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Max Bupa Heartbeat Family Floater

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Max Bupa Heartbeat Family Floater Health Insurance Policy

 

Max Bupa Heartbeat Family Floater is a health insurance policy which covers cost of medical treatment, hospitalisation and day care procedures incurred by all the covered family members of maximum 2 adults and 2 children. The policy also provides maternity and child care benefits.

 

 

Key Features of Max Bupa Heartbeat Family Floater Health Insurance Policy

 

  • Wide cover on sum insured from Rs.2 lakhs to Rs.50 lakhs
  • No age restriction. Covers everyone from newborn to senior citizens
  • Assured renewal of policy for life
  • No intermediary TPA. Claims directly settled by Max Bupa
  • Covers maternity and new born baby including first year vaccinations
  • All Day Care procedures are covered without exceptions

 

Variants in Max Bupa Heartbeat Family Floater Health Insurance Plan

 

There are three variants available in Max Bupa Heart Beat Family Floater insurance policy. They are -

  1. Max Bupa Heartbeat Silver - Sum insured Rs.2 lakhs and Rs.3 lakhs
  2. Max Bupa Heartbeat Gold -  Rs.5 lakhs, Rs.7.5 lakhs, Rs.10 lakhs
  3. Max Bupa Heartbeat Platinum - Rs.15 lakhs, Rs.20 lakhs, Rs.50 lakhs

 

 

What is covered in Max Bupa Heartbeat Family Floater Insurance Plan?

 

  • Treatment expenses during hospitalisation which includes pre and post operative care
  • Expenses incurred on nursing, drugs and surgical dressings
  • All day care procedures which do not require hospitalisation like X-ray, Chemotherapy, Radiotherapy, pathology tests
  • Pre and post hospitalisation expenses for 30 days and 60 days respectively
  • Doctor’s consultation and fees
  • Hospital accommodation (single private room), operation theatre charges and intensive care unit (ICU) charges
  • Cost of medicines, drugs, other consumables and diagnostic tests
  • Maternity cover for up to 2 deliveries and new born baby cover
  • Domiciliary treatment 

 

Additional Benefits of Max Bupa Heartbeat Family Floater Health Insurance Plan

 

  • Domiciliary treatment (covered up to Rs.50,000 in a specific plan)
  • Emergency ambulance cost covered at actuals in network hospitals and up to Rs.2,000 otherwise
  • Expenses for organ donor of transplant
  • Health check-up expenses on every renewal
  • Cumulative benefit of 10% for every year on renewal
  • Vaccination for children covered in Platinum plan

 

 

Eligibility and Restrictions of Max Bupa Heartbeat Family Floater Insurance Policy

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

2,00,000

50,00,000

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

 

  • 2 adults
  • 2 adults + 1 child
  • 2 adults + 2 children
  • 1 adult + 1 child
  • 1 adult + 2 children

 

 

Tax Benefits Max Bupa Heartbeat Family Floater Insurance 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 Heartbeat Family Floater Insurance Policy?

 

  • Pre existing diseases for the first 4 policy years
  • Any illness or disease suffered in the first 90 days from the commencement of the policy except in case of an accident or emergency.
  • For persons over 65 yrs or above, 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)
  • Non-allopathic treatments, cosmetic surgery, obesity related treatments
  • Sleep disorders, self-inflicted injuries, addictive conditions and disorders
  • Puberty and ageing, artificial life maintenance, congenital and hereditary conditions
  • Dental or oral treatment, eyesight, experimental treatment
  • HIV and AIDS, hereditary conditions, neurological and psychiatric conditions, speech disorders, treatment for developmental problems, treatment received outside India, unrecognized physician or facility
  • For persons over 60 yrs of age, 24 month waiting period on some conditions

 

 

Alternate health insurance plans from other insurance companies

 

ICICI Lombard Family Floater Health Insurance

Apollo Munich Easy Health

IFFCO Tokio Swasthya Kavach Health Insurance

 

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