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Health Insurance 552 views July 6, 2020
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.
Table of Contents
Now, you must explore all the benefits of this health insurance plan and see the health expenses that will be reimbursed in this plan.
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.
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.
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 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.
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.
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.
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.
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.
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.
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.
Details | Particulars |
---|---|
Minimum Age of Entry for Adults | 18 Years |
Maximum Age of Entry for Adults | 65 Years |
Minimum Age of Entry for Dependent Children | 91 Days |
Maximum Age of Entry for Dependent Children | 21 Years |
Maximum No. of Members | 2 Adults and 4 Children |
Minimum Amount of Sum Assured | Rs.5 Lacs |
Maximum Amount of Sum Assured | Rs.50 Lacs |
Minimum Amount of Premium | Rs.16414 per year |