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Max Bupa Health Companion Plan

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Max Bupa Health Companion Plan

Max Bupa Health Companion Plan, offers comprehensive cover, with a combination of – Individual and Family Floater option.  The plan offers 3 variants of cover starting from Rs. 2 lacs to 1 crore, depending upon need.
 
 

Key Features of Max Bupa Health Companion Plan

  • Comprehensive cover up to Rs. 1 crore
  • Cash Facility – across 3500 network hospitals
  • Life Time Renewability 
  • Smart Top-up Option – offers additional coverage
  • Tax Benefit under section 80D of Income Tax Act.
 
 

How does the plan work?

The first criteria is to choose from is between Individual and Family cover option. The Family Cover is further available in 2 option, viz – Family Floater and Family First
Family Floater: You can choose sum insured from 3 variants of cover (for variants refer benefits illustration below). Here’s the tree diagram for better understanding.

Family Floater, is suitable for a nuclear family, its available in the following combinations:-
  • 1 Adult + 4 children (minimum 1, maximum 4)
  • 2 Adults 
  • 2 Adults + 4 children (minimum 1, maximum 4)
Family First: This plan is designed to cater health insurance needs of a joint family. There are 2 levels in this plan, viz - Individual Sum Insured and Floater Sum Insured
  • Individual Sum Insured – offers one flat sum insured for each family member
  • Floater Sum Insured – this cover works like a pool for all family members and be used by any member, once his/her individual sum insured is exhausted. The plan covers any of the below relationships:

Self

Grandfather

Spouse

Grandmother

Son

Grandson

Daughter-in-law

Granddaughter

Daughter

Brother

Son-in-law

Sister

Father

Sister-in-law

Mother

Brother-in-law

Father-in-law

Nephew

Mother-in-law

Niece

The plan covers:-
  • day care procedures
  • no limit to room rent accommodations
  • covers pre and post hospitalization expenses
  • One policy can cover 19 relationships
 

Benefit Illustration of Max Bupa Health Companion Plan

VARIANT 1 

Over all sum insured (in Rs.)

2 lacs

3 lacs

4 lacs

In- patient treatment

Doctors’ fees

Covered up to base sum insured

Covered up to base sum insured

Covered up to base sum insured

Diagnostics tests

Medicines, Drugs and Consumables

Nursing Charges

Intravenous fluids, blood transfusion, injection administration charges

Operation theatre charges

Cost of prosthetics and other devices or equipment, if implanted directly during surgical operation

Intensive Care Unit charges

Hospital Accommodation

Pre & post hospitalization expenses

Day Care Procedures

Organ Donor

Other Benefits

Emergency Ambulance

up to Rs. 3000

No Claim Bonus

20% of base sum insured up to a of max 100%

Refill Benefit

Up to Base sum insured

Vaccination in case of animal bite

Up to Rs. 2500

Ayush Treatment

Up to Base sum insured

Health Checkup

Once in 2 years

Domiciliary hospitalization

Covered up to base sum insured

Customer Level Endorsement

Top-up plan on annual aggregate basis

Deductible of Rs. 1,2,3,4,5 and 10 lacs

Treatment only in tiered network

Option available to Zone 2 customer

Hospital Cash

1000/day


VARIANT 2

Over all sum insured (in Rs.)

5 lacs

7.5 lacs

10 lacs

12.5 lacs

In- patient treatment

 

Doctors’ fees

Covered up to base sum insured

Covered up to base sum insured

Covered up to base sum insured

Covered up to base sum insured

Diagnostics tests

Medicines, Drugs and Consumables

Nursing Charges

Intravenous fluids, blood transfusion, injection administration charges

Operation theatre charges

Cost of prosthetics and other devices or equipment, if implanted directly during surgical operation

Intensive Care Unit charges

Hospital Accommodation

Pre & post hospitalization expenses

Day Care Procedures

Organ Donor

Other Benefits

Emergency Ambulance

up to Rs. 3000

 

No Claim Bonus

20% of base sum insured up to a of max 100%

 

Refill Benefit

Up to Base sum insured

 

Vaccination in case of animal bite

Up to Rs. 5000

 

Ayush Treatment

Up to Base sum insured

 

Health Checkup

Annual

 

Domiciliary hospitalization

Covered up to base sum insured

 

Customer Level Endorsement

Top-up plan on annual aggregate basis

Deductible of Rs. 1,2,3,4,5 and 10 lacs

 

Treatment only in tiered network

Option available to Zone 2 customer

 

Hospital Cash

2000/day

 

VARIANT 3

Over all sum insured (in Rs.)

