Health Insurance - Cover all your excuses with Max Bupa Health Insurance

Health Insurance - Cover all your excuses with Max Bupa Health Insurance

Health Insurance

Today’s modern lifestyle leads to sudden illnesses or accidents. These events force us to spend our savings on paying hospitals bills. Sometimes these diseases also force us to spend days or months in hospital or at home recovering. While we recover we also lose our earnings.

You need to protect yourself with a health insurance policy even if:

- You are young and healthy
- Your company covers you and your family
- You think you have enough savings

Deutsche Bank has tied up with Aditya Birla Health Insurance and Max Bupa Health Insurance, leading health insurance companies to offer wide range of health insurance products and solutions to suit your insurance needs.

Apply Now | SMS HEALTH to 561615

Buy Aditya Birla Health Insurance Online Now | Buy Max Bupa Health Insurance Online Now

Renew Max Bupa Health Insurance Online | How to save tax?

Aditya Birla Health Insurance

Benefits:

  • A wide choice of sum insured options
  • A first of its kind choice of hospital room category
  • Coverage for diseases like diabetes, hypertension, high cholesterol and asthma
  • Rewards up to 30% of premiums back as HealthReturnsTM on staying active
  • Family discount and long term policy discount
  • Life-long renewability
  • Annual health check-up starting from first year itself
  • 24x7 claims assistance on Aditya Birla Health Insurance toll free number
  • Cashless facility at wide network of quality hospitals
  • Tax benefits as per Section 80D of income tax act

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    Enhanced Plan
    • Sum Insured Range: Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 6 lakhs, Rs. 7 lakhs, Rs. 8 lakhs,
      Rs. 9 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 25 lakhs, Rs. 30 lakhs, Rs. 40 lakhs, Rs. 50 lakhs, Rs. 100 lakhs, Rs. 150 lakhs and Rs. 200 lakhs.
    • Term: 1, 2 or 3 years.
    • Eligibility: Minimum entry age - 91 days, Maximum entry age - no limit
    • Pre-existing disease waiting period: 36 months
    • Zone based coverage and premiums are charged accordingly.

    Coverage

    • In-patient Hospitalization: Aditya Birla Health Insurance will cover expenses such as hospital room rent, doctor’s fee, operation theatre expenses and other consumables under the policy as per your eligibility.

      You have a choice to select your hospital room category:
      • Any room (available for sum insured greater than Rs. 7 lakhs)
      • Single Private Room
      • Shared Room (available for sum insured less than Rs. 5 lakhs)
    • Benefit for Hospital Room Choice: Aditya Birla Health Insurance gives you the flexibility on choosing the room category that you want, but if you get treated in a lower room category than eligible, you get a pre-defined percentage of payable claims back in the form of HealthReturnsTM.
    • HealthReturnsTM: Aditya Birla Health Insurance policy rewards you for staying fit and healthy and these rewards are accumulated in the form of HealthReturnsTM. You can use these rewards for something as small as getting medicines for a fever or even for a surgery that is not covered due to a waiting period or excluded in the policy. You can also use this for paying your future premiums.
    • Chronic Management Program: Aditya Birla Health Insurance cover chronic illnesses of diabetes, hypertension, high cholesterol and asthma. The team of specialists and doctors help you keep these conditions in control through consultation with medical practitioners, diagnostics tests and pharmacy benefits.
    • Worldwide Emergency Assistance Services: Where a medical facility is not available near you and you need immediate medical help, Aditya Birla Health Insurance will evacuate you in an air ambulance if required, and then take you back home.
    • Reload of Sum Insured: In case the sum insured with cumulative bonus (if any) is insufficient as a result of previous claims in that policy year, then you get an additional sum insured for your health needs resulting out of an illness unrelated to previous claims in that policy year.
      In case of a hospitalisation due to an accident, reload of sum insured can be triggered in the 1st claim itself.
    • Pre and post hospitalization Medical Expenses: Aditya Birla Health Insurance cover your expenses 60 days before you get admitted to a hospital and 180 days after you get discharged from a hospital, if your in-patient hospitalization claim has been accepted.
    • Day Care Treatment: Certain medical procedures do not require a 24-hour hospitalization; Aditya Birla Health Insurance will cover you for such 527 day care procedures.
    • Organ Donor Expenses: In case of organ transplants, Aditya Birla Health Insurance not only cover you but also covers the medical expenses of the organ donor for harvesting the organ.
    • Road Ambulance Cover: In case of an emergency, Aditya Birla Health Insurance will cover costs incurred on transportation to a hospital as per actuals if services are availed from a network provider and Rs. 5,000 per hospitalization in a non-network provider.
    • Domiciliary Hospitalization:Aditya Birla Health Insurance will cover your medical expenses in case you need to get treated at home, if your health condition did not allow hospital transfer or due to unavailability of a bed at the hospital.
    • Health Check-up Program:Aditya Birla Health Insurance provide a free health check-up for each adult once in a policy year customized to the life stage you are in.
    • Cumulative Bonus: Aditya Birla Health Insurance increases the sum insured by 20% each year that you do not claim, maximum up to a 100%. There is no claw back of this bonus even if you claim in subsequent years.
    • Recovery Benefit:If you are hospitalised for at least 10 consecutive days then Aditya Birla Health Insurance give you a lump sum amount of 1% of Sum Insured, max of Rs. 10,000.
    • Second E-Opinion on Critical Illness: Aditya Birla Health Insurance provide you with a second e-opinion for 11 Critical Illnesses through a consortium of well qualified international specialists.
    • Wellness Coach: Aditya Birla Health Insurance team of specialised wellness coaches guide you through your wellness journey by giving you advise on nutrition, fitness, weight management and tobacco cessation.
    • Deductible: Aditya Birla Health Insurance offer deductible options that apply on the sum of all admissible claims in that policy year.

