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Max Bupa [email protected]


An online basic health insurance policy that aims to cover against hospitalisation and other incidental expenses.

Suited for

Anyone fulfilling the eligibility criteria can buy this policy. This policy can be bought as an individual or a family floater cover.

What does it do?

This is a health insurance policy available in two variants- Silver and Gold. The policy pays for medical bills for inpatient treatment in a hospital as well as domiciliary treatment taken at home on advice of a doctor. The policy also covers other expenses like ambulance charges.
On paying extra premium, the policy can offer a hospital cash benefit of pre-decided cash amount for each 24 hours completed in a hospital.


This policy can be bought online. It allows lifetime policy renewal.
Premium paid under the policy is eligible for tax benefits under Section 80D of Income Tax Act.


There is capping on room rent cover.
There is a co-payment clause if treatment is availed in higher Zone.

Our View

A slightly expensive policy. Though it offers most of the benefits offered by other basic health insurance policies, there are certain conditions that make it unfavourable. Co-payment clause and capping on room rent act as deterrents. Similar benefits are available at lower cost in the market.

Entry Age (years) 
Minimum18; 3 months for children (Valid under Section 1 only)
Maximum65; 21 (Valid under Section 1 only)
Maximum Policy Renewal Age (years)Life long renewals
Coverage TypeIndividual/ family Floater
Sum Insured (Rs) 
Maximum5 lakh
Minimum2 lakh
Policy Term (years)1 or 2
Tax BenefitSection 80D of the Income Tax Act are applicable
Discount10% on choosing ' Treatment only in Tiered Network' Hospital (excluding 8 metro locations mentioned in policy document)
Discount on selecting a policy tenure of 2 years.
Free look Period15 days starting from the receipt of policy
Co Payment Clause20% of admissible claim on treatment in hospitals located in zone 1 locations if 'Treatment only in Tiered Network' was chosen.
20% for any person with entry age of 65 years and above .
Customer Service 
AddressMax Bupa Health Insurance Company Limited
Corporate Office: 2nd Floor, Salcon Ras Vilas, D-1, District Centre, Saket, New Delhi 110017
Registered Office: Max House, 1 Dr. Jha Marg, Okhla, New Delhi 110020
Mail to[email protected]
Call to1800-3010-3333
Additions to the Plan
Scope of Cover
Silver PlanGold Plan
2 lakh3 lakh4 lakh5 lakhs
Cashless facilityavailable at empanelled network of hospitals
Re-imbursementavailable if treatment taken in non-network hospital
Pre and post hospitalisation300004500060000100000
Inpatient hospitalisationcovers doctor's fees, diagnostics test, medicines, drugs and consumables, Operation Theatre charges, ICU charges and cost of prosthetics and other equipments if implanted internally during a Surgical Operation
Room rent and boardingupto Rs 2000 per dayupto Rs 4000 per day
Day care proceduresAll day care procedures are covered upto a maximum of Sum Insured
Emergency ambulanceMaximum upto Rs 2000 per event for out of network hospital
Domiciliary Treatmentcovered; upto maximum of Rs 10000covered; upto maximum of Rs 15000covered; upto maximum of Rs 20000covered; upto maximum of Rs 25000
Organ Donor Expenses during Transplantcovered
Optional Benefits
Hospital CashRs 1000 per day upto maximum of 30 days per policy year after a minimum of 48 hours of hospitalisationRs 2000 per day upto maximum of 30 days per policy year after a minimum of 48 hours of hospitalisation
Tiered Hospital Network OptionCashless facility available to residents of zone 2 and 3 locations for taking treatment in local network hospitals. Customers opting for this will get 10% discount.
Exclusions and Waiting Period
Pre-existing diseasescovered after a period of 48 months
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting PeriodCertain diseases such as cataract, hernia, diabetes, varicose veins etc. will be covered after a period of 2 years
Co-payment Clause20% of admissible claim on treatment in hospitals located in zone 1* locations if 'Treatment only in Tiered Network' was chosen.20% for any person with entry age of 65 years and above.
General Exclusionsoutpatient treatmentNaturopathy treatmentNon allopathic treatmentDental/ oral treatment, Cosmetic, beauty, weight reduction and other likely treatments.War, participation in any criminal activity or adventurous activities such as mountaineering etc or any other related condition
Annual Premium Rates (Individual)
Age (in years)Sum Insured (R)
2 lakh3 lakh5 lakh
Indicative premiums inclusive of service tax; Premiums do not include the cost of optional benefits.
Premiums differ for each individual depending upon factors such as age, policy term, gender, health conditions etc. For calculating premium, visit company's website.