Max Bupa Heartbeat Family Floater Health Insurance Plan-Review

Max Bupa Heartbeat Family Floater Health Insurance Plan-ReviewMax Bupa Heartbeat Family Floater Health Insurance Plan-Review

Every health insurance policy comes up with several terms and conditions. Max Bupa Heartbeat Family Floater Health Insurance Plan comes with unique features which are offered by a few health insurance companies. In this article, we would discuss about Max Bupa heartbeat family floater health insurance, its features, what are covered under this plan and what are not covered.


Also read: LIC Jeevan Argoya Health insurance plan review

Features of Max Bupa Family Floater Health Insurance Plan

  1. Coverage of health insurance plan for Rs 2 Lakhs to Rs 50 Lakhs
  2. One can get covered at any age (Min: 0 years and Max: No limit)
  3. New borne babies can be covered without any additional premiums
  4. Maternity benefits up to 2 deliveries
  5. Life time renewals
  6. Max Bupa settles all claims without any third party settlement
  7. All day care procedures are covered without any exclusion.

Variants of Max Bupa Family floater health insurance Plan

This health insurance plan is available in 3 variants.

  • Silver – Sum assured is Rs 2 Lakhs and Rs 3 Lakhs
  • Gold – Sum assured is Rs 5 Lakhs, Rs 7.5 Lakhs and Rs 10 Lakhs
  • Platinum – Sum assured is Rs 15 Lakhs, Rs 20 Lakhs and Rs 50 Lakhs.

What are covered in this health insurance plan?

  • Pre-hospitalization expenses of 30 days period and post-hospitalization expenses up to 60 days period are covered
  • Complete day care expenses including Chemotherapy, Radio therapy and pathology test are covered
  • Hospitalization expenses like nursing, drugs etc.
  • Doctor consultation fees
  • Hospital expenses and ICU charges (up to 1% of sum assured for daily hospital bed charges)
  • Maternity expenses up to 2 deliveries
  • New born baby would be included without any extra premium. For platinum members, vaccination charges for the first one year would be reimbursed.
  • Domiciliary treatment up to Rs 50,000 are covered
  • Emergency ambulance charges up to Rs 2,000
  • Expenses incurred for organ donor treatment
  • Health relation program benefit every year for 10% of premium paid
  • This health insurance plan available for 1 year, if you consider taking for 2 year plan, it is available at discounted price

What are not covered under this max Bupa health insurance plan?

  • Pre existing diseases for the period of 48 months from the date of policy
  • First 90 days period from the date of policy
  • Senior citizens beyond 65 years, only 80% is payable, balance of 20% need to be borne by insured
  • Cosmetic surgery, obesity treatment, non allopathic treatment, dental treatment or eyesight treatment not covered
  • HIV / AIDS not covered
  • Senior citizens beyond 60+ years, 24 months waiting period for specific conditions.
  • Addictive conditions and disorders
  • Ageing and puberty
  • Artificial life maintenance
  • Circumcision
  • Conflict and disaster
  • Congenital conditions
  • Convalescence and Rehabilitation
  • Drugs and dressings for Out-patient or take-home use
  • Experimental treatment
  • Health hydros, nature cure, wellness clinics etc.
  • Hereditary conditions
  • Items of personal comfort and convenience
  • Non-allopathic treatment
  • Psychiatric and Psychosomatic Conditions
  • Out-patient Treatment
  • Reproductive medicine – Birth control & Assisted reproduction
  • Self-inflicted injuries
  • Sexual problems and gender issues
  • Sexually transmitted diseases
  • Unrecognized physician or Hospital
  • Sleep disorders
  • Speech disorders
  • Active participation in adventure or hazardous sports

You may also like: Reliance life easy care fixed benefit plan

Detailed brochure, terms and conditions can be read at this link:

Conclusion: While there are several health insurance policies, Max Bupa Family Floater Health Insurance Plan comes up with several unique features. Since this insurance company also offers life time renewals, one can consider by reviewing its features, inclusions and exclusions.

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Max Bupa Heartbeat Family Floater Health Insurance Plan-Review


  • Uttam Kamble

    Please send me brochure of heartbeat health insurence policy. Suggest more policies useful for the family.

  • A De

    Dear Suresh,

    Please suggest me a Mediclaim policy for my Wife (29 Yrs) and Daughter(3 Yrs) for a SI of Rs 30 lacs.I hold a mediclaim policy from New India Assurance for SI Rs 2.75 Lacs apart from Midiclaim policy provided by my employer.Kindly suggest.



    A De

    • Arit, Among the health insurance policies I have seen, Max Bupa and Reliance healthcare plans are good. I also heard apollo munich, but yet to research. Would do that next week.

  • N Ravikumar

    Dear Suresh,

    I am depending on my employer's health insurance policy. I am planning to take an Health insureance plan outside, however, I am in confusion to select the product available in the current market. For me, I need in-patient as well as out-patient reimbursements. Can you pls suggest me some good products which would suffice my requirements. I heard Roayl Sundaram offering such products, but need more details.


    Ravikumar N

    • Ravi, out of the articles I reviewed, I felt Max Bupa is good one. I heard thre are others like Apollo Munich health insurance, but I am yet to analyse. Would check royal sundarm too and provide analysis

  • Pavan naga

    Great article…

    Can you please provide a review on Oriental Happy family floater health insurance plan?? Is it good to take?

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