      Sum Insured: Rs. 6 lakhs, Rs. 7 lakhs, Rs. 8 lakhs, Rs. 9 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 25 lakhs

      Deductible options: Rs. 25,000, Rs. 50,000, Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs.

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    Waiting periods and key exclusions
    • First 30 days waiting period: Any treatment during the first 30 days from the policy start date shall not be covered, unless the treatment is required as a result of an accident.
    • Two years waiting period: Two years waiting period will be applicable for specific illnesses / conditions and their complications.
    • Pre-existing disease waiting period: 36 months waiting period will be applicable for any pre-existing diseases / illness / injury / conditions.

    Key Exclusions:

    Aditya Birla Health Insurance will not pay any claims arising out of or attributable to any of the following:

    • HIV / AIDS and its complications
    • Genetic disorders
    • Mental disorders
    • Treatment for alopecia, baldness
    • Dental treatment and surgery
    • Cosmetic and aesthetic surgeries
    • Suicide or drug abuse

    The above list is only indicative and not exhaustive. Please refer to the policy terms and conditions for complete details. These exclusions and waiting periods don’t apply to HealthReturnsTM.

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    Max Bupa Heartbeat

    Heartbeat Health Insurance Plan is an individual and family oriented (Family Floater as well as extended family cover called Family First) health insurance cover which is simple to buy and easy to understand. In addition to comprehensive health insurance cover to suit our customers needs, this plan helps our customers care for their health proactively over time and according to their profile.

    Benefits:

    • Direct Service - no TPAs (Third Party Administrators) for claims: Customers talk to Max Bupa directly, not through any third parties.
    • Assured plan renewable for life: Assured renewability of Max Bupa policy for lifetime*.
    • No age restriction for enrollment: Covers families across life stages - from newborn to senior citizens of any age. There is no minimum or maximum age for enrollment.
    • Cashless facility at quality network hospitals: Customers can access cashless facility at quality network hospitals.
    • Maternity** and child care*** benefits: New born babies are automatically covered till the next renewal under parents family floater**.
    • Most comprehensive coverage: All day care procedures taken as inpatient are covered, not a select few. Heartbeat has limited exclusions, whether it is one year, two year or permanent exclusions. For Platinum Policyholders, even cover Second E-Opinion for a life threatening medical condition.
    • Customization to suit customer’s needs: Heartbeat is designed to offer flexibility to our customers. It provides various options to customize the plan according to their needs.

