above
  • The waiting period for specific conditions in people above 60 years age will be 24 months
  • If a person enters the policy at the age of 65 or above, then the company will pay only 80% of the reasonable charges and the balance 20% has to be borne by the policy holder (referred to as Co-payment)
  • Permanent exclusion on as cosmetic, obesity or non-allopathic treatments
  • Self-inflicted injuries, sleep disorders, speech disorders
  • Ageing and puberty related, congenital and hereditary diseases, addictive conditions, artificial life maintenance
  • Dental/oral treatment, eyesight, experimental treatment
  • HIV and AIDS, hereditary
  • Treatments received outside India

 

 

Alternate health insurance plans from other insurance companies

 

Star Family Health Optima Insurance Plan

Tata AIG Wellsurance Family Cover

Apollo Munich Easy Health Family Plan

 

 

Other Health plans from Max Bupa

 

Max Bupa Heartbeat Family Floater

Max Bupa Heartbeat Individual

~ By Deepak Yohannan
Note: This is a statement of facts based on the information collected from the Max Bupa Heartbeat Family First brochure and insurance company's website. It should not be construed as a Critical or Favourable Max Bupa Heartbeat Family First Review, Analysis or Recommendation.
Insurance is a subject matter of the solicitation.


Leave a Comment

i am interested in the family first plan.kindly revert back to me if possilble with the concerned plan details on my mail id which i have mentioned.i want to cover me,my self 53 year Wife 45 year and my 3son 24/22/19 year and if i take the floater cover of 5l, are we all covered in it ? and how much premiun i would have to pay annually + its benefits or which plan is best suited for me.thanks

By Abdullha Munshi on Aug 15, 2013 Reply

Dear Abdullha, the annual premium for 5 adults in this plan will come to Rs. 36,276 - all would get covered to the tune of 5 lakhs collectively.

This is a good plan and you can definitely go in for it. Benefits are as mentioned in the explanation above.

You can also refer to the company brochure for more details.

http://www.myinsuranceclub.com/Brochures/Max-Bupa-Heartbeat-Policy-Brochure.pdf

Replied By Admin (MIC Staff) on Aug 16, 2013 Reply

plz give me a bast halth plan

By Pradeep Sharma on Feb 15, 2013 Reply

ma age is 52 will u plz tell me d best medical health poicy

By Sudesh on Jun 08, 2012 Reply

I would like to purchase this as new policy. My wife is 2 month pregnant. Will this policy cover this maternity expanses.

By Manish Gupta on May 16, 2012 Reply

Good Morning i need the family health insurance plan which include my self 31year, Father 65year, Mother 56years, Wife 27year, son 4th month .Pls, tell me which plan is suitable for me alongwith premium per annum as well as per month details.

By Colinlomath on Mar 24, 2012 Reply

i am interested in the family first plan.kindly revert back to me if possilble with the concerned plan details on my mail id which i have mentioned.i want to cover me,my wife and my mother.
and if i take the floater cover of 3l, are we all covered in it ? and how much premiun i would have to pay annually + its benefits or which plan is best suited for me.thanks

By Ankur Suri on Mar 09, 2012 Reply

I need the family health insurance plan which include my self 31year, Father 65year,Wife 30year,Daughter8year & Son 4year.Pls, tell me which plan is suitable for me alongwith premium per annum as well as per month details.

By Dilipkumar G Shukla on Jan 15, 2012 Reply

i need the family health insurance plane which include my self 30year, mother 62year, father age is 68year, pls, tell me which plan is suitable for me alongwith premium per annum.

By Mukesh Warange on Jan 01, 2012 Reply

I would like to join in your health policy . Please provide me good and proper plan details and it benifits in future.

Thanks.
By Mohammad Mulazim
Date;- 19th Oct. 2011.

By Mohammad Mulazim on Oct 19, 2011 Reply

Family First policy is very good for joint family. It i great that for one premium we can cover all family members!

By Mr Gadgil on Aug 19, 2011 Reply

buy online

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