Ask Satya


  1. I have medi claim last 3 years Now switch to another Company . Is this ok?

    You can look up for the other policies offered by that company. If your requirements like top up benefit, no claim bonus etc are not being fulfilled then you may contact the other companies. For more information on this please call: 1800-3010-3333

  2. How to get best health insurance?

    Buying a best health insurance depends on a myriad of factors–the ages, individual or for family, whether the benefits are as per the need, the health of who is being covered and the type of policy you need, among other things. For more details visit: https://www.maxbupa.com/health-articles/general-health/best-health-insurance.aspx

  3. What if I pay for a plan and never use it? The calculator estimates I would pay rs. 280 a month will I be refunded? That's a lot of rs. for nothing it's cheaper to pay the penalty! We just pay out of pocket when we go to the doctor if its a big bill the hospital will let us pay on a payment plan so why go for this healthcare plan?

    We should always be prepared for medical emergencies. Emergencies like sickness, disease and accidents which may result in prolonged hospitalization, can leave you in severe financial crisis unless you have a comprehensive medical insurance policy which takes care of all your hospitalization expenses.

  4. do I need a medical screening

    Not everytime. It depends on the plan you are choosing and the age of the person being insured.For more information on this please call: 1800-3010-3333

  5. what is covered in the health insurance

    Our health insurance plan offers many unique benefits such as:

      1. Direct Claim settlement, not through third parties
      2. Cashless hospitalization at more than 3500 network hospitals across the country
      3. No entry age restriction and can cover every member of the family
      4. Additional Coverage for Platinum Customers – We cover treatment cost of 9 critical illnesses in any country of your choice.
      5. Cover for maternity and new born child
      6. Healthy relationship Loyalty Rewards is offered if the plan is renewed without a break.
      7. Most Comprehensive Cover: From 2Lakhs to 1Cr in Max Bupa.
      8. One policy cover many (even up to 19)relationships
      9. High Deductable option, if you think that your current health cover is inadequate, just top-up your current coverage which provides you comprehensive cover at affordable costs.
      10. Complementary Health check up (on renewal as per plan chosen)
      11. Tax Saving: You also save Tax upto Rs.35,000/-under Sec 80D of Income Tax Act. Tax benefits are subject to change in Tax laws.
      12. Medical expenses for all day-care procedures are covered
      13. ICU expenses are covered up to sum insured
      14. hospitalization expenses are covered and many more
  6. " What if I want to renew my health insurance policy after one year?"

    You may enjoy many renewal benefits as per company's policy and plans. Like with Max Bupa you can also earn loyalty points , avail njo claim bonus, opt for a top-up plan, upgrade to a better plan etc. For more information on this please call: 1800-3010-3333

  7. Is there an Income Tax exemption under Health policy?

    Yes, You can save up to Rs.35,000/- under Health insurance policy. Tax benefits are subject to changes in the tax laws. Tax Savings for up to Rs. 25,000/- for self, spouse and dependent children, additional Rs. 25,000/- for dependant parents or Rs. 30,000/- if dependant parents are senior citizens.With new budget 2015-16 you will be able to save up to Rs. 55,000/-. For more information on this please call: 1800-3010-3333 or please consult your tax advisor for more details.

  8. I am suffering from lot acne problem can I ever cure them????

    Apply Honey, to your face, allow it to dry and leave it, it works magic overnight, Honey is said to fight bacteria and prevent or reduce acne breakouts. Honey does have strong antibacterial qualities, but the jury's still out on whether it effectively treats acne

  9. Is a medical checkup necessary before buying a Health policy?

    Not everytime. It depends on the plan you are choosing and the age of the person being insured.For more information on this please call: 1800-3010-3333

  10. Will the health policy cover for an illness that I had prior to taking the policy ?

    The policy goes through a medical underwriting before issance. So depending on the nature and acuteness of the illness, it is decided whether policy will/wont be offered, with/without any loading of the premium. For more information on this please call: 1800-3010-3333

  11. What benefits does Max Bupa Health Insurance offers which are better from other similar Health Insurance providing companies and is it beneficial for youths?

    Our health insurance plan offers many unique benefits such as:

      1. Direct Claim settlement, not through third parties
      2. Cashless hospitalization at more than 3500 network hospitals across the country
      3. No entry age restriction and can cover every member of the family
      4. Additional Coverage for Platinum Customers – We cover treatment cost of 9 critical illnesses in any country of your choice.
      5. Cover for maternity and new born child
      6. Healthy relationship Loyalty Rewards is offered if the plan is renewed without a break.
      7. Most Comprehensive Cover: From 2Lakhs to 1Cr in Max Bupa.
      8. One policy cover many (even up to 19)relationships
      9. High Deductable option, if you think that your current health cover is inadequate, just top-up your current coverage which provides you comprehensive cover at affordable costs.
      10. Complementary Health check up (on renewal as per plan chosen)
      11. Tax Saving: You also save Tax upto Rs.35,000/-under Sec 80D of Income Tax Act. Tax benefits are subject to change in Tax laws.
      12. Medical expenses for all day-care procedures are covered
      13. ICU expenses are covered up to sum insured
      14. hospitalization expenses are covered and many more
  12. How to take care of skin and in polluted area like mumbai? are there any foods which can be consumed for same?