    Heartbeat Individual and Family Floater - Gold Policy

    Heartbeat Individual and Family Floater - Platinum Policy

    Heartbeat Family First Plan - Silver Policy

    Heartbeat Family First Plan - Gold Policy

    Heartbeat Family First Plan - Platinum Policy

    Heartbeat Policy Terms and Exclusions


    Buy Max Bupa Health Insurance Online Now

    *Subject to continuous payment of premium.

    **Maternity claim would be payable after we have received at least 3 continuous annual premiums for the Insured Person in respect of whom a claim is made.

    *** Subject to maternity claim being payable under the policy.

    Max Bupa Health Assurance

    Health Assurance is an individual and family oriented health insurance cover, this plan provides you the option to choose from the following benefits:

    • Critical Illness Cover
    • Personal Accident Cover

    These benefits can be bought individually or can be clubbed together for total protection.

    Benefits:

    • Guaranteed cash benefits: Health Assurance pays fixed cash benefit irrespective of the expenses involved giving customers the freedom of choice. Customers have better control in managing their finances in terms of prioritizing expenses as per their needs.
    • Direct Service - no TPAs (Third Party Administrators) for claims: Customers talk to Max Bupa directly, not through any third parties.
    • Assured plan renewable for life: Assured renewability of Max Bupa policy for lifetime.
    • Two year policy discount: A two year policy option in all Health Assurance Individual and Family Floater plans helps customers to save upto 20% on premium as compared to a yearly policy.
    • Tax Savings: As with all health insurance policies, you may save tax under Section 80D of the Income Tax Act**.

    Health Assurance AccidentCare

    Health Assurance CritiCare


    Buy Max Bupa Health Insurance Online Now

    **Tax benefits are subject to changes in tax laws.

    Max Bupa Health Companion

      Health Companion Individual and Family Floater

      A cost-effective plan with a host of benefits like direct claim settlement, pre and post hospitalisation expenses and a cover of up to Rs. 1 crore. This plan includes assured renewal for life.

      Features - Variant 1

      • Sum Insured Options of Rs. 2 lakhs, Rs. 3 lakhs and Rs. 4 lakhs.
      • Top Up with Annual Aggregate Deductible Options of Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs,
        Rs. 5 lakhs and Rs. 10 lakhs.
      • In-patient Care (Hospitalisation): We cover the cost of medical treatment when you or your insured family members are hospitalised for treatment.
      • Hospital Accommodation: We cover the cost of all types of hospital accommodations without any capping on room rent charges.
      • Pre and Post Hospitalisation Expenses: We reimburse the medical expenses incurred due to illness, covering 30 days before hospitalisation and 60 days after discharge. This is subject to acceptance of the in-patient care hospitalisation claim.
      • Refill Benefit: You are entitled to an additional sum insured equal to the base sum insured for an upcoming claim in the same year provided:

        • You have exhausted your base sum insured and no claim bonus partially or completely.
        • It is for an unrelated illness.

      • AYUSH In-patient Cover: We cover in-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured.
      • Renewal Benefit: You are entitled to the following benefits after renewal:

        No Claim Bonus: For every claim-free year, you get 20% additional sum insured. This is subject to a
          maximum of 100% of base sum insured provided there is no penalization in case of claim.
        Complementary Health Check-up: Every two years, get a free health check-up with our empanelled service
          providers for yourself and your family.

      • Organ Transplant: We also cover medical expenses for an organ donor’s treatment for harvesting of the organ.
      • Domiciliary Treatment: We cover the medical treatment given at home, in case a bed in the hospital is unavailable or the patient has been advised treatment at home by the attending medical practitioner.
      • Emergency Ambulance: We cover costs up to Rs. 3,000 incurred towards emergency ambulance. The expenses are paid once an in-patient claim has been accepted.
      • Information at your fingertips: As a Max Bupa Policy holder, get access to your own page on our website. Store your claims history, favourite health information, health profile and records of tests taken with us.
      • Tiered Network Option:

        Zone 1: Delhi/NCR, Mumbai (including suburbs), Bengaluru, Chennai, Surat, Pune,
          Hyderabad, Kolkata, Ahmedabad.
        Zone 2: Rest of India.

