Heartbeat Policy Terms and Exclusions

Heartbeat Policy Terms and Exclusions


Policy Terms
  • Default policy term for all plans is one year. You can choose a 2 year term as well.
  • Max Bupa Health Insurance 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 24 months (for platinum and gold plans) and 48 months (for silver plans) of continuous coverage from first policy start date, provided such pre-existing disease is stated in the proposal, specifically accepted by them and endorsed thereon.
  • For all insured persons who are above 45 years of age as on the date of inception of the first policy, some conditions will be subject to a waiting period of 24 months and will be covered in the third policy year only.

Permanent Exclusions
  • Ancillary Hospital Charges
  • Hazardous Activities
  • Artificial life maintenance
  • Autoimmune Disorders
  • Behavioral, Neurodevelopmental and Neurodegenerative Disorders
  • Circumcision
  • Complementary and Alternative Medicine
  • Conflict and Disaster
  • Congenital Anomaly, Hereditary or Genetic Disorders
  • Convalescence and Rehabilitation
  • Cosmetic and Reconstructive Surgery
  • Dental / oral treatment
  • Eyesight and Optical Services
  • Experimental / Investigational or Unproven Treatment
  • HIV, AIDS, and related complex
  • Hospitalization not justified
  • Inconsistent, Irrelevant or Incidental Diagnostic procedures
  • Mental and Psychiatric Conditions
  • Non-Medical Expenses
  • Obesity and Weight Control Programs
  • Off-label drug or treatment
  • Puberty and Menopause related Disorders
  • Reproductive medicine and other Maternity Expenses: Any assessment or treatment method
  • Robotic Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) and Light based Treatment
  • Sexually transmitted Infections and diseases
  • Sleep disorders
  • Substance related and Addictive Disorders
  • Traffic Offences and Unlawful Activity
  • Treatment received outside India
  • Unrecognized Physician or Hospital
  • Any costs or expenses specified in the list of expenses generally excluded at Annexure IV of policy wording