    Water: Stay hydrated to flush toxins through your system and keep your skin (and entire body) healthy.
    Skin Care Products:Choose skin care products that contain protective ingredients such as vitamins A, C and E.
    Cleanse: Cleanse your skin thoroughly each day to remove the layer of dirt and grime and prevent build-up and congestion.
    Sunscreen:The diminishing ozone layer results in increased UV exposure, more sunburns, and higher rates of melanoma. UV exposure increases free radical activity. Protect your skin from the damaging effects of the sun and ozone.

  13. What is blood pressure?

    It is the pressure of the blood in the circulatory system, often measured for diagnosis since it is closely related to the force and rate of the heartbeat and the diameter and elasticity of the arterial walls.

  14. "Mere paas SBILIFE Unit Plus 2 regular ka insurance plan hair.Jo Maine 16-12-2009 se shuru kara. Jiski premium 30000 Rs total 6 years tak hai Jo 16-09-2015 ko khatam hog . isko kistarha mai apne liye use karoo. Please advice mujhe is policy ke bare me koi jaankari nahi hai.

    We are not entitled to answer the questions related to other insurance companies. Please ask questions related to "Health Insurance", Health or Max Bupa only.

  15. What is the procedure to get Reimbursement in case of emergency hospitalization?

    To understand the claims process in case of emergency hospitalization, , kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx.

  16. Will I get the entire amount of the claimed expenses?

    It depends on the benefits of your plan. To know about the exclusions in detail for every plan, kindly visit https://www.maxbupa.com/customer-care/health-services/exclusions.aspx

  17. When will my claim be reimbursed?

    Cahsless claims are paid during discharge and reimbursment claims are usually paid with 15day's from the time you send us all the documents.

  18. I have medi claim last 3 years Now switch to another Company . Is this ok?

    You can look up for the other policies offered by that company. If your requirements like top up benefit, no claim bonus etc are not being fulfilled then you may contact the other companies. For more information on this please call: 1800-3010-3333

  19. What documents should one obtain before discharge from the hospital in case of cash less facility availed?

    You don't have to send us any documents in a cashless facility, as it?s a direct settlement of benfits. However you should collect the discharge documents from the hospital for your own records.

  20. What is the benefit of carrying a health card?

    It helps a customer to avail cashless facility is offered in our network hospitals. To understand the claim process, kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx.

  21. How to get best health insurance?

    Buying a best health insurance depends on a myriad of factors?the ages, individual or for family, whether the benefits are as per the need, the health of who is being covered and the type of policy you need, among other things. For more details visit: https://www.maxbupa.com/health-articles/general-health/best-health-insurance.aspx

  22. If i am suffering from some serious health problem will it be covered under health insurance

    The policy goes through a medical underwriting before issance. So depending on the nature and acuteness of the illness, it is decided whether policy will/wont be offered, with/without any loading of the premium. For more information on this please call: 1800-3010-3333

  23. What if I pay for a plan and never use it? The calculator estimates I would pay rs. 280 a month will I be refunded? That's a lot of rs. for nothing it's cheaper to pay the penalty! We just pay out of pocket when we go to the doctor if its a big bill the h

    We should always be prepared for medical emergencies. Emergencies like sickness, disease and accidents which may result in prolonged hospitalization, can leave you in severe financial crisis unless you have a comprehensive medical insurance policy which takes care of all your hospitalization expenses.

  24. Can i split my health insurance into 2 different policies?

    Yes, you can split the policy on the renewal.

  25. if i have 2 health insurance policies one personal and one official and during one of my operation can i use both the heath insurance policy can be used to cover the whole operation charges??

    Yes, it is allowed. In fact, this allows you to have a higher coverage and also get some discounts on the premium as you can take some coverages as a top-up with deductible options. Yes you can claim from both the policies. To understand the claim process, kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx.

  26. do I need a medical screening

    Not everytime. It depends on the plan you are choosing and the age of the person being insured.For more information on this please call: 1800-3010-3333

  27. what is covered in the health insurance

    Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for maternity and new born child 6. Healthy relationship Loyalty Rewards is offered if the pla

  28. Is there an Income Tax exemption under Health policy?

    Yes, You can save up to Rs.35,000/- under Health insurance policy. Tax benefits are subject to changes in the tax laws. Tax Savings for up to Rs. 25,000/- for self, spouse and dependent children, additional Rs. 25,000/- for dependant parents or Rs. 30,000/- if dependant parents are senior citizens.With new budget 2015-16 you will be able to save up to Rs. 55,000/-. For more information on this please call: 1800-3010-3333 or please consult your tax advisor for more details.

