MAX BUPA HEARTBEAT PLAN
POLICY BENEFITS :
Our families are the center of our existence. We all aspire to give them the best life possible. A good health insurance policy is a step in this direction. Not only does it ensure access to the best medical care in times of need, it also safeguards our financial savings. In Heartbeat, you have a plan that understands your family’s healthcare needs and takes care of them just like you would. It comes with a plethora of unmatched features so that your family enjoys
the most comprehensive protection at all times. Simple, easy-to-understand and with unbeatable service, this is the one of the best plans available.
- COMPREHENSIVE PROTECTION
- Covers ranging from ` 5 lacs to ` 1 crore
- Up to 19 relationships covered in one policy
- Pre & post hospitalization coverage
- No room rent capping for Gold/Platinum Plans
- Maternity benefits
- All day care treatments covered
- Alternative treatments like Ayurveda & Unani covered
- Cashless facility
We process all cashless claims within 30** minutes at over 3500 quality hospitals in our network.
- Hospitalization expenses
We take care of your room rental expenses up to the sum insured for Gold and Platinum Plans (except for Suite or above room category). Pre and post hospitalization expenses are covered up to the sum insured, 60 days prior and 90 days post hospitalization.
- Maternity and newborn child benefits
Heartbeat provides you maternity benefits for up to two deliveries. The benefit is available to the insured after two years of continuous coverage. The newborn baby is automatically covered from day 1 up to sum insured until the next renewal of the plan. First year vaccinations for the newborn are covered as well. These benefits cannot be availed under an individual policy.
- Health check up
We provide health check-up to our customers as per the applicable plan as specified in the Product Benefits Table. For Gold and Platinum plans, customers can choose the diagnostic tests they want to undergo up to the limit applicable as specified in the Product Benefits Table. The Policy needs to be renewed with us without a break or the Policy needs to be in force for the second Policy Year in the 2 year Policy Period (if applicable).
- Loyalty benefits
Increase Sum Insured
• You will get 10% of expiring base sum insured each policy year
• The additional sum insured can be accumulated maximum up to 100% of base Sum Insured for Gold and Platinum plan and 50% of base Sum Insured for Silver plan. This benefit is applicable irrespective of claim status
Example: Mr. Ravi buys a Heartbeat Gold cover for ` 5 lacs in year 1. In year 2, his sum insured will increase to ` 5.5 lacs, even if he makes a claim in year 1. Likewise, his cover would keep on increasing by 10%, year on year (` 6 lacs in year 3, ` 6.5 lacs in year 4) till 100% of base sum insured.
- Hospital cash
A trip to the hospital involves more than merely using the doctor’s services and hospital facilities. You are bound to run up numerous ‘non-medical’ expenses such as transportation, attendant’s cost and other daily expenses that you may not be able to foresee. To meet these expenses we have now introduced this benefit as an option for you.
- Discount on two year plan
When you take a policy for two years, you get 12.5% discount on the second year premium.
- Optional Co-payment
To make your premium more afordable you can avail co-payment options of 10% and 20%.
- Room rent capping
For Gold and Platinum plan there is no capping on the room rent and it is covered upto the Sum Insured. You can choose any room type /category (except suite or above for Gold plan).