Heart Beat
/content/maxbupa/in/en/bank,/content/maxbupa/en/in/digital/home/app-form2,/content/maxbupa/en/in/digital/home/thank-you1,partner.maxbupa.com
/content/maxbupa/in/en/agent
Img Full COVID-19 cover
MY POLICY

No Room Rent Cap

Up to single private room permissible for hospitalization in this plan

Day Care Treatment

Get coverage for all procedures that don't need hospitalisation

International Coverage

Stay secure wherever you are as you get international coverage (except US & Canada)

OPD Consultations

Stay worry-free as we cover up to 10 doctor consultations/yr at our health network

Maternity & New-born coverage

No additional premium for covering a new born baby from day 1

Loyalty Benefits

Get 10% more sum insured by renewing your policy without a break

Know what’s covered under Heartbeat Health Insurance Plan

Search for diseases covered in the HeartBeat health insurance plan or check out all the policy features

Hospitalisation
Arrow Arrow

IN-PATIENT CARE (HOSPITALISATION)

+ -
Get cashless coverage for hospitalisation expenses for all insured members at network hospitals

PRE & POST HOSPITALISATION MEDICAL EXPENSES

+ -
The policy covers expenses 90 days before hospitalisation and 180 days post discharge

DOMICILIARY HOSPITALISATION

+ -
The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor’s advice

ANY AGE ENROLLMENT

+ -
Get health insurance at any age

ORGAN TRANSPLANT

+ -
Medical expenses for an organ donor’s inpatient treatment for the harvesting of the organ is also covered

OPD Treatment and DIAGNOSTIC TESTS

+ -
Get reimbursements for expenses towards medically consultation as an outpatient with a doctor

EMERGENCY AMBULANCE

+ -
The policy covers the cost of ambulance. These expenses are paid once we have accepted the inpatient claim

ALL DAY-CARE TREATMENT COVERED

+ -
Your health insurance will cover a host of dental, ENT and other procedures
Standout Features
Arrow Arrow

DIRECT CLAIM SETTLEMENT

+ -
There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly

Tenure Discount

+ -
Opt for a two-year policy and get 12.5% discount on second year’s premium

RENEWAL FOR LIFE

+ -
Get assured renewal of the policy for life with no extra loadings based on your claim history

International Coverage

+ -
Covers specified diseases and emergency hospitalisation outside India (except US & Canada)

LOYALTY BENEFITS

+ -
Get 10% more coverage on the base sum insured for renewing the policy without any break

Maternity & Newborn coverage

+ -
Avail maternity benefits and add cover for your new-born from birth with no additional premium
Add on Features
Arrow Arrow

Optional Benefits:

Heartbeat individual and family floater health insurance – Gold plan

Heartbeat family first health insurance – Silver plan

Heartbeat family first health insurance – Gold plan

Hospital Cash

Rs 3000/day

Rs 1500/day

Rs 3000/day

E-Consultation

Available

Available

Available

Personal Accident Cover

Available

Available

Available

Critical Illness Cover

Available

Available

Available

Premium Waiver

 

If an insured policy holder passes away or is diagnosed with a specified illness during the policy period, then the premium for next year will be waived

Exclusions
Arrow Arrow

Pre-existing conditions

+ -
Pre-existing conditions are subject to a waiting period of 24 months of continuous coverage from first policy start date for customers with Gold & Platinum plan and 48 months of continuous coverage from first policy start date for customers with Silver plan.

PERMANENT EXCLUSIONS

+ -
  • Ancillary Hospital Charges
  • Hazardous Activities
  • Artificial life maintenance
  • Autoimmune Disorders
  • Behavioral, Neurodevelopmental and Neurodegenerative Disorders
  • Circumcision
  • Complementary & Alternative Medicine
  • Conflict & Disaster
  • Congenital Anomaly, Hereditary or Genetic Disorders
  • Convalescence & Rehabilitation
  • Cosmetic and Reconstructive Surgery
  • Dental/oral treatment
  • Eyesight & Optical Services
  • Experimental/Investigational or Unproven Treatment
  • HIV, AIDS, and related complex
  • Hospitalization not justified
  • Inconsistent, Irrelevant or Incidental Diagnostic procedures
  • Mental and Psychiatric Conditions
  • Non-Medical Expenses
  • Obesity and Weight Control Programs
  • Off- label drug or treatment
  • Puberty and Menopause Related Disorders
  • Reproductive medicine & other Maternity Expenses: Any assessment or treatment method
  • Robotic Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) & Light-based Treatment
  • Sexually transmitted Infections & diseases
  • Sleep disorders
  • Substance related and Addictive Disorders
  • Traffic Offences & Unlawful Activity
  • Treatment received outside India
  • Unrecognized Physician or Hospital
  • Any costs or expenses specified in the list of expenses generally excluded at Annexure-IV of the policy wording

Why choose Heartbeat?

Doctors Speak
Arrow Arrow

Live well with Max Bupa

Check out what the doctors and the  experts have to say about your health and health insurance

Calculate Medical Expenses
Arrow Arrow
Financial-calc-benefit
Painless renewals
Arrow Arrow

Assured plan renewal for life

Get 10% added sum insured on each renewal*

Get cashless health check annually

Carry forward 80% unutilized amount for diagnostic tests

Get 20% more coverage for every claim-free year

Unlock maternity benefits

Hassle-free 5 minutes renewal process

Seamless renewal options

Click here>>
Frequently Asked Questions
HOW CAN I BUY THIS POLICY?
WHAT ARE THE MINIMUM AND MAXIMUM POLICY DURATIONS?
IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL OF WHILE PURCHASING HEALTH INSURANCE?
IS A MEDICAL CHECK-UP NECESSARY BEFORE BUYING A POLICY?
WHAT IS ANNUAL INSURANCE COVER?
HOW CAN I BUY THIS POLICY? - +

There are various ways in which you can purchase this policy:

Online:On purchase of this plan online your policy will be generated almost instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical checkup.

Telephone:If you wish to know more about Max Bupa’s Health Insurance Plans, please speak to our specially trained sales team or your local advisor. Call us on Phone 1860 500 8888 (Toll Free) between 9 am and 6 pm IST (Monday to Saturday) or click on ‘Click to arrange a call’ to buy the policy over the phone or to fix up an appointment.

Branch: Please visit our branch in your city. The complete list of branch locations is available in the Contact Us section of the website

Get the most value from Heart Beat

The Max Bupa Promise
Arrow Arrow
The Max Bupa Promise

30 Minute cashless claims processing

Spend less time on paperwork and more with your family

Health network beyond hospitals

A cashless network of 4500+ hospitals & 2000+ doctors

No third-party agents! Direct claim settlement

No TPA involvement in processing your claim

Cashless OPD & Paperless reimbursements

No paper, no hassle. Get online reimbursements

Your everyday health partner
Arrow Arrow
your everyday health partner

Max Bupa Health App

Track your health, manage your policy & renewals

Download App now>>

Health coach

Reach your fitness goals with a personalised health coach

Download App Now >>

Document locker

Store & access all your medical records with a few taps

Login to Health App>>

Book Cashless OPD Online!

Doctor’s appointment through our cashless health network

Hassle-free claims
Arrow Arrow
happyWomen
Get admitted

Visit us at one of our hospitals

Use your health card

Identify yourself with your MaxBupa health card

Get validated

After validation your request will be sent directly to us

We Review

No third party involved!

Claim Settled

In as less as 30 minutes!

Get a quote

Tell us a little about yourself and we’ll get you the right quote.

Find the right plan now>