        If you reside at any location in India outside Zone 1, you get to choose from a tiered network of cities. This provides you with:

        • Cashless facility in Zone 2 cities.
        • Reimbursement facility in Zone 1 cities with 20% co-payment.
        • 10% discount for your premium calculation.

      • Direct Claim Settlement: Settle your claims directly with us, without any third party involvement.
      • Cashless Facility: Get cashless treatment at a network of quality hospitals.
      • 2 Year Policy Tenure Option: Get a discount of 12.5% on the second years policy premium when you take a policy for 2 years.
      • Assured Plan Renewable for Life: Assured renewability of Max Bupa policy for lifetime*.
      • Any Age Enrolment: Get coverage for every member of your family, irrespective of age, from the age of 91 days to senior citizens. There is no maximum age for enrolment.
      • Tax Savings: As with all health insurance policies, you may save tax under Section 80D of the Income Tax Act**.
      • Free Look Period: Get a 15 day free look period in which you can cancel your policy by simply stating the reason. Our aim is your complete satisfaction; therefore we provide this window to cancel the policy if you are unsatisfied.
      • Hospital Cash - Rs. 1,000 per day (Optional): Get a lump sum payment for every day of hospitalisation in addition to in-patient benefits. This amount is over and above the sum insured, payable for up to 30 days of hospitalisation.

      *Subject to continuous payment of premium.

      **Tax benefits are subject to changes in tax laws.

      Features - Variant 2

      • Sum Insured Options of Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs and Rs. 12.5 lakhs.
      • Top Up with Annual Aggregate Deductible Options of Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs,
        Rs. 5 lakhs and Rs. 10 lakhs.
      • In-patient Care (Hospitalisation): We cover the cost of medical treatment when you or your insured family members are hospitalised for treatment.
      • Hospital Accommodation: We cover the cost of all types of hospital accommodations without any capping on room rent charges.
      • Pre and Post Hospitalisation Expenses: We reimburse the medical expenses incurred due to illness, covering 30 days before hospitalisation and 60 days after discharge. This is subject to acceptance of the in-patient care hospitalisation claim.
      • Day-Care Treatment Cover: We cover all day care treatments, not just a select few. However, the treatment should not be taken in the outpatient department of the hospital.
      • Refill Benefit: You are entitled to an additional sum insured equal to the base sum insured for an upcoming claim in the same year provided:

        • You have exhausted your base sum insured and no claim bonus partially or completely.
        • It is for an unrelated illness.

      • AYUSH In-patient Cover: We cover in-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured.
      • Renewal Benefit: You are entitled to the following benefits after renewal:

        No Claim Bonus: For every claim-free year, you get 20% additional sum insured. This is subject to a
          maximum of 100% of base sum insured provided there is no penalization in case of claim.
        Complementary Health Check-up: Every year, get a free health check-up with our empanelled service
          providers for yourself and your family.

      • 2 Year Policy Tenure Option: Get a discount of 12.5% on the second years policy premium when you take a policy for 2 years.
      • Hospital Cash - Rs. 2,000 per day (Optional): Get a lump sum payment for every day of hospitalisation in addition to in-patient benefits. This amount is over and above the sum insured, payable for up to 30 days of hospitalisation.
      • Emergency Ambulance: We cover costs up to Rs. 3,000 incurred towards emergency ambulance. The expenses are paid once an in-patient claim has been accepted.
      • Organ Transplant: We also cover medical expenses for an organ donor’s treatment for harvesting of the organ.
      • Domiciliary Treatment: We cover the medical treatment given at home, in case a bed in the hospital is unavailable or the patient has been advised treatment at home by the attending medical practitioner.
      • Vaccination in case of animal bite: We cover the medical expenses of the OPD Treatment for vaccinations or immunizations post an animal bite. This benefit is available only on reimbursement basis, for up to Rs. 5,000.
      • Direct Claim Settlement: Settle your claims directly with us, without any third party involvement.
      • Cashless Facility: Get cashless treatment at a network of quality hospitals.
      • Assured Plan Renewable for Life: Assured renewability of Max Bupa policy for lifetime*.
      • Any Age Enrolment: Get coverage for every member of your family, irrespective of age, from the age of 91 days to senior citizens. There is no maximum age for enrolment.
      • Tax Savings: As with all health insurance policies, you may save tax under Section 80D of the Income Tax Act**.
      • Free Look Period: Get a 15 day free look period in which you can cancel your policy by simply stating the reason. Our aim is your complete satisfaction; therefore we provide this window to cancel the policy if you are unsatisfied.
      • Information at your fingertips: As a Max Bupa Policy holder, get access to your own page on our website. Store your claims history, favourite health information, health profile and records of tests taken with us.
      • Tiered Network Option:

