Paisawiki is a Part of Logo
Get insured from the comfort of your home No medicals required

Tell us about you

Max Bupa Heartbeat Family Floater
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Max Bupa Heartbeat Family Floater

Owing to the ever-rising costs of quality healthcare, it has become crucial for people to ensure that a comprehensive medical insurance policy covers their whole family. Opting to invest in a family floater health insurance plan would be the most prudent option in this scenario. Max Bupa Heartbeat Family Floater Plan and similar policies cover the medical expenses of all family members with just one premium payment. These plans would be ideal for a family that has more than two members.

Max Bupa Heartbeat Family Floater Policy is a highly comprehensive, floater health insurance plan. It provides medical coverage for husband, wife, and a maximum of 4 children and is available in two distinct variants, namely Gold and Platinum.  People may compare plan variants of the Max Bupa Heartbeat Family Floater online, and subsequently select the ones that orderly fulfill their requirements.

Reasons to Invest in the Max Bupa Heartbeat Family Floater

All people tend to be exposed to diverse types of ailments and diseases, regardless of their gender or age. Even children encounter severe illnesses that require immediate medical attention. However, owing to the ever-rising medical expenses, good quality medical care becomes unaffordable for many families. The Max Bupa Heartbeat Family Floater helps in avoiding such an eventuality.  It helps people to protect their whole family against any kind of medical condition or accidental hospitalization without breaking their banks.  Cashless treatment is available under this plan, which comes as a great help during medical emergencies. People can easily opt to purchase in this policy for 1 or 2 years, while also getting the facility of lifetime policy renewal.

Features of Max Bupa Heartbeat Family Floater

Some of the salient features of this policy include the following:

  • Expenses incurred in OPD treatment and diagnostic services are covered under the Platinum Max Bupa Heartbeat Family Floater Plan.
  • Medical expenses incurred on treatments that are undertaken under Homeopathy (AYUSH), Sidha, Unani, and Ayurveda are covered up to a certain limit.
  • People can enjoy tax benefits for the Max Bupa Heartbeat Family Floater Policy under Section 80D of Income Tax Act, 1961.
  • Emergency ambulance expenses are also covered in this plan.
  • People can avail cashless facility under the Max Bupa Heartbeat Family Floater Policy at their nearest network hospital.
  • Lifetime plan renewal facility is provided in the Max Bupa Heartbeat Family Floater Policy with no extra expenses, based on the claim history of the policyholder.
  • People can invest in the Max Bupa Heartbeat Family Floater for either 1 year or 2 years. In case the policy buyers opt for the 2 years policy term, then they shall be able to avail a certain sum of discount on the premium.
  • The facility of the second opinion is also under the Platinum version of this plan.
  • People of all ages can be insured under the Max Bupa Heartbeat Family Floater Plan.

Some of the benefits of Max Bupa Heartbeat Family Floater Plan are:

  • In-patient care (hospitalization):  The insurer shall cover the medical costs of the policyholder or their family members up to the sum assured on account of hospitalization.
  • International treatment coverage for specific illnesses: Max Bupa Heartbeat Family Floater Plan provides coverage for emergency hospitalization and specified illnesses outside India (excluding the US and Canada). It also offers covers for emergency medical evacuation outside India. People may additionally extend their coverage to the US and Canada by paying an extra premium.
  • Loyalty Addition: If policyholders renew the Max Bupa Heartbeat Family Floater Policy without any break, the policyholder will get a sum insured enhancement. This would be 10% of the base sum insured per annum, up to a maximum of 100% of the base sum insured.
  • Hospital Cash Benefit: Policyholders can avail of the hospital cash benefit under the Max Bupa Heartbeat Family Floater. This benefit would be provided only if the insured is admitted to the hospital for a minimum period of 48 hours. They additionally would be able to avail hospital cash benefits for a maximum period of 30 days.
  • Domiciliary or in-house treatment: In the scenario that the hospital bed is unavailable, or on the advice a medical practitioner, people can have medical treatment is administered at home. The insurer shall pay for medical treatment undertaken at home if the domiciliary hospitalization lasts for at least 3 consecutive days.
  • Childcare Benefits: Specific vaccination costs for insured children who are under the age of 12 years are covered under Max Bupa Heartbeat Family Floater Policy.  This policy also provides coverage for expenses related to consultation for growth and nutrition that is given to the child during the visit for vaccination.
  • Newborn baby cover: In case the maternity claim is admissible under the Max Bupa Heartbeat Family Floater Policy, the newborn baby shall be covered from birth without any kind of additional premium till the next policy year. The vaccination costs of the newborn baby for the first year would also be covered in case the policyholder chooses to add the baby to the insurance plan for the next year's policy.
  • Maternity Benefit: Maternity benefits would be provided to a female member with continuous 2-year policy.
  • Health check-up: After the completion of the 1st policy year, people can avail cover for health check-ups for diagnostic test purposes under the Max Bupa Heartbeat Family Floater Policy. The Gold variant offers coverage for Rs 2500, while the Platinum variant offers Rs 5000 coverage.
  • SI Refill Benefit: If the base sum of the Max Bupa Heartbeat Family Floater plan gets exhausted, people can get 100% of their base sum insured as a refill for both the same and different illnesses.
  • Direct Claim Settlement:  There are no third-party agents involved in the claim settlement process of the insurance.  All claims are processed by the customer service team of the insurer directly.