15 lacs

20 lacs

30 lacs

50 lacs

1 crore

In- patient treatment

   

Doctors’ fees

Covered up to base sum insured

Covered up to base sum insured

Covered up to base sum insured

Covered up to base sum insured

 

Diagnostics tests

Medicines, Drugs and Consumables

Nursing Charges

Intravenous fluids, blood transfusion, injection administration charges

Operation theatre charges

Cost of prosthetics and other devices or equipment, if implanted directly during surgical operation

Intensive Care Unit charges

Hospital Accommodation

Pre & post hospitalization expenses

Day Care Procedures

Organ Donor

Other Benefits

Emergency Ambulance

Up to Rs. 3000

   

No Claim Bonus

20% of base sum insured up to a of max 100%

   

Refill Benefit

Up to Base sum insured

   

Vaccination in case of animal bite

Up to Rs. 7500

   

Ayush Treatment

Up to Base sum insured

   

Health Checkup

Annual

   

Domiciliary hospitalization

Covered up to base sum insured

   

Customer Level Endorsement

Top-up plan on annual aggregate basis

Deductible of Rs. 1,2,3,4,5 and 10 lacs

   

Treatment only in tiered network

Option available to Zone 2 customer

   

Hospital Cash

4000/day

   

FAMILY FLOATER

Over all sum insured (in Rs.)

Individual and Floater Sum Insured

Per insured person

Floating basis

10,15 and 20 lacs

1,2,3,4,5 and 10 lacs

3,4,5 lacs

In- patient treatment

Doctors’ fees

Covered up to base sum insured

Covered up to base sum insured

Covered up to base sum insured

Diagnostics tests

Medicines, Drugs and Consumables

Nursing Charges

Intravenous fluids, blood transfusion, injection administration charges

Operation theatre charges

Cost of prosthetics and other devices or equipment, if implanted directly during surgical operation

Intensive Care Unit charges

Hospital Accommodation

Pre & post hospitalization expenses

Day Care Procedures

Organ Donor

Other Benefits

Emergency Ambulance

up to Rs. 3000

No Claim Bonus

20% of individual base sum insured up to a of max 100% of individual base sum insured

Refill Benefit

Up to Base sum insured

Vaccination in case of animal bite

Up to Rs. 5000

Ayush Treatment

Up to Base sum insured

Health Checkup

Annual

Domiciliary hospitalization

Covered up to base sum insured

Customer Level Endorsement

Top-up plan on annual aggregate basis

Deductible of Rs. 1,2,3,4,5 and 10 lacs

Treatment only in tiered network

Option available to Zone 2 customer

Hospital Cash

1000/day or 2000/day



 

Additional Features of Max Bupa Health Companion Plan

Cash Less Facility – across 3500 network hospitals

Complimentary Health Checkup – as per plan eligibility

No Claim Bonus – base sum insured increase by 20% for each claim-free year, maximum increase up to 100%

Ayush Treatment – allows to opt for Ayurveda, Unani, Siddha and Homeopathy treatments.

Discounted Policy Tenure – option to opt for 2 years and earn discount of Rs. 12.5% on 2nd year’s premium.

Free look period – If the policy holder is not convinced with the terms and conditions of the policy, s/he can cancel the same within 15 days of the receipt of policy document.

 

Exclusions - What is not covered in Max Bupa Health Companion Plan? 

  • Preexisting diseases – individual and floater benefits will not be available for sum insured up to 4 lacs until 48 months. For Family First plan and sum insured 5 lacs and above benefits shall be available after 36 months.
  • 30 days waiting period – only treatment out of accident will be covered
  • Specific waiting period and Permanent Exclusions – please refer to policy wordings.
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