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Max Bupa Health Assurance Critical Illness

Objective

A standalone policy that provides financial respite in case policyholder is diagnosed with life threatening illness.

Our View

Critical illness policy is useful as it helps sail through financial turmoil if a family member contracts any life threatening disease. Anyone with a history of critical illness in the family must buy an adequate critical illness cover as the protection offered by a basic health policy may not be sufficient to cover higher expenses.

Suited for

Any one who fulfills the eligibility criteria may take this policy but a critical illness cover is important for a person with family history of any such disease.

What does it do?

This policy covers against 20 critical illnesses. It pays the sum insured on confirmed diagnosis of any listed critical illness. Each covered critical illness has specific exclusions. Once a claim under this cover has been admitted, the policy shall not be renewed for that person.

Pros

This policy can be bought online. It covers 20 illnesses.

It allows lifelong renewal. It offers a discount on selecting 2-year policy term.

Premium paid towards this policy qualifies for tax relief under Section 80D of Income Tax Act.

Eligibility

Entry Age (years)

Minimum
18
Maximum
65
Maximum Policy Renewal Age (years)
Life long renewal
Coverage Type
Individual / Individual+spouse

Sum Insured (Rs)

Maximum
10 lakh
Minimum
3 lakh
Policy Term (years)
1/2
Discount
Discount on selecting 2 years policy term
No Claim Bonus
5% for each claim free years upto maximum of 25% of the sum insured
Pre Policy Medical Check Up
Not required upto 45 years of entry age
Free look Period
15 days
Grace Period for Policy Renewal
30 days
Policy Termination
Either of the insurer or ipolicyholder may cancel this policy by giving a 30 days notice period.

Customer Service

Address
Corporate Office:
Max Bupa Health Insurance Company Limited,
2nd Floor, Salcon Ras Vilas
D-1, District Centre, Saket,
New Delhi 110017
Network Hospitals
Http://www.maxbupa.com/customer-care/health-services/hospital-locator.aspx

Additions to the Plan

Scope Of Cover
Critical Illnesses
Cancercovered with specific exclusions. pays 100% of the Sum Insured.
First Heart Attack
Open Chest Coronary Artery Bypass Surgery
Open Heart Valve Replacement or Repair
Coma
Kidney failure
Stroke
Major Organ Transplant
Paralysis
Motor Neurone Disease
Multiple Sclerosis
Aplastic Anaemia
Bacterial Meningitis
Loss of Speech
End Stage Liver Disease
Deafness
End-stage Lung Disease
Fulminant Viral Hepatitis
Major Burns
Muscular Dystrophy
Exclusions and Waiting Period
Pre-existing diseasescovered after 4 continuous policy renewal
No claim period90 days from policy commencement date
Survival period30 days after confirm diagnosis of critical illness
Other exclusionsAIDS/ HIV or related conditions

Cost Details

Annual Premium for 1 Adult
Age (in years)Sum Insured (in Rs)
3 lakh5 lakh7.5 lakh10 lakh
18-2550984812721696
26-30669111516722229
31-35825137520622749
36-401399233234984664
41-452168361354197225
46-5034495748862111495
51-55534389041335617808
56-608024133732005926745
61-6511984199732995939946
Premiums are exclusive of service tax and cess.
Annual Premium for 2 Adults
Age (in years)Sum Insured (in Rs)
3 lakh5 lakh7.5 lakh10 lakh
18-25891148422262968
26-301171195129263901
31-351444240636094811
36-402448408161228162
41-4537946323948312644
46-50586397721465619542
51-559083151372270530274
56-6013641227343410045467
61-6520373339545093067908
Premiums are exclusive of service tax and cess.