Max Bupa Heartbeat Family Floater Plan- Exclusions

Pre-existing conditions: Pre-existing conditions are subject to a waiting period of 24 months from the date of the commencement of the Max Bupa Heartbeat Family Floater Plan

Permanent exclusions:

  • Obesity and Weight Control Programs
  • Off- label drug or treatment
  • Puberty and Menopause Related Disorders
  • Sexually transmitted Infections and diseases
  • Ancillary Hospital Charges
  • Hazardous Activities
  • Artificial life maintenance
  • Sleep disorders
  • Substance-related and Addictive Disorders
  • Traffic Offences and Unlawful Activity
  • Unrecognized Physician or Hospital
  • Cosmetic and Reconstructive Surgery
  • Dental/oral treatment
  • Circumcision
  • Complementary Medicine
  • Congenital Anomaly, Hereditary or Genetic Disorders
  • Convalescence and Rehabilitation
  • Inconsistent, Irrelevant or Incidental Diagnostic procedures
  • Mental and Psychiatric Conditions
  • Non-Medical Expenses
  • Behavioral, Neuro-developmental and Neurodegenerative Disorders
  • Eyesight and Optical Services
  • Experimental/Investigational or Unproven Treatment
  • HIV, AIDS, and related complex
  • Hospitalization not justified
  • Any costs or expenses specified in the list of expenses generally excluded at Annexure-IV of the policy wording
  • Robotic-Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) and Light-based Treatment 

Types of Max Bupa Heartbeat Family Floater

Max Bupa Heartbeat Family Floater plan can be availed as Gold and Platinum plan.

Max Bupa Heartbeat Family Floater Gold Plan

The gold variant of the Max Bupa Heartbeat Family Floater Policy has been designed to help families meet their future medical expenses. This plan is available with the following coverage options:

  • 5 lakh
  •  7.5 lakh
  •  10 lakh
  • 15 lakh
  • 20 lakh
  • 30 lakh
  • 50 lakh

An expansive range of medical expenses are covered under the Gold Max Bupa Heartbeat Family Floater, including the following:

  • Inpatient Hospitalization expenses
  • Pre-hospitalization expenses for 60 days
  • Post-hospitalization expenses for 90 days
  • All daycare treatments
  • Various alternative treatments taken under Homeopathy, Unani, Siddha, and Ayurveda
  • Maternity benefits with no additional cover for adding a newborn from day 1
  • Hospital cash benefit for a maximum of 30 days (for a minimum of 48 hours of hospitalization)
  • Health check-up/diagnostic tests at impaneled hospitals/ healthcare service providers up to Rs 2500
  • Organ Transplant cover
  • Domiciliary Hospitalization expense cover
  • Emergency ambulance charges
  • Pre-existing illness cover after 2 years
  • OPD consultation cover

The minimum entry age for this plan is 18 to 65 years for adults and from 91 days to 21 years under a family floater variant.

Max Bupa Heartbeat Family Floater Platinum Plan

The platinum variant of the Max Bupa Heartbeat Family Floater Policy provides a much superior coverage in comparison to its Gold option. This plan is available with the following coverage options:

  • 15 lakh
  • 20 lakh
  • 50 lakh
  • 1 crore

 The vast range of coverage offered by the Platinum Max Bupa Heartbeat Family Floater includes expenses like:

  • In-patient hospitalization expenses while having no limitation on the category of room rent
  • Pre-hospitalization expenses for 60 days
  • Post-hospitalization expenses for 90 days
  • All daycare treatments
  • OPD treatment and diagnostic services
  • Emergency medical evacuation and hospitalization expenses abroad
  • Alternative treatments such as Unani, Siddha Ayurveda, and Homeopathy
  • Maternity benefits with no additional cover for adding a newborn from day 1
  • 10% increase of sum insured annually irrespective of a claim history as a loyalty benefits
  • Hospital cash benefit as an add-on for Rs 6000/day for a maximum of 30 days (minimum of 48 hours of hospitalization is required) Health check-up/diagnostic tests at impaneled hospitals/ healthcare service providers
  • Organ Transplant cover (including the treatment charges of the donor)
  • Domiciliary Hospitalization for 3 successive days
  • Emergency ambulance charges
  • Health check-up benefit up to Rs 5000

The minimum entry age for this plan is 18 to 65 years for adults and from 91 days to 21 years under a family floater variant.