        Zone 1: Delhi/NCR, Mumbai (including suburbs), Bengaluru, Chennai, Surat, Pune,
          Hyderabad, Kolkata, Ahmedabad.
        Zone 2: Rest of India.

        If you reside at any location in India outside Zone 1, you get to choose from a tiered network of cities. This provides you with:

        • Cashless facility in Zone 2 cities.
        • Reimbursement facility in Zone 1 cities with 20% co-payment.
        • 10% discount for your premium calculation.

      *Subject to continuous payment of premium.

      **Tax benefits are subject to changes in tax laws.

      Features - Variant 3

      • Sum Insured Options of Rs. 15 lakhs, Rs. 20 lakhs, Rs. 30 lakhs, Rs. 50 lakhs and Rs. 1 crore.
      • Top Up with Annual Aggregate Deductible Options of Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs,
        Rs. 5 lakhs and Rs. 10 lakhs
      • In-patient Care (Hospitalisation): We cover the cost of medical treatment when you or your insured family members are hospitalised for treatment.
      • Hospital Accommodation: We cover the cost of all types of hospital accommodations without any capping on room rent charges.
      • Pre and Post Hospitalisation Expenses: We reimburse the medical expenses incurred due to illness, covering 30 days before hospitalisation and 60 days after discharge. This is subject to acceptance of the in-patient care hospitalisation claim.
      • Day-Care Treatment Cover: We cover all day care treatments, not just a select few. However, the treatment should not be taken in the outpatient department of the hospital.
      • Refill Benefit: You are entitled to an additional sum insured equal to the base sum insured for an upcoming claim in the same year provided:

        • You have exhausted your base sum insured and no claim bonus partially or completely.
        • It is for an unrelated illness.

      • AYUSH In-patient Cover: We cover in-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured.
      • Renewal Benefit: You are entitled to the following benefits after renewal:

        No Claim Bonus: For every claim-free year, you get 20% additional sum insured. This is subject to 100% of
          base sum insured provided there is no penalization in case of claim.
        Complementary Health Check-up: Every year, get a free health check-up with our empanelled service
          providers for yourself and your family.

      • 2 Year Policy Tenure Option: Get a discount of 12.5% on the second years policy premium when you take a policy for 2 years.
      • Hospital Cash - Rs. 4,000 per day (Optional): Get a lump sum payment for every day of hospitalisation in addition to in-patient benefits. This amount is over and above the sum insured, payable for up to 30 days of hospitalisation.
      • Emergency Ambulance: We cover costs up to Rs. 3,000 incurred towards emergency ambulance. The expenses are paid once an in-patient claim has been accepted.
      • Organ Transplant: We also cover medical expenses for an organ donor’s treatment for harvesting of the organ.
      • Domiciliary Treatment: We cover the medical treatment given at home, in case a bed in the hospital is unavailable or the patient has been advised treatment at home by the attending medical practitioner.
      • Vaccination in case of animal bite: We cover the medical expenses of the OPD Treatment for vaccinations or immunizations post an animal bite. This benefit is available only on reimbursement basis, for up to Rs. 7,500.
      • Direct Claim Settlement: Settle your claims directly with us, without any third party involvement.
      • Cashless Facility: Get cashless treatment at a network of more than 3,500 quality hospitals.
      • Assured Plan Renewable for Life: Assured renewability of Max Bupa policy for lifetime*.
      • Any Age Enrolment: Get coverage for every member of your family, irrespective of age, from the age of 91 days to senior citizens. There is no maximum age for enrolment.
      • Tax Savings: As with all health insurance policies, you may save tax under Section 80D of the Income Tax Act**.
      • Free Look Period: Get a 15 day free look period in which you can cancel your policy by simply stating the reason. Our aim is your complete satisfaction; therefore we provide this window to cancel the policy if you are unsatisfied.
      • Information at your fingertips: As a Max Bupa Policy holder, get access to your own page on our website. Store your claims history, favourite health information, health profile and records of tests taken with us.
      • Tiered Network Option:

        Zone 1: Delhi/NCR, Mumbai (including suburbs), Bengaluru, Chennai, Surat, Pune,
          Hyderabad, Kolkata, Ahmedabad.
        Zone 2: Rest of India.

