Max Bupa Heart Beat Individual Gold

Product Description:

Heart Beat Gold is an individual health insurance (indemnity plan) policy offered by Max Bupa to cover the medical and healthcare expenses of Indian residents across all age groups. There is absolutely no minimum or maximum limit on the entry age for Insured under this plan and this is one of the factors where Max Bupa has attempted to differentiate its health insurance offering from those of others in the industry.

Know more about your Insurance

Key features: Availability, Benefits and Exclusions

Minimum Age at Entry : No Min Age
Maximum Age at Entry : No Max Age
Maximum Age at Renewal : Lifelong
Minimum Sum Assured : Rs 5 lacs
Maximum Sum Assured : Rs 10 lacs
No claim Bonus – Annual : 10%
No claim Bonus – cumulative : N/A
Maternity Benefits : N/A
Pre-Existing Disease cover : after 4 years
Waiting Period : 90 Days

Product pricing (Incl. S/Tax)   (Rs)
Age at Entry SA 2 lacs SA 3 lacs SA 5 lacs SA 7.5 lacs SA 10 lacs SA 15 lacs SA 20 lacs SA 50 lacs
25 yrs NA N/A 6813 8041 9235 N/A N/A N/A
35 yrs NA N/A 7937 9366 10772 N/A N/A N/A
45 yrs NA N/A 11298 13379 15441 N/A N/A N/A
55 yrs NA N/A 19888 23513 27547 N/A N/A N/A
60 yrs N/A N/A 26032 31106 36630 N/A N/A N/A
65 yrs N/A N/A 34713 41869 49635 N/A N/A N/A

Claim procedure

Max Bupa follows a simple 3 stage process of claim settlement. One just needs to follow the below guidelines:

  1. Intimation & Assistance - In case of planned hospitalization, select and approach the service desk of the chosen network hospital, preferably at least 72 hrs in advance. Use your Max Bupa Health card or share your policy no and passport with the healthcare provider for identification purpose. One can also use PAN card and voter ID card for the same.

  2. Pre-authorization: The network hospital checks the identity of the Insured for validation and submits the pre-authorization form to Max Bupa. Max Bupa claims team takes a look at the coverage and provides a confirmation to the provider by e-mail/fax and also informs the Insured by way of a text message. Depending on the policy, Max Bupa may also assign you a Relationship Manager who will provide all handholding support during hospitalization and claims process to make it simpler for you.

  3. Cashless settlement: Get admitted for treatment at the network hospital and sign all forms, invoices and documents on discharge. Max Bupa will directly make the payment to the hospital for pre-approved treatment and as per policy terms & conditions.

*Please note in case of an emergency pre-authorization needs to be done with in 48 hrs of admission.

Some key statistics for Max Bupa

Claims Pending Ratio : To be Announced soon
Complaints Resolved Ratio : To be Announced soon
Provider Network (cashless) : To be Announced soon

General Health Insurance Tips

Understand the cost of healthcare in your city/area before deciding the total cover (Sum Assured)

If your family includes a young bride, it is important to ensure the coverage of maternity benefits

Ask about the coverage of pre-existing diseases

Look at the waiting period

Satisfy yourself about the specific disease’s coverage under the Critical Illness cover

Inquire about the availability of cashless facility at the Network hospitals

Always compare before buying

Disclaimer: This is only an illustrative document to serve as a quick guide for aide in decision making.

Information Source: Max Bupa website as on 27th Sep’2011
IRDAI annual report’2010