In the Platinum Max Bupa Heartbeat Family, Floater Policy coverage for overseas treatment expenses is provided as well, except in countries like the US and Canada. The limit for this overseas treatment compensation ranges from Rs 1.5 Lakh to Rs 10 Lakh. On the payment of additional premium, the coverage for the following overseas treatment is provided under the Max Bupa Heartbeat Family Floater Policy:

  • Heart Attack
  • Coronary Angioplasty
  • Stroke
  • CABG
  • Aorta Surgery
  • Brain Surgery
  • Major lung, heart, kidney, and pancreas transplant 

Eligibility Criteria to Buy Max Bupa Heartbeat Family Floater 

Parameters

Details

Entry Age

18-65 years

Children- 91 days-21 years

Maximum family members that can be covered under this plan

2 Adults and 4 children

Sum Insured

Gold variant-Rs 5 Lakh, Rs 7.5 Lakh, Rs 10 Lakh, Rs 15 Lakh, Rs 20 Lakh, Rs 30 Lakh, and Rs 50 Lakh.

Platinum variant – Rs 15 Lakh, Rs 20 Lakh, and Rs 1 Crore

Policy Tenure

One and Two-year options 


Claim Process of Max Bupa Heartbeat Family Floater Plan

Cashless Claim

This would be applicable if the policyholder/insured is admitted at any network hospital of Max Bupa. The steps are as mentioned below:

  • The insured should show an identity proof along with the Max Bupa Health Card or policy number at the reception of the hospital.
  • The network hospital shall subsequently verify the identity and submit the relevant pre-authorization request form to the insurer.
  • The insurer shall review the claim and send the decision about its confirmation or rejection through email or fax. They would also send an SMS to the registered mobile number of the policyholder. In most cases, the insurer responds to a claim request decision within 30 minutes to the hospital.
  • Max Bupa then pays the claimed sum directly to the network hospital after all the necessary formalities have been completed.

Reimbursement Claim

This would be applicable in case the healthcare services are availed from a non-network hospital. The process of claiming Max Bupa health insurance in such a case is mentioned below:

  • The policyholder has to pay the hospital bills by his/her own and then file a reimbursement claim.
  • The policyholder should make sure to carefully collect all the medical reports, prescriptions, bills, receipts, as well as the discharge certificate from the hospital.
  • The policyholder has to fill up the reimbursement claim form with accurate details and send it to the insurer, along with the proof of age, proof of identity, and the documents mentioned above.
  • The insurer would then review the claim and decide to approve or reject it. They might also raise a query about the claim, which should be answered by the policyholder.
  • The insurer would directly deposit the approved claim amount under the Max Bupa Heartbeat Family Floater to the bank account of the policyholder. 

Renewal Process of Max Bupa Heartbeat Family Floater

Max Bupa Heartbeat Family Floater plan renewal can easily be done through the official website of the insurer. The policyholders would simply have to visit the website and follow the steps mentioned below to complete their policy renewal process:

  • Type the policy number and date of the policy
  • Click on “Submit”
  • Check the premium amount for the current year
  • Click "Pay" to make the payment
  • Get the renewed policy instantly

How to Buy Max Bupa Heartbeat Family Floater?

Max Bupa Heartbeat Family Floater can be purchased through both online and offline methods.

Offline process: 

  • Potential buyers may visit their nearest Max Bupa Health Insurance branch
  • Talk about investing in the Max Bupa Heartbeat Family Floater Plan with a representative there
  • Submit the documents requested by the company
  • Make the payment

Online process:

  • Visit the official website of Max Bupa health insurance
  • Fill can fill the form given on the top of this page and click "Proceed”
  • The next page will provide the details of all the health plans
  • Select the Max Bupa Heartbeat Family Floater Plan from the options and click on 'Buy'
  • Make the payment online and buy the policy

Frequently Asked Questions

Written By: Paisawiki - Updated: 30 June 2020

Top Articles

Best Health Insurance Plans in India

Best Health Insurance Plans in India

Best Health Insurance Plans in India 2020 Drafting a sound financial plan is challenging to an individual for reasons more than one. The primary aim of the plan is to cater for financial cover for life goals and long term wealth creation in the fo...
Best Health Insurance Plan For Senior Citizens

Best Health Insurance Plan For Senior Citizens

Best Health Insurance Plan For Senior Citizens When it comes to a health insurance plan it is more than a necessity in today’s times. As we know and will even agree that any eventuality does not come with prior notice or information. In any cas...
Best Health Insurance Companies in India 2020

Best Health Insurance Companies in India 2020

Best Health Insurance Companies in India 2020 Agent: Sir, what type of health policy do you want? Buyer: Yaar kuch bhi de de, sare to same he hote hai almost. Agent: No sir, there are multiple types as per the requirement. Buyer: Achcha, policy...
Best Maternity Insurance Plans in India

Best Maternity Insurance Plans in India

Best Maternity Insurance Plans in India Health insurance with maternity cover and childcare benefits provide for the expenses incurred before, after, and during the delivery process of a child. Expecting parents are often bombarded with expenses ...
Best Dental Insurance Plans in India

Best Dental Insurance Plans in India

Best Dental Insurance Plans in India One of the scariest aspects of everyday life is going to see a dentist. A simple toothache can turn a happy day into a painful experience. And we can’t ignore the expenses associated that can’t assume to be...