        If you reside at any location in India outside Zone 1, you get to choose from a tiered network of cities. This provides you with:

        • Cashless facility in Zone 2 cities.
        • Reimbursement facility in Zone 1 cities with 20% co-payment.
        • 10% discount for your premium calculation.

      *Subject to continuous payment of premium.

      **Tax benefits are subject to changes in tax laws.

      Policy Terms and Exclusions

      Policy Terms

      • Default policy term for all plans is one year. You can choose a 2 year term as well.
      • We will not cover treatment during the first 30 days of the policy, unless the treatment needed is a result of an accident. This waiting period does not apply for renewal policy.
      • Benefits will not be available for pre-existing diseases until:
        • 48 months of continuous coverage from first policy start date for Variant 1.
        • 36 months of continuous coverage from first policy start date for Variants 2 and 3.
      • Some conditions will be subject to a waiting period of 24 months and will be covered in the third policy year only.
      • Please refer to policy terms and conditions for complete list of exclusions.

      Exclusions

      Permanent Exclusions:

      • Addictive conditions and disorders
      • Ageing and puberty
      • Artificial life maintenance
      • Circumcision
      • Dental / oral treatment
      • Conflict and disaster
      • Congenital conditions
      • Convalescence and rehabilitation
      • Cosmetic surgery
      • Drugs and dressings for OPD treatment or take-home use
      • Eyesight
      • Unproven / Experimental treatment
      • Health hydros, nature cure, wellness clinics etc.
      • HIV and AIDS
      • Obesity
      • Hereditary conditions (specified)
      • Items of personal comfort and convenience, including but not limited to
      • Alternative treatment
      • Psychiatric and psychosomatic conditions
      • OPD Treatment
      • Stem cell implantation, ancillary hospital charges
      • Preventive care
      • Treatment for alopecia
      • Unrelated diagnostic, x-ray or laboratory examinations
      • Charges for medical papers
      • Reproductive medicine
      • Self-inflicted injuries
      • Sexual problems and gender issues
      • Sexually transmitted diseases
      • Unrecognized physician or hospital
      • Sleep disorders
      • Speech disorders
      • Treatment for developmental problems
      • Treatment received outside India
      • Hospitalisation undertaken for observation or for investigations only, where no medical treatment is provided.
      • Active participation in adventure or hazardous sports including but not limited to para-jumping, rock climbing, mountaineering, motor racing, horse racing or deep-sea diving
      • Unlawful activity
      • Any costs or expenses specified in the List of expenses generally excluded at Annexure I

      Health Companion Family First

      Health Companion Family First Health Insurance plan is designed keeping in mind the joint family. Get coverage for up to 19 relationships with individual sum insured for each member and a floater sum insured that can be used by any family member.

      Features

      • Sum Insured Options

        Individual Base Sum Insured: Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs and
          Rs. 10 lakhs
        Floater Base Sum Insured: Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs and
          Rs. 20 lakhs.

      • Top Up with Annual Aggregate Deductible Options of Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs,
        Rs. 5 lakhs and Rs. 10 lakhs.
      • In-patient Care (Hospitalisation): We cover the cost of medical treatment when you or your insured family members are hospitalised for treatment, without any cap of the room rent.
      • Pre and Post Hospitalisation Expenses: We reimburse the medical expenses incurred due to illness, covering 30 days before hospitalisation and 60 days after discharge. This is subject to acceptance of the in-patient care hospitalisation claim.
      • Day-Care Treatment Cover: We cover all day care treatments, not just a select few. However, the treatment should not be taken in the outpatient department of the hospital.
      • AYUSH In-patient Cover: We cover in-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured.
      • Renewal Benefit: We offer two benefits on renewal:

        No Claim Bonus: Increase in sum insured at 20% of individual base sum insured subject to the maximum of
          100% of individual base sum insured for each claim free year with no penalization in case of claim.
        Complementary Health Check-up: Avail complementary health check-up for yourself and your family once in
          a year so that you live a healthier and happier life.

