Heartbeat Individual and Family Floater - Platinum Policy

Heartbeat Individual and Family Floater - Platinum Policy

  • In-patient Care (Hospitalization): The plan covers cost of medical treatment while you or your insured family members are hospitalized for treatment.
  • No Limit on the Hospital Room category.
  • International Treatment support for Specified Illnesses: Covers treatment outside India for specified dread diseases upto opted sum insured excluding treatment in USA and Canada. Treatment in USA and Canada can also be included by paying a little extra premium.

    The specified illnesses covered are listed below:
    • Cancers like leukemia, lymphoma and sarcoma excluding all tumours in the presence of HIV infection
    • Heart Attack (Myocardial Infarction)
    • Coronary Artery Bypass Graft (CABG)
    • Major Organ Transplant for heart, lung, liver, kidney, pancreas to treat irreversible end-stage failure of the relevant organ human bone marrow using haematopoietic stem cells is also covered.
    • Stroke
    • Surgery of Aorta including graft, insertion of stents or endovascular repair excluding surgery required due to underlying congenital condition.
    • Coronary Angioplasty subsequent to myocardial infarction or anginal attack.
    • Primary Pulmonary Arterial Hypertension
    • Brain Surgery
  • OPD Treatment and Diagnostic Services: Reasonable and customary expenses towards medically necessary consultation as an outpatient with a doctor to assess the insured person’s condition.
  • Consultation and Diagnostic Tests Carry Forward: If the policy is renewed with Max Bupa without any break and there is a unutilized amount under the applicable sub-limit in a policy year, then 80% of this unutilized amount will be carried forward to the immediate succeeding policy year.
  • Emergency Medical Evacuation and Hospitalization: In case of a medical emergency outside India Max Bupa will provide assistance in medical evacuation of the insured person and cover the reasonable and customary costs of transportation of the insured person (and an attending doctor if this is medically necessary). The plan will also cover emergency medical evacuation within India, if the condition requires air ambulance or commercial flight for evacuation purposes.
  • Pre and Post Hospitalization Medical Expenses: The plan reimburses 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 will indemnify 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 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.
  • Childcare benefits: The plan covers specified vaccination expenses for insured children until they have completed 12 years. It also cover consultation for nutrition and growth provided to the child during a visit for vaccination.
  • Any Age enrollment: The plan covers the insured member across every stage of life.
  • 2 year Policy Tenure Option: You can opt for 2 year tenure and avail discount.
  • Second Medical Opinion: You can obtain Second medical opinion for specified illness / planned surgery / Surgical procedure.
  • 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 the plan 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.
  • 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 customer services team.
  • Assured Policy Renewal for Life: The plan assures you renewability for life with no extra loadings based on your claim history.
  • Cashless Facility: You can access cashless facility at your nearest hospital.
  • 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.
  • Domiciliary Hospitalization: In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; we pay 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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