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Max Bupa Health Assurance Personal Accident


A plain accidental policy that aims to provide financial relief to insured member or his family in event of accidental death or disability.

Suited for

This policy is useful for those who have high exposure to risk of accidental injuries, on the job or otherwise.

What does it do?

Like other standalone personal accident policies, it pays a lump sum amount in case of accidental death of insured person. Under family plan, the death benefit varies for each insured family member subject to certain limits. Apart from death, this policy also covers permanent partial disability for up to 100 per cent of sum insured and permanent total disability for up to 125 per cent of sum insured. Child education benefit for continuing education of deceased's children is an added advantage. If the insurer accepts claim under accidental death, it also makes a one time payment towards funeral expenses.


This policy can be bought online. It pays a premium discount on selecting a 2-year policy term.


It does not cover accidental temporary disability.

Our View

USP is that it offers a lifelong policy renewal. However, if you are not comfortable with high premiums, go for accidental policies from other insurers who cover you till 70 or 80 years of age at lesser premiums.

Entry Age (years) 
Minimum18; 5 years for children
Maximum65; 21 years for children
Maximum Policy Renewal Age (years)Life long renewal
Coverage TypeIndividual / Family
Sum Insured (Rs) 
Maximum25 lakh
Minimum5 lakh
Policy Term (years)1/ 2
DiscountDiscount on selecting 2 years policy term
No Claim Bonus5% for each claim free years upto maximum of 25% of the sum insured
Free look Period15 days
Grace Period for Policy Renewal30 days
Policy TerminationEither of the insurer or ipolicyholder may cancel this policy by giving a 30 days notice period.
Customer Service 
AddressCorporate Office:
Max Bupa Health Insurance Company Limited,
2nd Floor, Salcon Ras Vilas
D-1, District Centre, Saket,
New Delhi 110017
Call to1800 3010 3333 (toll free)
Additions to the Plan
Scope Of Cover
Accidental deathcovered for upto 100% of sum insured
Permanent Partial Disabilitycovered for 25% upto 100% of sum insured depending on the degree of disability
Permanent Total Disabilitycovered for upto 125% of sum insured;
Child Education Benefit(for family plan where children are covered)pays lower of 5% of sum insured or Rs 50000 in case of accidental death or Permanent Total Disability
Funeral expensespays Rs 5000
Exclusions and Waiting Period
Pre-existing diseasesnot covered
Annual Premium
Age (in years)Sum Insured (in Rs)
5 lakh10 lakh20 lakh25 lakh
1 Adult694138227883483
1 Adult + 1 Child1120224046945864
1 Adult + 2 Child1120224046945864
2 Adult + 1 Child1120224046945864
2 Adult + 2 Child1120224046945864
Premiums are exclusive of service tax and cess