      • 2 Year Policy Tenure Option: Get a discount of 12.5% on the second year policy premium when you take a policy for 2 years.
      • Hospital Cash (Optional) - Rs. 1,000 per day or Rs. 2,000 per day: Get a lump sum payment for each
        24 hours of hospitalisation in addition to in-patient treatment benefits. This benefit is over and above the sum insured, payable for up to 30 days of hospitalisation.
      • Organ Transplant: We also cover medical expenses for an organ donor’s treatment for harvesting of the organ.
      • Domiciliary Treatment: We cover the medical treatment given at home, in case a bed in the hospital is unavailable or the patient has been advised treatment at home by the attending medical practitioner.
      • Emergency Ambulance: We cover costs up to Rs. 3,000 incurred towards emergency ambulance. The expenses are paid once an in-patient claim has been accepted.
      • Vaccination in case of animal bite: We provide cover for medical expenses of the OPD Treatment for vaccinations or immunizations for treatment post an animal bite. This benefit is available only on reimbursement basis, for up to Rs. 5,000 only.
      • Tiered Network Option:

        Zone 1: Delhi/NCR, Mumbai (including suburbs), Bengaluru, Chennai, Surat, Pune,
          Hyderabad, Kolkata, Ahmedabad.
        Zone 2: Rest of India.

        If you reside at any location in India outside Zone 1, you get to choose from a tiered network of cities. This provides you with:

        • Cashless facility in Zone 2 cities.
        • Reimbursement facility in Zone 1 cities with 20% co-payment.
        • 10% discount on premium.

      • Assured Plan Renewable for Life: Assured renewability of Max Bupa policy for lifetime*.
      • Any Age Enrolment: Get coverage for every member of your family, irrespective of age, from the age of 91 days to senior citizens. There is no maximum age for enrolment.
      • Tax Savings: As with all health insurance policies, you may save tax under Section 80D of the Income Tax Act**.
      • Direct Claim Settlement: Settle your claims directly with us, without any third party involvement.
      • Cashless Facility: Get cashless treatment at your nearest network hospital.
      • Free Look Period: Get a 15 day free look period in which you can cancel your policy by simply stating the reason. Our aim is your complete satisfaction; therefore we provide this window to cancel the policy if you are unsatisfied.
      • Information at your fingertips: As a Max Bupa Policy holder, get access to 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.

      *Subject to continuous payment of premium.

      **Tax benefits are subject to changes in tax laws.

      Policy Terms and Exclusions

      Policy Terms
      • Default policy term for all plans is one year. You can choose a 2 year term as well.
      • We will not cover treatment during the first 30 days of the policy, unless the treatment needed is a result of an accident. This waiting period does not apply for renewal Policy.
      • Benefits will not be available for pre-existing diseases until:
        • 36 months of continuous coverage from first policy start date.
      • Some conditions will be subject to a waiting period of 24 months and will be covered in the third policy year only.
      • Please refer to policy terms and conditions for complete list of exclusions.

      Exclusions

      Permanent Exclusions:

      • Addictive conditions and disorders
      • Ageing and puberty
      • Artificial life maintenance
      • Circumcision
      • Dental / oral treatment
      • Conflict and disaster
      • Congenital conditions
      • Convalescence and rehabilitation
      • Cosmetic surgery
      • Drugs and dressings for OPD treatment or take-home use
      • Eyesight
      • Unproven / Experimental treatment
      • Health hydros, nature cure, wellness clinics etc.
      • HIV and AIDS
      • Obesity
      • Hereditary conditions (specified)
      • Items of personal comfort and convenience
      • Alternative treatment
      • Psychiatric and psychosomatic conditions
      • OPD Treatment
      • Stem cell implantation, ancillary hospital charges
      • Preventive care
      • Treatment for alopecia
      • Unrelated diagnostic, x-ray or laboratory examinations
      • Charges for medical papers
      • Reproductive medicine
      • Self-inflicted injuries
      • Sexual problems and gender issues
      • Sexually transmitted diseases
      • Unrecognized physician or hospital
      • Sleep disorders
      • Speech disorders
      • Treatment for developmental problems
      • Treatment received outside India
      • Hospitalisation undertaken for observation or for investigations only, where no medical treatment is provided.
      • Active participation in adventure or hazardous sports including but not limited to para-jumping, rock climbing, mountaineering, motor racing, horse racing or deep-sea diving
      • Unlawful activity
      • Any costs or expenses specified in the List of expenses generally excluded at Annexure I

      Conditions apply
      Insurance is a subject matter of solicitation.