  29. I am suffering from lot acne problem can I ever cure them????

    Apply Honey, to your face, allow it to dry and leave it, it works magic overnight, Honey is said to fight bacteria and prevent or reduce acne breakouts. Honey does have strong antibacterial qualities, but the jury's still out on whether it effectively treats acne

  30. Is a medical checkup necessary before buying a Health policy?

    Not everytime. It depends on the plan you are choosing and the age of the person being insured.For more information on this please call: 1800-3010-3333

  31. How does one get Reimbursements in case of treatment in non- network hospitals?

    To understand the claims process in case of out of network hospitalization, , kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx.

  32. Does any health policy cover the treatment for existing disease also?

    No, coverage from the first year is not availble in any retail policy in India for Pre Existing Conditions.

  33. Will the health policy cover for an illness that I had prior to taking the policy ?

    The policy goes through a medical underwriting before issance. So depending on the nature and acuteness of the illness, it is decided whether policy will/wont be offered, with/without any loading of the premium. For more information on this please call: 1800-3010-3333

  34. Considering cost of hospital expenses are increasing at exorbitant rates every year and the health insurance cover we have is constant (with premium increasing as per age bracket) what are the options for us to protect ourselves against this problem? Is t

    In our offering we charge premium based on the age of the insured and this premium is arrived on the basis of the claims data of the Indian population. Also, considering that the medical inflation in India is very high, insurance companies may revise their premiums occasionally. Customer's have an option of increasing the sum insured amount at the time of renewal and also the customers can opt for top up coverages, critical illness coverages, accidental coverages to increase the coverage amount

  35. "What is the major difference between Mediclaim policy and Health insurance policy. Why this two cant be clubbed with each other and have joint benefit?

    Health insurance can be of two types ? indemnity and benefit. An indemnity insurance policy often referred as Mediclaim policy, offers reimbursement or cashless settlement of your actual medical expenses within the specified limit. On the other hand in a benefit policy, a fixed sum of money is given on the happening of an event as specified in the policy. Please visit https://www.maxbupa.com/health-articles/articles/understanding-health-insurance-and-mediclaim-in-modern-india.aspx for further in

  36. Will health insurance cover maternity benefits?

    Yes, in Max Bupa we have plans which offers some of the best coverages for maternity. For more information on this please call: 1800-3010-3333

  37. what are the benefits of health insurance? there are so many companies giving insurance but hpw can you satisfy me about the benefits of health insurance?

    Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for maternity and new born child 6. Healthy relationship Loyalty Rewards is offered if the plan

  38. I'm just 22 and recently recovered from Hepatitis A I have noticed that after the recovery I have lost a lost of stamina Earlier I was able to walk miles together but now I feel tired after walking a little I have lost a lot of stamina? What could I do to

  39. How to take care of skin and in polluted area like mumbai? are there any foods which can be consumed for same?

    Water: Stay hydrated to flush toxins through your system and keep your skin (and entire body) healthy. Skin Care Products: Choose skin care products that contain protective ingredients such as vitamins A, C and E. Cleanse: Cleanse your skin thoroughly each day to remove the layer of dirt and grime and prevent build-up and congestion. Sunscreen: The diminishing ozone layer results in increased UV exposure, more sunburns, and higher rates of melanoma. UV exposure increases free radical activity. P

  40. What is blood pressure?

    It is the pressure of the blood in the circulatory system, often measured for diagnosis since it is closely related to the force and rate of the heartbeat and the diameter and elasticity of the arterial walls.

  41. "Mere paas SBILIFE Unit Plus 2 regular ka insurance plan hair.Jo Maine 16-12-2009 se shuru kara. Jiski premium 30000 Rs total 6 years tak hai Jo 16-09-2015 ko khatam hog . isko kistarha mai apne liye use karoo. Please advice mujhe is policy ke bare m

    We are not entitled to answer the questions related to other insurance companies. Please ask questions related to "Health Insurance", Health or Max Bupa only.

  42. What Benefits Can I Claim During Emergencies In Overall India With The Help of Health Insurance Policy?

    Emergency hospitalization charges will be paid either cashless or on reimbursement basis if you are hopitalised anywhere in India.

  43. Does Health Insurance cover everything from accident surgery normal hospitalization ?

    Yes, coverage depends on the plan you are choosing. For more information on this please call: 1800-3010-3333

  44. How Health Insurance differs from Mediclaim . Secondly is it applicable Out of India also if I am travelling

    Health insurance can be of two types ? indemnity and benefit. An indemnity insurance policy often referred as Mediclaim policy, offers reimbursement or cashless settlement of your actual medical expenses within the specified limit. On the other hand in a benefit policy, a fixed sum of money is given on the happening of an event as specified in the policy. Coverage for out of India treatment depends upon th benefits in the chosen plan. Please visit https://www.maxbupa.com/health-articles/articles

  45. How to claim successfully in case of emergency and planned hospitalization?

    To understand the claims process in case of emergency and planned hospitalization, , kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx.

