Money Saver Insurance Plan in India
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MY POLICY

Pre & Post Hospitalisation

We cover expenses 30 days before hospitalisation and 60 days post-discharge

e-Consultation

Avail e-consultation before undergoing a treatment for a diagnosed illness

Re-fill benefits

Get up to 100% of your base sum insured as refill

Alternative treatment

Get cover for Ayurvedic, Unani, Siddha and Homeopathic treatments

No Claim Bonus

Get 20% more sum insured on renewal for each claim free year

Day Care Treatment

Get coverage for procedures that don't need hospitalisation

Know what’s covered under Money Saver Insurance Plan

Simply search for your queries regarding the Money Saver Health Insurance plan or check out all the features listed below

Hospitalisation
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IN-PATIENT CARE (HOSPITALISATION)

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

EMERGENCY AMBULANCE

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

HOSPITAL ACCOMMODATION

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Get coverage for all hospital accommodations up to a single private room without any room rent capping under this policy

DOMICILIARY HOSPITALISATION

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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

PRE & POST HOSPITALISATION MEDICAL EXPENSES

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The policy covers expenses 30 days before hospitalization and 60 days post-discharge

ANY AGE ENROLLMENT

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Get health insurance at any age

ALL DAY-CARE TREATMENT COVERED

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Your health insurance will cover a host of dental, ENT and other procedures

ORGAN TRANSPLANT

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Medical expenses for an organ donor’s inpatient treatment for the harvesting of the organ donated is also covered
Standout Features
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FREE LOOK PERIOD

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You have up to 15 days after purchasing the insurance to cancel the plan with refund

CASHLESS FACILITY

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Avail services at our network hospitals on a cashless basis

REFILL BENEFIT

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In case of exhaustion of the base sum insured, get up to 100% of your base sum insured as a refill

RENEWAL FOR LIFE

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The policy assures you renewability for life with no extra loadings based on your claim history

DIRECT CLAIM SETTLEMENT

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

TAX BENEFIT

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Save taxes under section 80D of the income tax act when buying your health insurance policy

ALTERNATIVE TREATMENTS

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Get cover for inpatient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to base sum insured
Add-on Features​
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ANNUAL AGGREGATE DEDUCTIBLE

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Various Annual Aggregate Deductible options ranging from ₹ 10,000 to ₹ 10 lakh are available in the product

PERSONAL ACCIDENT COVER

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Secure your family’s finances against
personal accidents

HOSPITAL CASH

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Get a lump sum payment of ₹ 2,000/day for each 24 hours of hospitalization in addition to the in-patient treatment benefits. This benefit is in addition to the sum insured

ROOM RENT MODIFICATION

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Modify your room rent as given in the base plan up to the sum insured

CRITICAL ILLNESS COVER

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Get coverage against illnesses like cancer, kidney failure etc. depending on the base sum insured

TREATMENT ONLY IN TIERED NETWORK

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Available as a cost-sharing option upon renewal for customers who opted for this cost sharing earlier 

EXCLUSIONS
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PERMANENT EXCLUSIONS

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Obesity and weight control programs

Off- label drug or treatment

Puberty and menopause related disorders

Reproductive medicine & other maternity expenses

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:

Unlawful activity

Treatment received outside India

Unrecognised physician or hospital

Generally, excluded expenses - Any costs or expenses specified in the list of expenses generally excluded at Annexure II of the Policy Document.

PERMANENT EXCLUSION FOR PERSONAL ACCIDENT COVER (if opted)

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We shall not be liable to make any payment under any benefits under the Personal Accident Cover if the claim is attributable to, or based on, or arise out of, or are directly or indirectly connected to any of the following:

a. Suicide or self-inflicted injury, whether the insured person is medically sane or insane.

b. Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.

c. Service in the armed forces, or any police organisation, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.

d. Any change of profession after inception of the policy which results in the enhancement of our risk, if not accepted and endorsed by us on the policy schedule.

e. Committing an assault, a criminal offence or any breach of law with criminal intent.

f. Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.

g. Participation in aviation/marine including crew other than as a passenger in an aircraft/watercraft that is authorised by the relevant regulations to carry such passengers between established airports or ports.

h. Engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow, ice sports, hunting

i. Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However, this exclusion is not applicable to claims made under the Permanent Partial Disability benefit.

 

PERMANENT EXCLUSION FOR CRITICAL ILLNESS COVER (if opted)

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We shall not be liable to make any payment under Critical Illness Cover directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following unless specifically mentioned elsewhere in the policy.


Behavioral, Neurodevelopment and Neurodegenerative Disorders

AYUSH Treatment

Conflict & disaster

External congenital anomaly

Cosmetic and reconstructive surgery

Experimental/ Investigational or Unproven Treatment

Hazardous Activities

HIV, AIDS, and related complex

Mental and psychiatric conditions

Reproductive medicine & other maternity expenses

Sexually transmitted infections & diseases

Substance related and addictive disorders

Traffic offences & unlawful activity

Unrecognised physician or hospital

Claim process

Select and approach insurance/corporate/TPA helpdesk of our network hospital [recommended at least 72 hours before treatment].

For identification purpose use passport, voter card, PAN card or driver's license along with your Max Bupa health card or policy number.

Network hospital will check your identity for validation and submit a pre-authorisation form to us.

We provide our decision to the hospital within 4 hours, when no further document is required.

We may assign a relationship manager to make the hospitalisation simple for you.

Get admitted for treatment and sign all documents, forms and invoices on discharge.

We make payments to the hospital for pre-approved treatment and as per policy terms and conditions

Why choose Money Saver?

Doctors Speak
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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
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Painless renewals
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Assured plan renewal for life

Get up to 20% off on renewals for staying healthy

Get cashless health check annually

Assured policy renewal with no extra loading

Get 20% more coverage for every claim-free year

Add personal accident cover.

Click here>>

Hassle-free 5 minutes renewal process

Seamless renewal options.

Click here>>
Frequently Asked Questions
HOW CAN I BUY THIS POLICY?
WHAT IS HEALTH COACH AND HOW WOULD I BE ELIGIBLE FOR DISCOUNTS UNDER THIS BENEFIT?
IS THERE ANY TAX BENEFIT THAT ONE CAN AVAIL WHILE PURCHASING HEALTH INSURANCE?
IS A MEDICAL CHECKUP NECESSARY BEFORE BUYING A POLICY?
MY WIFE AND CHILDREN ARE RESIDING AT CHANDIGARH WHILE I AM HERE IN DELHI. CAN I COVER ALL OF US IN ONE POLICY?
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 Money Saver

The Max Bupa Promise
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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
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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
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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>