Insurance Plans 188 views July 16, 2020

Max Bupa Health Premia Insurance Plan

These days it is mandatory for everyone to take a health insurance plan because it protects you from many health risks. On the other hand, it will also help you to keep your savings intact during medical emergencies. If you are willing to take a health insurance plan then you must see Max Bupa Health Premia Insurance Plan because it will cover various expenses related to your health problem. There are three options available in this health plan and you are free to choose any of them. They are a silver plan, gold plans, and a platinum plan. So, let’s explore all these options of this plan, and then we will discuss all the benefits of the Premia Health insurance plan.

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Options in the Premia Health Plan

There are three options in the Health Premia Insurance Plan and you can go through all of them.

  1. Silver Plan
  2. Gold Plan
  3. Platinum Plan

Max Bupa Silver Health Premia Plan

  1. The Minimum Amount of the Sum Assured is Rs.5 Lacs.
  2. Rs.7.5 Lacs is the maximum amount of the Sum Assured.
  3. Get loyalty additions by 10% every year.
  4. Enjoy maternity benefits as well of up to Rs.60000.
  5. Get a free health check-up of up to Rs.1875 per person.
  6. The premium of this plan starts from Rs.12488 per year.

Max Bupa Gold Health Premia Plan

  1. The Minimum Amount of the Sum Assured is Rs.10 Lacs.
  2. Rs.50 Lacs is the maximum amount of the Sum Assured.
  3. Get loyalty benefits of 10% every year.
  4. Enjoy maternity benefits as well of up to Rs.1 Lac.
  5. Get a free health check-up of up to Rs.7500 per person.
  6. The premium of this plan starts from Rs.12488 per year.

Max Bupa Platinum Health Premia Plan

  1. The Minimum Amount of the Sum Assured is Rs.1 Crore.
  2. Rs.3 Crores is the maximum amount of the Sum Assured.
  3. Get loyalty additions by 10% every year.
  4. Enjoy maternity benefits as well of up to Rs.2 Lacs worldwide.
  5. Get a free health check-up of up to Rs.10000 per person.
  6. The premium of this plan starts from Rs.12488 per year.

Benefits of Max Bupa Health Premia Insurance Plan

Now, you must explore the various benefits of this health insurance plan and see the medical expenses that are covered in this plan.

Hospitalization Cover

The insured will get a cashless facility at the Max Bupa Network if he is hospitalized in those hospitals. All the payment made will be cashless and it will be from the company directly to the hospital so that you can stay with the patient and take good care of him.

Home Treatment Cover

Sometimes the doctors advise their patients to continue the treatment of the health disease at home. So in such a situation the expenses done for the treatment will be reimbursed to the insured in this insurance plan. It also happens due to the unavailability of beds in the hospitals and the patient is advised to stay at home and continue the treatment.

Pre and Post Hospitalization Cover

The company will cover all the expenses done in 60 days of pre-hospitalization. All the expenses done after 90 days from the date of discharge will also be covered in the Max Bupa Health Premia Plan. So, your pre-hospitalization and post-hospitalization expenses are covered in this health insurance policy.

AYUSH Cover

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

Organ Transplant Cover

In the case of an organ transplant surgery, the expenses of the surgery and the donor’s expenses are also covered in this health insurance plan. The maximum amount of cover will be up to the amount of the sum assured.

Ambulance Cover

You can take the reimbursement of the ambulance expenses as well once the company accepted the in-patient claim. In other words, the ambulance expenses are also covered by the company usually incurred during hospitalization.

Maternity and New Born Benefits

The maternity expenses and newborn expenses are also covered in this insurance plan. You can cover your newborn baby from day 1 until the policy term without paying an additional premium. The maternity benefit is capped up to a maximum of Rs.2 Lacs if you have taken Platinum Insurance Plan.

Free Health Check-up

After the expiry of one policy year, you can go through a free health check-up of up to Rs.10000 per person. If you have covered your children or spouse in the plan and they will get a free health check-up separately.

OPD Treatments and Diagnostic Tests

In this health insurance plan, the expenses have done for the OPD Treatments and Diagnostic Tests are also covered. In other words, all the expenses done for outpatient care are covered under this insurance plan.

Loyalty Additions

The company will give you a loyalty addition of 10% of the Sum Assured every year. The value of the sum assured will increase by 10% every year until it reaches 100% of the Sum Assured.

Premium Waiver

You are allowed to enjoy the waiver of premium for one year if the policyholder passes away or diagnosed with a critical or specified illness.

Add-on Benefits

There are some of the Add-on benefits that you can add to this policy at the time of the inception. They are as follows:-

  1. Personal Accident Cover
  2. Hospital Cash Benefits
  3. Critical Illness Cover
  4. Health Coach
  5. Enhanced Loyalty Benefits

Permanent Exclusions of this Health 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 Cosmetic and Reconstructive Surgery
  11. Dental/oral treatment
  12. Eyesight & Optical Services
  13. Experimental/Investigational or Unproven Treatment
  14. HIV, AIDS, and related complex
  15. Hospitalization not justified
  16. Inconsistent, Irrelevant or Incidental Diagnostic procedures
  17. Mental and Psychiatric Conditions
  18. Non-Medical Expenses
  19. Obesity and Weight Control Programs
  20. Off- label drug or treatment
  21. Puberty and Menopause Related Disorders
  22. Reproductive medicine & other Maternity Expenses: Any assessment or treatment method
  23. Robotic-Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) & Light-based Treatment
  24. Sexually transmitted Infections & diseases
  25. Sleep disorders
  26. Substance-related and Addictive Disorders
  27. Traffic Offences & Unlawful Activity
  28. Treatment received outside India
  29. Unrecognized Physician or Hospital