  46. What are the advantages of sticking to one Health Insurance company for a long time ?

    There are many benefits you will receive for continuing your policy with one company. For example, if you keep renewing your policy with us, you will receive the following benefits amongst others: 1. We provide free health checkup every year for all the members insured by us. Additionally, you can choose to enhance your sum insured as a loyalty benefit even if there is a claim at no extra cost or you can avail health services and products worth up to 10% of previous premium amount. The enhanceme

  47. What are the top most things one should check in the policy documents ?

    Coverages and exclusions of the policy.

  48. If there are no loading charges can premium still change on renewal?

    In our offering we charge premium based on the age of the insured and this premium is arrived on the basis of the claims data of the Indian population and since the age changes every year therefore the premium also increases marginally.

  49. During the course of my treatment can I change the hospitals?

    Only if it is Medically required and advised by the treating Doctor.

  50. What are the situations under which one may be denied cashless hospitalization?

    Denial of the cashless claim is possible only if the Pre-autorization is not completed in the given time because of which the company needs some time to take the decision for the approval.

  51. Whom can I approach in case of a conflict with insurance company with regards to my claims?

    Ombudsman are appointed by the Governing body of the insurance council. Their function is to resolve complaints in respect of dispute between policyholders and insurers in cost effective, efficient and impartial manner.

  52. What is the difference between Critical illness insurance and normal health insurance ?

    A critical illness policy would cover specified Illnesses named as per the plan and would give Sum Assured upon the diagnoses any of the named CI however a Normal Health Insurance Plan would cover the hopitalization expenses which can be because of any Health Condition as per the plan coverage, upto the actual expenses.

  53. What is the benefit of critical illness policy?

    Critical illness plan gives coverage for the named 20 CI's and gives the entire Sum insured upon the diagnosis of the health plan.

  54. What is Domiciliary Hospitalization?

    Medical Expenses for medical treatment for domiciliary treatment taken at home if this continues for an uninterrupted period of 3 days as long as either: the attending Doctor confirms that the Insured Person could not be transferred to a Hospital or the customer satisfies the company that a Hospital bed was unavailable.

  55. Can a person get claim from his own company and spouse company if they are covered under both companies ?

    Yes, it is allowed. In fact, this allows you to have a higher coverage and if in case during hospitalization claim amount exceeds the coverage amount customer can utilise another policy in which he/she is covered. To understand the claim process, kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx.

  56. How is health insurance can be converted in to life insurance

    No, it is not possible as Health Plans are Indeminity policies and Life Insurance policies are benefit policies.

  57. What is difference between health insurance & life insurance?

    Health Plan are Indeminity policies and Life Insurance policies are benefit policies. Health plan coveres the hospitalization expenses however life insurance pays upon Death or Maturity which ever earlier.

  58. health insurance claiming is always known as hectic thing. is it true for all health insurance provider?

    No, it is not true, as MBHI has given cashless treatment approval with 30mins as well. kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx.

  59. hi my question is can we Avail treatment anywhere in the world??or too some specfic hospitals?

    Treatment outside India depends on the plan benefits. Within India treatment can be taken in Network hospitals on cashless basis and in Non network hopitals on reimbursment basis.

  60. is there any caseless treatment available too??

    Cashless treatment is available in network hopitals. To see the list of the network hospitals kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx.

  61. What is the difference between a family floater and critical illness or hospital cash insurance?

    A critical illness policy would cover specified Illnesses named as per the plan and would give Sum Assured upon the diagnoses any of the named CI however a Normal Health Insurance Plan (Family Floater) would cover the hopitalization expenses which can be because of any Health Condition as per the plan coverage, upto the actual expenses. Hospital Cash gives additional daily expenses per day for specified number of days.

  62. What is beneficial for me - floater insurance or an individual insurance?

    It depends on the family size. Individual would cover expenses towards hopitalization for the Single Insured member however the Family floater would cover a family.

  63. What are the documents required for portability?";}"

    Customer to fill up the Portability form along with a copy of last 4 year policy document (as applicable) and claim history of last 4 years (as applicable) . kindly visit https://www.maxbupa.com

  64. How does the Auto recharge work?please brief me aboout it ..thanxx :)

    Refill facility is available in Health Companion plan which comes into picture if the claim amount exceeds the Sum Insured for the customer.

  65. What Does the Plan Cover?Is this a company I can trust with my health?How much will I pay?What benefits are provided?What are my options?"

    1) Health plans cover the hospitalization expenses as per the plan coverage on Cashless basis in Network hospitals and on reimbursment basis in non network hopitals. 2) MBHI offers unique benefits in comparision with the other companies in the Industry. 3) Premium in MBHi depends on the age of the insured members. Please visit https://www.maxbupa.com/health-articles/articles/understanding-health-insurance-and-mediclaim-in-modern-india.aspx for further information.

