Max Bupa Heartbeat Family Floater Health Plan

In recent years, the trend of buying health insurance plans has increased. There are many individuals who take health plans for themselves and for their family members. But covering all the members of the family under one health insurance plan would be a cherry on the cake. Therefore, you can see the Max Bupa Heartbeat Family Floater Health Plan that allows you to cover your spouse and up to 4 children under the same plan. You can enjoy a health cover in case of an emergency. The company also gives a loyalty bonus annually on the amount of the Sum Assured. So, if you find this plan amazing then you must go through the key features of this plan.

Key Features of Heartbeat Family Floater Plan

1. Flexibility of choosing the Sum Assured.
2. Get a free health check-up of up to Rs.2500 every year.
3. There is a maternity benefit as well in this policy.
4. The rent of the hospital room is also covered up to the limit of the Sum Assured.
5. Domiciliary Treatments are also covered in this health insurance plan.
6. You will also get AYUSH cover in this insurance plan.
7. You can save your taxes under section 80C and 80D of the Income Tax Act.

Benefits of Heartbeat Family Floater Health Plan

Now, you must explore all the benefits of this health insurance plan and see the health expenses that will be reimbursed in this plan.

In-Patient Cover

All the insured members will get a cashless facility at the network hospitals of Max Bupa in case of hospitalization. This facility is fast and all the payment will be made from the company directly to the hospital. It will allow you to stay with the insured in such hard times.

Domiciliary Treatment Cover

If in case the doctor has advised you to stay at home and continue the treatment of your health disease then these expenses will also be reimbursed in this insurance plan. Sometimes due to the unavailability of beds in the hospital the doctor advice to stay at home and continue the treatment.

Pre and Post Hospitalization Benefits

The company will cover all the expenses done before 60 days of hospitalization. On the other hand, all the expenses done in 90 days post hospitalization will also be covered in the Max Bupa Heartbeat Family Floater Health Plan. So, your pre-hospitalization and post-hospitalization expenses will be covered in this health insurance plan.

AYUSH Treatment Reimbursement

AYUSH stands for Ayurveda, Unani, Siddhi, and Homeopathy treatments. So, if you are going for any such treatment then the expenses related to it would also be covered in this policy. In-patient expenses or any other expenses will be covered if you are going through the AYUSH treatment.

Organ Donor’s Cover

If you are going through the organ transplant surgery then the expenses of the surgery and the donor’s expenses will be covered in this insurance plan. The maximum amount of cover will be up to the amount of the sum assured.

Ambulance Cover

Once the company has accepted the in-patient claim, then you can have the reimbursement of the ambulance expenses as well. In other words, the company will cover the cost of the ambulance expenses incurred during hospitalization.

Maternity and New Born Benefits

You will also get a cover for the maternity expenses and new born expenses in this insurance plan. You can cover your new born baby from day 1 until the policy term without paying any extra amount of premium. The maternity benefit is capped up to a maximum of Rs.1 Lac.

Free Health Check-up

After the expiry of one policy year, you can go through a free health check-up. If you have covered your children in the plan and they can also go through the diagnostic test for free.

Loyalty Additions

The company will give you loyalty addition by 10% of the Sum Assured every year whether you have made any claim or not. The value of the sum assured will increase by 10% every year until it reaches 100% of the Sum Assured.

Add-on Benefits

There are some add-on benefits of this plan that you can add at the time of inception of the policy. You can add these benefits to the policy but they are not mandatory to add.

1. Get 3000 per day as hospital cash.
2. In case of an emergency get free E-Consultation.
3. Get a Personal Accident Cover in the same insurance policy.
4. Critical Illnesses will also be covered in this plan.

Details of the Max Bupa Heartbeat Family Floater Health Plan

Exclusions of the Health Insurance Plan

1. Ancillary Hospital Charges
2. Hazardous Activities
3. Artificial life maintenance
4. Autoimmune Disorders
5. Behavioral, Neurodevelopmental and Neurodegenerative Disorders
6. Circumcision
7. Complementary & Alternative Medicine
8. Conflict & Disaster
9. Congenital Anomaly, Hereditary or Genetic Disorders
10. Convalescence & Rehabilitation
11. Cosmetic and Reconstructive Surgery
12. Dental/oral treatment
13. Eyesight & Optical Services
14. Experimental/Investigational or Unproven Treatment
15. HIV, AIDS, and related complex
16. Hospitalization not justified
17. Inconsistent, Irrelevant or Incidental Diagnostic procedures
18. Mental and Psychiatric Conditions
19. Non-Medical Expenses
20. Obesity and Weight Control Programs
21. Off- label drug or treatment
22. Puberty and Menopause Related Disorders
23. Reproductive medicine & other Maternity Expenses: Any assessment or treatment method
24. Robotic-Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) & Light-based Treatment
25. Sexually transmitted Infections & diseases
26. Sleep disorders
27. Substance-related and Addictive Disorders
28. Traffic Offences & Unlawful Activity
29. Treatment received outside India
30. Unrecognized Physician or Hospital