Max Bupa introduces family health insurance plan

Launches the new version of flagship product Heartbeat Health Insurance with a host of industry first benefits for customers

July 30, 2014 5:16 IST | India Infoline News Service
Max Bupa has introduced the new edition of its flagship product Heartbeat Health Insurance Plan, offering individuals, nuclear and extended families the most comprehensive health insurance plan.

The plan  distinguishes itself from other plans available in the market with the introduction of many new features like international cashless treatment for 9 major critical illnesses, worldwide emergency medical evacuation, flexibility in sum assured ranging from Rs 2 lakh to 1 crore, reduced waiting period of 24 months on pre-existing diseases for sum insured of Rs. 5 lakh and above, coverage for upto 14 relationships under a single policy and option for loyal customers to enhance sum insured on renewal, irrespective of claim history.

In continuation of its endeavor to address the health needs of senior citizens, Max Bupa has introduced the option of tapering co-pay, another industry first feature that provides customers above 60, a comprehensive coverage, with reducing and subsequently zero co-payment on continuous renewal. Max Bupa was the first insurer to offer any age enrollment and lifelong renewal with the launch of Heartbeat in 2010, enabling senior citizens to access quality healthcare, who were until then excluded from the ambit of health insurance, owing to high risk associated with the segment.
Talking about Max Bupa’s focus on providing quality family health insurance offerings to customers, Manasije Mishra, Chief Executive Officer, Max Bupa said “Our flagship product Heartbeat Health Insurance Plan is already the most preferred family health cover in the market. The new edition of Heartbeat has been designed to address the evolving health needs of our customers. Our research indicates that customers are looking for best quality healthcare for their families, in India and abroad. The new Heartbeat Health Insurance Plan offers exclusive benefits to families like international treatment, reduced waiting periods and comprehensive coverage upto Rs 1 Crore.”
One of the most significant features of Heartbeat Health Insurance Plan is that Max Bupa customers can now avail cashless treatment abroad for nine major critical illnesses including Cancer, Heart Attack, Organ Transplant, Stroke, Brain Surgery among others. Max Bupa customers can access of Bupa International’s network of quality hospitals across 190 countries. Also, in case of a medical emergency outside India, Bupa International will provide medical evacuation assistance to the customers.
The increasing incidence of lifestyle and critical illnesses, escalating healthcare costs due to inflation and advancement in technology and treatment protocols, has created a demand for higher health insurance covers. Heartbeat Health Insurance Plan will now offer customers the option to choose a sum assured ranging from Rs 2 lakhs upto 1 crore.
Max Bupa will now give families an option to cover upto 14 family relationships in a single policy under Heartbeat Family First  Family First, a product design exclusive to Max Bupa, offers an additional floater amount that can be utilized by any  member of the extended family, along with a fixed sum assured to each individual under a single policy. It is one of the most cost effective family health insurance product in the market.
In another customer centric move, through Max Bupa Health Relationship Loyalty initiative, customers are given a choice to opt for an additional 10% sum insured on renewal that can accumulate up to 50% of sum insured on continous renewal, or avail 10% of premium as loyalty points for a host of health and lifestyle products and services. Unlike the conventional industry practice of rewarding customers based of their claim history, Max Bupa rewards customer loyalty irrespective of whether they have claimed or not.
In the new edition of Heartbeat, Max Bupa will cover pre –existing diseases after two years, against general industry practice of four years, to enable customers to use their health cover when they need it.
In addition to comprehensive family products, Max Bupa provides seamless and personalized customer service, through a host of service benefits like cashless approval within one hour of submitting all information, 24x7 customer helpline for claims related queries and instant access to personal information on Max Bupa website including claim history, health information and health profile.

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