  66. What doctors can I see?

    Medical practioner who is qualified and allowed to practice in India.

  67. What Type of Plan Is It? How Much Will I Have to Pay for Medical Care?Will I Be Able to Use My Current Doctors?What Benefits Are Included?Are Routine Examinations Covered?

    Health plans cover the hospitalization expenses as per the plan coverage on Cashless basis in Network hospitals and on reimbursment basis in non network hopitals. MBHI offers unique benefits in comparision with the other companies in the Industry. Premium in MBHi depends on the age of the insured members. Please visit https://www.maxbupa.com/health-articles/articles/understanding-health-insurance-and-mediclaim-in-modern-india.aspx for further information.

  68. We are a family of 4 members. My parents aged 55 & 52. Myself 24 and my sister 17. Is it better to take a floater policy for my parents or individual policy in each of ours names ?

    You have all the options available to cover the entire family in one plan. Extended Family Floater is a award winning plan which gives additional coverage for the Extended Families. Please visit https://www.maxbupa.com

  69. I have underwent three major replacement surgeries (both hips & knee) in my teenage. I am a juvenile arthritic. My docs have said that these replaced joints come with an expiry date. 10-15 years. After that it has to be replaced again. With proper care wi

    No, coverage from the first year is not availble in any retail policy in India for Pre Existing Conditions.

  70. can diebetic or heart patient get good insurance plan??

    Yes, it depends on the age and the policy that benefits in the plan that you chose.

  71. Please suggest me health insurance family plan & benefits

    Buying a best health insurance depends on a myriad of factors?the ages, individual or for family, whether the benefits are as per the need, the health of who is being covered and the type of policy you need, among other things. For more details visit: https://www.maxbupa.com/health-articles/general-health/best-health-insurance.aspx

  72. If I am having a family floater from a company can my family member can purchase the same product from the same company again?

    Yes, however for any hospitalization the expenses would be covered form one policy in one go and if the expenses exceed the coverage the sencond plan can also be utilized.

  73. Will I get the money back if I don't use it for five years ?

    No, this is a Indeminty plan and offers coverage for one year and customer's can extend the coverage on the renewal.

  74. How can I have health insurance policy for my parents who are senior citizens. And how can they enjoy the benefits

    Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for maternity and new born child 6. Healthy relationship Loyalty Rewards is offered if the plan

  75. Can we take the health insurance for a 3 year old kid and what are the benefits

    Individual policy to 3 year old is not possible so a adult should be insured in the plan. Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for m

  76. pregnancy is not covered in health insurance as there is risk involved during delivery which we cannot predict we are asked to wait few years since the date of taking the policy to get it under coverage i dont know why companies say so plz explain why

    Yes, in Max Bupa we have plans which offers some of the best coverages for maternity. For more information on this please call: 1800-3010-3333 or kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx

  77. How to claim successfully in case of emergency and planned hospitalization?

    1. In case of an emergency, you can notify after getting hospitalized. 2). In case of planned hospitalization pre autorization should be done 72 hr's before hospitalization. 3).To understand the claim process, kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx

  78. s it better to take accidental policy separately or mix it with term insurance as a rider?

    It is always suggested to buy a separate Accidental plan for increased coverage amount and the benefits, as buying the accidental coverage as a rider may not have all the benefits.

  79. I have a question that if anyone is sick (any type) so can he able to invest money in Health Insurance now...? and did Health Insurance protect me until i get better..?

    No, coverage from the first year is not availble in any retail policy in India for Pre Existing Conditions.

  80. I have a question that if anyone is sick (any type) so can he able to invest money in Health Insurance now...? and did Health Insurance protect me until i get better..?

    No, coverage from the first year is not availble in any retail policy in India for Pre Existing Conditions.

  81. Is there any limit of claims every year?

    No there is no limit on the number of claims in a Health plan, upto Sum Insured amount a customer can make multiple claims.

  82. I am 24 Years old...i am having Gastic problem which causes problem in breathing...and my mother have Diabetic .we are 3 members in a family...I my brother and my mother...Can i get any suggestion regarding any good health insurance to be buyed

    Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for maternity and new born child 6. Healthy relationship Loyalty Rewards is offered if the plan

  83. I already have a medical cover from my employer but am planning to take a floater health insurance policy for my senior citizen parents. What are the parameters to look at?

    Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for maternity and new born child 6. Healthy relationship Loyalty Rewards is offered if the plan

  84. What should I do if my health is rejected maximum number of claims allowed in a year and document required to make a claim?

    1. If you have been previously declined, you can re-apply after 6 months to be insured. 2. There are not limits on the number of claims, multiple claims are allowed up to the sum insured. 3. To understand the claim process, kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx

  85. Why year by year there is increasing in the premium of a health insurance?

    In our offering we charge premium based on the age of the insured and this premium is arrived on the basis of the claims data of the Indian population and since the age changes every year therefore the premium also increases marginally.

