Max Bupa Heart Beat Family First

PRE & POST-HOSPITALISATION EXPENSES

The coverage for medical expenses due to illness is truly comprehensive - beginning 30 days before
admission to a hospital, and ending up to 60 days after discharge - only dependent on the approval on
the in-patient care hospitalization claim.

DAY CARE TREATMENT

All treatment at day-care facilities is covered, as long as the treatment is not being taken in the out-patient
department of the hospital.

ORGAN DONATION
Medical expenses incurred during organ harvesting are covered under this plan .

TREATMENT AT HOME
Under this plan, medical care at your home is covered in case of a shortage in hospital beds, or in the case
of a patient being advised treatment at home by a doctor or medical practitioner .

EMERGENCY AMBULANCES
The cost of any Emergency Ambulances are covered, as required, and paid once an in-patient claim has
been accepted.

MATERNITY BENEFITS
Get unparalleled maternity benefits for up to 2 deliveries, provided both you and your spouse have been
covered under this policy for two continuous years.

FREE HEALTH CHECK-UP ON RENEWAL

Maintain your good health with a free health check-up every 2 years with our empanelled service
providers when you renew your policy.

HEALTH RELATIONSHIP PROGRAM

Enjoy additional benefits under our Health Relationship Program when you renew your policy with us
without a lapse in coverage.

a. Increase in Sum Insured - Get 10% additional Sum Insured each policy year (calculated on expiring
base Sum Insured). The additional sum insured accumulates up to 50% of the current base sum insured.

b. Earn and Redeem - Earn points worth 10% of your last paid annual premium after you renew your
policy. The points can be redeemed on our website for various health and lifestyle products and services.
(link to Loyalty page)

ASSURED POLICY RENEWAL

Guarantee your policy renewals for life, with no increase in premium even if you make a claim. Your
premium is only calculated basis your age and city of residence, and NOT your claim history .
POLICY TERMS

 While the default policy term for all plans is one year, you can also choose a 2 year term as well.

 The reduction in co-pay is a benefit being given to customers for enrolling before the age of 65. Even
after turning 65 the co-pay continues to reduce by 5% for every Continuous renewal. So for any
customer continuously renewing the same plan with Us for 4 policy years, the co-pay reduces to zero.

 We will not cover treatment during the first 90 days of the policy, unless the treatment needed is a
result of an accident or other emergency. This waiting period does not apply for the renewal policy.

 Benefits will not be available for Pre-existing Diseases until 24 months (for platinum and gold plans)
and 48 months (for silver plans) of continuous coverage from first policy start date.

 Some conditions will be subject to a waiting period of 24 months and will be covered in the third
policy year only.
PERMANENT EXCLUSIONS

 Addictive conditions and disorders

 Ageing and puberty
 Artificial life maintenance
 Circumcision
 Dental/oral treatment
 Conflict and disaster
 Congenital conditions
 Convalescence and Rehabilitation
 Cosmetic surgery
 Drugs and dressings for Out-patient or take-home use
 Eyesight
 Unproven/Experimental treatment
 Health hydros, nature cures, wellness clinics etc.
 HIV and AIDS
 Obesity
 Hereditary conditions
 Genetic Disorder
 Items of personal comfort and convenience
 Alternative Treatment
 Psychiatric and Psychosomatic Conditions
 OPD Treatment
 Reproductive medicine - Birth control & Assisted reproduction
 Self-inflicted injuries
 Sexual problems and gender issues
 Sexually transmitted diseases
 Unrecognized physician or Hospital
 Sleep disorders
 Speech disorders
 Treatment for developmental problems
 Treatment received outside India
 Unlawful Activity