Tuesday, 20 October 2020

Max Bupa Health Insurance plan and its Benefits

Max Bupa Health Insurance: Max Bupa has brought, health companion plan for you, which is a thoughtful plan for thoughtful people, it is a value for money plan. Apart from it, this plan provides you some unique features also, And the best thing about this plan is, that, this plan provides you the benefits of an Accidental emergency cover from Day 1.

You people already know that, our health can affect us any time due to many factors, like pollution adulteration and healthy lifestyle and our some addictive habits, this is why this plan covers accidental medical emergency without any waiting period.
Max Bupa Health Insurance plan and its Benefits

It also provides you the facility of pre and post-hospitalization. It means before you get hospitalized there are few expenses which you get in your pre-medical home treatment. This plan also covers those expenses up to 30 days. Apart from this when you get discharged from hospital and go back to your home, then you also get some expenses regarding your post-medical treatment at your home, expenses like medicines of patient doctors fees and diagnostic tests, etc.

This plan also covers these expenses up to 60 days. Now comes the inpatient hospitalization, which covers room charges, ICU charges operation charges and oxygen blood anesthesia, you get all these charges covered in this plan up to sum insured. All daycare treatment facility is available in this plan, all daycare treatments means those treatments which are done in less than 24 hours. In such treatments, the patient is not required to get admitted to the hospital.

Max Bupa Health Companion plan cover all such daycare treatment like chemotherapy, radiotherapy, laser operations, etc up to sum insured. Organ donor is also covered up to the sum insured in this plan Emergency ground ambulance is covered up to Rs 3000/- per event. Domiciliary treatment facility is also available in this plan.

Domiciliary treatment means, in case the patient did not get admitted to the hospital due to the non-availability of rooms in the hospital. In this situation you can get your treatment done in your home and expenses regarding your home medical treatment are covered in this plan up to sum insured.

Animal bite covered is available to you up to rupees 7500. Alternative treatment facility is also covered in this plan. In case you want to take nonallopathic treatments like Unani, Siddha, and Ayurveda all these kinds of treatments are available up to the sum insured.

Benefits of this Insurance

First comes the no claim bonus. In Max Bupa Health companion plan you get 20% bonus in case you do not take any claim and it will go upto maximum up 100%. As we know, that day by day medical expenses are touching skies and in coming years we have no idea that how higher our hospital bills will go.

This is why Max Bupa provided you claim free bonus every year and the best thing about this is your bonus will never get reduced in case of claim and you don't have to pay extra premium for this.

Another benefit of complementary health checkup is provided to you which is completely free of cost and you will get this benefit every year in this plan on renewal of your policy.

Refill benefit is also available incase your sum insured will get exhausted at the time of your claim Company will provide you with the refill amount which is equal to the amount of your base sum insured and other members of your family can use this amount for any illness.

We know that room rent is a basic component in the policy, but still few companies set limits on room rent which directly affects customers pocket and apart from this few companies also put co-payment clause in their policies because of which customers need to pay part of the treatment from their pocket, but in Max Bupa health companion plan there is no kind of capping in room rents Single private room is available to you of any category. There are no co-payments at any age in this policy.

Hospital cash up to Rs.4000/- is available in this plan You get the facility of lifelong renewal in this plan You can take some insured starting from 3 lakh to 1 crore in this plan.

Child age is defined as 91 days to 21 years. In this plan for adults minimum age is 18 years and the maximum age is not defined. The waiting period of this plan, you get an initial waiting period of 30 days and this is not applicable to accidental injuries. For pre-existing disease, you get the waiting period of 3 to 4 years and for the specific disease, it is 2 years.

Why you should get health insurance?

Current urban life is fast-paced and fun but it also brings with it stress and lifestyle diseases. There is just not enough time for things that matter or to be prepared for any eventuality. Therefore there are more than enough reasons for you to get health insurance.

• Medical costs have been rising by double digits cost of medical care in India has increased manifold and it's rising at fifteen percent a year as you get older you require more medical attention.

• Your employer health cover is not enough. check the cost of a week's hospitalization for a regular illness chances are that you will want to immediately protect yourself better.

• Modern living coupled with stress has led to the rise of diseases is such as heart cancer and Stroke it is important to secure oneself with 61 percent of all deaths in India due to non-communicable diseases. Now is the time to get yourself covered.

• Reason for buying early means a better price the earlier you buy the policy the lower the cost will be in addition help save taxes which will make you a smarter financial planner.

• New age health insurance plans cover more than hospitalization health plans now cover you for daycare procedures OPD health check-ups from the time you get the policy and even help you manage your fitness. so make the smart decision get health insurance and protect yourself and your loved ones.

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