  86. Does Health Insurance cover everything from accident surgery normal hospitalization ?

    Yes, coverage depends on the plan you are choosing. For more information on this please call: 1800-3010-3333

  87. What are the advantages of sticking to one Health Insurance company for a long time ?

    There are many benefits you will receive for continuing your policy with one company. For example, if you keep renewing your policy with us, you will receive the following benefits amongst others: 1. We provide free health checkup every year for all the members insured by us. Additionally, you can choose to enhance your sum insured as a loyalty benefit even if there is a claim at no extra cost or you can avail health services and products worth up to 10% of previous premium amount. The enhanceme

  88. Can NRI?s take health insurance? Can they travel to India for treatment and claim? What about emergency situations ?

    Yes, NRIs can also take health insurance for treatment in India. For more information on this please call: 1800-3010-3333

  89. tell me how it will usfull for senior citizen

    Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for maternity and new born child 6. Healthy relationship Loyalty Rewards is offered if the plan

  90. tell me which insurance is usfull for family

    Buying a best health insurance depends on a myriad of factors?the ages, individual or for family, whether the benefits are as per the need, the health of who is being covered and the type of policy you need, among other things. For more details visit: https://www.maxbupa.com/health-articles/general-health/best-health-insurance.aspx

  91. Is maternity covered in health insurance policies? 2)What if I don?t remember my Card Number and Policy Number and I am in an emergency situation? How can I check the status of my claim?

    1. Yes, in Max Bupa we have plans which offers some of the best coverages for maternity. For more information on this please call: 1800-3010-3333 2. In case of an emergency, you can notify after getting hospitalized. To understand the claim process, kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx

  92. What additional benefits and other stand alone policies does your health insurance company offer?

    Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for maternity and new born child 6. Healthy relationship Loyalty Rewards is offered if the plan

  93. What is the maximum number of claims allowed over a year?

    There are not limits on the number of claims, multiple claims are allowed up to the sum insured.

  94. Hi Satya I am working in software company for the last one year.Never really thought about taking health insurance before.Do I really have to buy health insurance? what are all the benefits I would get from health insurance ?Could you please explain in de

    Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for maternity and new born child 6. Healthy relationship Loyalty Rewards is offered if the plan

  95. My query is abt co-pay vs co-insurance. How are these different and which is better in which situation pls explain. What should I opt for when taking health insurance?

    Co-insurance is having multiple insurance from multiple companies. This allows you to have a higher coverage and also get some discounts on the premium as you can take some coverages as a top-up with deductible options. Co-pay means having to share the cost of medical expenses with your insurance company. This may also give you discounts sometimes, if voluntary co-pay is allowed, however it would mean that the policy holder will have to share the cost of hospitalization, if any.

  96. Can two separate health insurance policies be clubbed to cover a greater amt of expense individually exceeding single policy? Do hospitals allow this?

    Yes, it is allowed. In fact, this allows you to have a higher coverage and also get some discounts on the premium as you can take some coverages as a top-up with deductible options.

  97. What is upper age of health insurance?

    In our policies, there is not maximum or minimum age. We offer insurance at all ages.

  98. #AllFactNoMyth 1-A person died during his treatment and had opted for health insurance policyWill he get any remuneration? 2-For a joint family what is the best health insurance plan?";}"

    1. Yes, in such an event, the nominee mentioned in the policy will get the compensation from the Insurer. 2. Buying a best health insurance depends on a myriad of factors?the ages, individual or for family, whether the benefits are as per the need, the health of who is being covered and the type of policy you need, among other things. For more details visit: https://www.maxbupa.com/health-articles/general-health/best-health-insurance.aspx

  99. In case I am not covered under a group medical insurance policy or I wish have an added coverage I can buy a medical policy & reap certain tax benefits. How I search the most suitable policy ? for instance a particular insurance company may cover ambulanc

    Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for maternity and new born child 6. Healthy relationship Loyalty Rewards is offered if the plan

  100. "Does a general health insurance policy cover all critical illnesses or do we have to go for riders? Or is there a health insurance policy that ensures best coverage?

    Health insurance will cover all critical coverages, however it is always advisable to buy additional benefit products to completely insure yourself. Buying a best health insurance depends on a myriad of factors?the ages, individual or for family, whether the benefits are as per the need, the health of who is being covered and the type of policy you need, among other things. For more details visit: https://www.maxbupa.com/health-articles/general-health/best-health-insurance.aspx

  101. What all benefits does max Bupa health insurance covers and is it easy to apply for the insurance.

    Its very simple to apply for insurance. Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for maternity and new born child 6. Healthy relationshi

  102. What is cover in health insurance?

    Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for maternity and new born child 6. Healthy relationship Loyalty Rewards is offered if the plan

  103. How Health Reform Affects Insurance Costs

    In our offering we charge premium based on the age of the insured and this premium is arrived on the basis of the claims data of the Indian population. Also, considering that the medical inflation in India is very high, insurance companies may revise their premiums occasionally.

