Heartbeat Individual and Family Floater - Gold Policy

Heartbeat Individual and Family Floater - Gold Policy

  • In-patient Care (Hospitalization): The plan covers cost of medical treatment while you or your insured family members are hospitalized for treatment.
  • Pre and Post Hospitalization Medical Expenses: The plan reimburse medical expenses incurred due to illness up to 60 days immediately before you get admitted to a hospital and 90 days immediately after you get discharged from a hospital, if an in-patient care hospitalization claim has been accepted.
  • Alternative Treatments: The plan indemnifies the medical expenses incurred on treatment taken under Ayurveda, Unani, Sidha and Homeopathy (AYUSH).
  • All Day Care Treatment Covered: The plan covers all day care treatment, not a select few. However, such a procedure should not be in the outpatient department and diagnostic services of a hospital.
  • Maternity Benefits: The plan provides you maternity benefits for up to two deliveries. This benefit is available after both you and your spouse have been covered under the policy for two continuous years.
  • New Born Baby: The new born baby will be covered as an insured person from birth without additional premium, till the next policy year, if the maternity claim is admissible under the policy. The plan also cover vaccination expenses of the new born baby for the first year if you add the baby in the policy for the next policy year.
  • 2 year Policy Tenure Option: You can opt for 2 year policy tenure & avail discount.
  • Any Age Enrollment: The plan cover the insured members across every stage of life.
  • Loyalty Additions: If the policy is renewed with Max Bupa without any break, you will get sum insured enhancement (10% of base sum insured per annum maximum upto 100% of base sum insured).
  • Hospital Cash: You can opt for hospital cash benefit, under which Max Bupa will pay the hospital cash up to a maximum of 30 days of hospitalization for each continuous period of 24 hours of hospitalization, provided insured person has been admitted in a hospital for a minimum period of 48 hours continuously.
  • Health Check-Up: If the policy is renewed with Max Bupa without any break, health check-up (only for diagnostic tests) may be availed by you through Max Bupa empanelled service providers.
  • 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.
  • Direct Claim Settlement: All claims are processed directly by Max Bupa own customer services team.
  • Assured Policy Renewal for Life: The plan assures you renewability for life with no extra loadings based on your claim history.
  • Organ Transplant: Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered. These expenses are paid once an in-patient claim has been accepted.
  • Cashless Facility: You can access cashless facility at your nearest hospital.
  • Domiciliary Hospitalization: In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; the plan pays for medical treatment taken at home, which would otherwise have required hospitalization, provided domiciliary hospitalization continues for at least 3 consecutive days.
  • Emergency Ambulance: The plan also cover the ambulance expenses to transfer the policyholder following an emergency to a hospital. These expenses are paid once an in-patient claim has been accepted.
  • Free Look Period: If you are not satisfied, there is a 15 day free look period within which you can cancel your plan stating the reason.

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