Max Bupa Heartbeat Family First Health Insurance

From the very beginning, we all are well aware of the fact that Max Bupa is a leading health insurer in the Indian market. The company provides a wide range of health insurance products for individuals as well as for family. Max Bupa Heartbeat Family First Health Insurance is the first policy that offers coverage for up to 19 relationships with an individual Sum Insured for everyone, and a floating Sum Insured that is accessible to any family member. This policy has been specially designed keeping the Indian joint family system in mind. Heartbeat Family First policy is an all-round policy and this plan could be a perfect choice for you if you belong to a joint family.

Salient Features of Max Bupa Heartbeat Family First Health Insurance Policy

• ✔This plan is available in three variants Silver, Gold and Platinum.
• ✔It provides coverage for newborn to senior citizens.
• ✔This policy prepares you for future expenses with comprehensive coverage option.
• ✔Pre and post hospitalization expenses are included in Max Bupa Heartbeat Family First Insurance plan.
• ✔This insurer set one year policy term for all plans as a default policy term. But you can choose a 2 year term as well.
• ✔This policy is available in family floater basis.
• ✔It offers higher range of Sum Insured of Rs 2 lakhs to Rs 50 lakhs.

• ✔There is no age limit for policy renewal. You would not have to care too much while buying the policy because whenever you want you can renew it. No matter you reach the age of 65 or 70, you would be able to renew this Heartbeat Family First Health Insurance policy of Max Bupa.
• ✔Whenever you want you can apply for this policy as there is no age limit. Your baby can be covered from the day it is born and even your parents can be covered after they have crossed the age of 70.
• ✔Pre and post hospitalization and in-patient hospitalization is also covered under this plan.
• ✔Day care treatment is covered under this Max Bupa Heartbeat Family First Insurance policy.
• ✔The policy covers domiciliary hospitalization expenses. In case a bed in the hospital is unavailable or medical practitioner is unavailable, treatment is administered at home.
• ✔This insurer offers a wide range of network hospitals.
• ✔This policy is beneficial for women. Women can avail maternity benefits up to 2 deliveries.
• ✔Apart from delivery expenses, this policy provides expenses for vaccination of the baby till the next policy year without paying any additional premium.
• ✔After 2 years of policy period, you can enjoy the benefit of discount on premium.
• ✔Under this plan, you can avail direct claim-settlement offered by Max Bupa.
• ✔You can keep online track on your policy details. Whether you want to access your personal details, or you want to know more about your claim history, all things would be tracked.

• ✔Initially pre-existing diseases are not covered under this plan.
• ✔Any person undergoes a treatment would not be covered within first 90 days until it is an emergency or any accidental case.
• ✔Cosmetic, aesthetic, or associated treatments are excluded from this plan.
• ✔Any disease or illness incurred due to drinking of alcohol or other addictive substances will not be covered.
• ✔Non-allopathic treatments are also excluded from this policy.

Following are the necessary steps to settle a claim of Max Bupa Family First Health Insurance Policy.

• ✔At first, you have to choose a hospital from the list of company’s network hospitals.
• ✔It is always advised selecting a hospital at least 72 hours before treatments.
• ✔Next, you have to provide an identity proof document to the hospital along with Max Bupa health card or policy number.
• ✔The hospital will verify all the documents and submit a pre-authorization form to Max Bupa Insurance Company.
• ✔Then within 30 minutes, the insurer will provide their decision with the approval of admitting the hospital.
• ✔When you get discharged, you just have to sign some required documents and invoices.
• ✔In the final step, the company will make the payments to the hospital for pre-approved treatments as per terms and conditions of the policy.

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