      Please refer to the respective product brochures and sales illustrations for details of each product and risk factors before concluding any sale.

      Deutsche Bank AG, India (“Deutsche Bank”) is a licensed corporate agent of Birla Sun Life Insurance Company Limited, Max Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company and HDFC ERGO General Insurance Company Limited under the composite license number CA0020. All insurance products are underwritten by the respective insurance company and are subject to the terms and conditions of the relevant policy issued by that insurance company. They are neither bank deposits nor constitute obligations of or guaranteed by Deutsche Bank or any of its affiliates or subsidiaries or any governmental agency. This communication shall not be construed as investment advice and all decisions to purchase the policy shall be the personal judgement of the customer arrived at after due consideration. The tax benefits on your Policy would be as per the prevailing provisions of the Income Tax Act, 1961 and Income Tax Rules, 1962, as may be amended, modified or substituted from time to time.

      This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Neither this document nor anything contained herein shall form the basis of any contract or commitment whatsoever. You should take all relevant factors including independent expert advice into account before making any investment or other decision by using the content of this publication.

      Deutsche Bank does not guarantee or make any representation, express or implied, with respect to the fairness, correctness, accuracy, adequacy, reasonableness, reliability, usefulness, viability or fitness for any particular purpose or completeness of any information in this email and is not responsible for any errors or omissions or for results obtained from the use of such information. Deutsche Bank also disclaims all liability in respect of use of any third party information or offering, whether proprietary or otherwise.

      The premium paid in Unit Linked Life Insurance policies are subject to market and investment risks. NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital and money markets. Yield or a fund’s past performance should not be considered as an indication or guarantee of future yield or results. There is no assurance or guarantee that the objectives of the products will be achieved and the insured is responsible for his or her decision to invest.

      Disclaimer:

      For more details on risk factors, terms & conditions, please read the sales brochure carefully before concluding the sale.
      * Birla Sun Life Insurance and plans offered are only the names of the Company and Policy respectively and do not in any way indicate their quality, future prospects or returns. The name of the funds offered in this plan does not in any indicate their quality, future prospects or returns.

      Deutsche Bank AG, India has tied up with Birla Sun Life Insurance Co. Ltd. (BSLI), Max Bupa Health Insurance Company, Aditya Birla Health Insurance Company and HDFC ERGO General Insurance Co. Ltd., leading companies in private life insurance, health insurance and non-life insurance, to bring to you a range of products to suit your insurance needs. Visit www.deutschebank.co.in or contact your Relationship Manager for more details

      Insurance is the subject matter of solicitation. Deutsche Bank is only an agent and not an advisor in offering the insurance products. All insurance products are underwritten by the respective insurance company and are subject to the terms of the relevant policy issued by that insurance company. You are requested to familiarize yourself with the terms and conditions of each individual policy so as to make well-informed investment decisions.

      Max Bupa Health Insurance Company Limited. IRDA Reg. 145, CIN no. U66000DL2008PLC182918, UIN no. MB/WB/2015-2016/561. This is only a summary of the product features. For more details on risk factors, exclusions, terms and conditions please read sales brochure carefully before concluding a sale.
      Terms and conditions apply. MBHI helpline number: 1800-3010-3333. Heartbeat Health Insurance Plan: UIN: IRDA/NL-HLT/MBHI/P-H/V.III/19/16-17.
      Health Companion Health Insurance Plan: UIN: IRDA/NL-HLT/MBHI/P-H/V.II/2/14-15. Health Assurance: UIN: IRDAI/HLT/MBHI/P-H/V.II/175/2016-17.