  104. I work for a large company. Will my premiums go up

    In our offering we charge premium based on the age of the insured and this premium is arrived on the basis of the claims data of the Indian population. It is not related to the organization size you are working in.

  105. I buy my own insurance and I've been shocked by big jumps in the cost of my premiums. Do I have to keep worrying about this?

    In our offering we charge premium based on the age of the insured and this premium is arrived on the basis of the claims data of the Indian population and since the age changes every year therefore the premium also increases marginally. Also, the medical inflation cost has been around 10% per annum and we has not revised our premium for Heartbeat plan since 2010, therefore in order to continue to provide you with best in class service, there has been a moderate hike in the premium.

  106. Can someone above 50 get his health insured? If yes what is the difference in the premiums and/or conditions or provisions in this case.

    Yes, however buying health insurance depends on a myriad of factors?the ages, individual or for family, whether the benefits are as per the need, the health of who is being covered and the type of policy you need, among other things. For more details visit: https://www.maxbupa.com/health-articles/general-health/best-health-insurance.aspx

  107. What really is a cashless facility?? Are premiums for such higher?

    Cashless facility means direct settlement of benefits to the hospital. The claim type doesn?t determine the premium. To understand the claim process, kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx.

  108. Educate me on the factors that affect Health Insurance premium?

    In our offering we charge premium based on the age of the insured and this premium is arrived on the basis of the claims data of the Indian population.

  109. What all does a Health Insurance policy not cover?

    The exclusions are different for different plans. To know about the exclusions in detail for every plan, kindly visit https://www.maxbupa.com/customer-care/health-services/exclusions.aspx

  110. What are the tax benefits I get if I opt for Max Bupa Health Insurance?

    You can save up to Rs.35,000/- under Health insurance policy. Tax benefits are subject to changes in the tax laws. Tax Savings for up to Rs. 25,000/- for self, spouse and dependent children, additional Rs. 25,000/- for dependant parents or Rs. 30,000/- if dependant parents are senior citizens. With new budget 2015-16 you will be able to save up to Rs. 55,000/-. For more information on this please call: 1800-3010-3333 or please consult your tax advisor for more details.

  111. Minimum and maximum age of mediclaim insurance?

    Some companion have a minimum and maximum age restriction. Max Bupa offers coverage at all ages. For more information on this please call: 1800-3010-3333

  112. Does insurance company give benefits even after daughter marriage to her father

    Yes. Your daughter can still be insured in your plan even after her marriage. For more information on this please call: 1800-3010-3333

  113. How to choose best insurance policy for the family that can cover the claim of critical diseases within less time period ?

    Buying a best health insurance depends on a myriad of factors?the ages, individual or for family, whether the benefits are as per the need, the health of who is being covered and the type of policy you need, among other things. For more details visit: https://www.maxbupa.com/health-articles/general-health/best-health-insurance.aspx

  114. "What is one feature is differ in all the policies of Max Bupa - Max Bupa - Health Companion, Max Bupa - Family First Silver, Max Bupa - Family First Gold , Max Bupa - Heart Beat Gold.

    Buying a best health insurance depends on a myriad of factors?the ages, individual or for family, whether the benefits are as per the need, the health of who is being covered and the type of policy you need, among other things. For more details visit: https://www.maxbupa.com/health-articles/general-health/best-health-insurance.aspx

  115. If My company provides me medical insurance Should I still go for a personal medical insurance as well? Thanks.

    Corporate coverage will cease when you will change your job. Also, generally the coverage offered in a corporate plan is not high. Considering the rising cost of medical expenses, it is advisable that you take a personal plan. For more information on our plans, please call: 1800-3010-3333

  116. Will the premium increase every year or remain constant? What happens to the renewal premium if I make a claim in the existing year and what happens if I do not make a claim? Always had this question in my mind !

    In our offering we charge premium based on the age of the insured and this premium is arrived on the basis of the claims data of the Indian population and since the age changes every year therefore the premium also increases marginally.

  117. How to claim insurance policy?

    Cashless facility is offered in our network hospitals. To understand the claim process, kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx.

  118. Is it possible take 2 health insurance policies simultaneously ? How will I make a claim in that scenario?

    Yes, it is allowed. In fact, this allows you to have a higher coverage and also get some discounts on the premium as you can take some coverages as a top-up with deductible options. To understand the claim process, kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx.

  119. What is a ?cashless? claim? What is a reimbursement claim? What is Pre-Authorization? How do I avail cashless facility? How to make intimation? Are there any charges by the hospital which are not reimbursable and hence have to be paid by me even after Cas

    Cashless facility means direct settlement of benefits to the hospital. Pre-authorization means intimating the insurance company to settle the claim cashless incase of hospitalization in a network hospital. To understand the claim process, kindly visit https://www.maxbupa.com/customer-care/Pages/claim-process.aspx. . There are some standard items which are not covered in insurance. To know about the exclusions in detail for every plan, kindly visit https://www.maxbupa.com/customer-care/health-ser

  120. Dear our expert Satya I want to ask all health insurance companies are same in all certain respect and offer same tax benefits u/s 80D. How do convince us to adopt Health insurance policy from Max Bupa ?

    Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for maternity and new born child 6. Healthy relationship Loyalty Rewards is offered if the pla

  121. Is there a combo health insurance plan from MaxBupa for a full family like ours with members of varied age groups 7-12 ... 8-24 ... 45-60 & 75+ :) Thanks!

    Yes. The Max Bupa Heartbeat Family First policy covers many (even up to 19) relationships without any age restriction. For more information on this please call: 1800-3010-3333

  122. I want to take additional health insurance for my parents who are aged Father @72 and Mother @ 69. They are already insured in New India for Rs 1 Lakh each.

    You can look up for the other policies offered by that company. If your requirements like top up benefit, no claim bonus etc are not being fulfilled then you may contact the other companies. For more information on this please call: 1800-3010-3333

  123. WHAT HEALTH INSURANCE IS THE BEST FOR ME AND MY FAMILY OF TOTAL FOUR ME AGE 52 WIFE 49 DAUGHTER 22 YEARS AND SON 18 YEARS. I LIVES AT LUDHIANA I WANTS TO KNOW WHICH HEALTH

    Buying a best health insurance depends on a myriad of factors?the ages, individual or for family, whether the benefits are as per the need, the health of who is being covered and the type of policy you need, among other things. For more details visit: https://www.maxbupa.com/health-articles/general-health/best-health-insurance.aspx

  124. Is LASIK eye correction covered by Max Bupa Family First plan after a certain number of insured years?

    No, LASIK is not covered in any insurance plan.

  125. There is a hidden catch in your Family First Silver plan - If we take a private room the insurance only provides claims corresponding to service costs associated with shared room why such caveat..

    In Family First plan, you can opt for a shared accommodation or any room type as long as it is within Rs. 3000 per day. Your point will only be applicable if the room cost is higher than the allowed amount of Rs. 3000.

  126. WHAT IS THE BEST POLICY FOR OUR FAMILY

    Buying a best health insurance depends on a myriad of factors?the ages, individual or for family, whether the benefits are as per the need, the health of who is being covered and the type of policy you need, among other things. For more details visit: https://www.maxbupa.com/health-articles/general-health/best-health-insurance.aspx

  127. Q1)Does Health Insurance cover everything from accident surgery normal hospitalization ? Q2)What are the advantages of sticking to one Health Insurance company for a long time ?

    Yes, coverage depends on the plan you are choosing. For more information on this please call: 1800-3010-3333. There are many benefits you will receive for continuing your policy with one company. For example, if you keep renewing your policy with us, you will receive the following benefits amongst others: 1. We provide free health checkup every year for all the members insured by us. Additionally, you can choose to enhance your sum insured as a loyalty benefit even if there is a claim at no extr

  128. Does partial disablement is also covered in health insurance?

    Partial disablement is covered in our Health Assurance - Personal Accident plan. Additional, all our plans will cover to cost of hospitalization if the cause of disablement is an accident.

  129. Satya I want To ask can I took health insuarance policy for My Mom Age 45

    Yes, however buying health insurance depends on a myriad of factors?the ages, individual or for family, whether the benefits are as per the need, the health of who is being covered and the type of policy you need, among other things. For more details visit: https://www.maxbupa.com/health-articles/general-health/best-health-insurance.aspx

  130. What are the things covered in mediclaim and plz let me know the health policy benefits and the diSease wise comparison :)

    Our health insurance plan offers many unique benefits such as: 1. Direct Claim settlement, not through third parties 2. Cashless hospitalization at more than 3500 network hospitals across the country 3. No entry age restriction and can cover every member of the family 4. Additional Coverage for Platinum Customers ? We cover treatment cost of 9 critical illnesses in any country of your choice. 5. Cover for maternity and new born child 6. Healthy relationship Loyalty Rewards is offered if the pla

  131. What would be policy date if I renew my policy in grace period? Would it be previous policy date or the day when it would be renewed?

    The day after the previous policy period expiry date.

  132. What are renewal benefits with Health@Compinion Family Floater policy? (SA-3 lakhs)

    There are many renewal benefits you will receive, amongst others: 1. We provide free health checkup every year for all the members insured by us. Additionally, there is a no claim bonus in the new Health Companion plan. 2. Also, if there is any waiting period mentioned in the policy (pre-existing, specific and personal exclusions), it will get reduced by 1 year with every continuous renewal for the mentioned Sum Insured in the policy.

  133. do you provide treatment any where in the world under health insurance

    In our Heartbeat platinum plans, we provide emergency assistance and hospitalization apart from hospitalization abroad for specified illnesses on a cashless basis. For more information on this please call: 1800-3010-3333.