Super Saver Family Floater

Max Bupa Super Saver
A combo designed to offer advanced health coverage of Rs1 Cr. at an affordable premium.

Enhanced NCB : Up to 200% of base sum insured
Enhanced Refill benefits : Up to 150% of base sum insured
Health Check Up : Annual, from second policy year
Cover Available : Up to Rs 1 Crore

Family Combination Applicable : Up to 2 Adults & 4 Children
Cover starts from : Rs 10.5 lakhs - Rs 1 crore
Premium starts from : Rs9,214 /Yr

No Room Rent Cap
Covered up to single private room

Direct Claim Settlement
Avail painless claim process when there are no third parties involved

Pre & Post Hospitalization
We cover expenses 30 days before hospitalization and 60 days post-discharge

Enhanced No Claim Bonus (O)
Double your sum insured by availing 20% NCB for every claim-free year.

Alternative Treatment
Treatments under Ayurveda, Unani, Siddha, and Homeopathy covered up to Sum Insured

e-Consultation
Unlimited tele/online consultations

Hospitalization
IN-PATIENT CARE (HOSPITALISATION)
Get coverage for medical treatment post hospitalization for all insured members

HOSPITAL ACCOMMODATION
Get coverage of up to 1% of base sum insured per day for single private room and up to 2% for ICU

PRE & POST HOSPITALISATION MEDICAL EXPENSES
The policy will cover pre and post-hospitalization expenses as well. The period of the treatment covered is 30 days before you get admitted to the hospital and 60 days after you get discharged from the hospital.

HEALTH CHECK-UP
Avail free health check-up for yourself and your spouse annually from the second policy year onward

DOMICILIARY HOSPITALISATION
The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor's advice

DAY-CARE TREATMENT COVERED
Your health insurance will cover a host of dental, ENT and other procedures

EMERGENCY AMBULANCE
Get coverage for the ambulance expenses following an emergency to a hospital. These expenses are paid once the in-patient claims are approved

ORGAN TRANSPLANT
Avail coverage for medical expenses incurred on the organ donor's treatment as well

Standout Features
UNLIMITED E-CONSULTATION
If the insured person is diagnosed with an illness or is planning to undergo a planned surgery or a surgical procedure, the insured person can obtain an e-consultation during the policy period.

ALTERNATIVE TREATMENTS
We cover In-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the base sum insured

TAX BENEFIT
Save taxes on the premiums paid under section 80D of the income tax act

MULTI YEAR DISCOUNT
opt for multiyear payment and avail a discount of 7.5% on 2nd year's premium and 15% on 3rd year's premium.

MODERN TREATMENTS
Modern treatments such as oral chemotherapy, robotic surgeries, intravitreal injections, deep brain stimulation, etc. will be covered either as inpatient care or as part of daycare treatment in a hospital subject to sub-limit for specific conditions as specified in the policy contract.

RENEWAL FOR LIFE
Get assured renewal of the policy for life with no extra loadings based on your claim history

Add on Features
PERSONAL ACCIDENT COVER
Personal Accident coverage against accidental death, permanent total and permanent partial disability.

CRITICAL ILLNESS COVER
Critical illness coverage against major illnesses and procedures like cancer, CABG, open heart replacement, kidney failure, stroke, major organ/bone marrow transplant, etc.

HOSPITAL CASH
The add-on pays hospital cash for up to 30 days of hospitalization if hospitalized for more than 48 hours

MODIFICATION OF ROOM RENT
If your room rent in the base plan is capped at 1% of base Sum Insured per day, you can modify it to a single private room; covered up to Sum Insured (available only for deductible more than INR 50,000 and Sum Insured up to INR 4 Lacs).

ENHANCED NO CLAIM BONUS
Get enhanced NCB of 20% of expiring base sum insured subject to maximum of 200%

ENHANCED REFILL BENEFIT
Get enhanced re-fill benefit up to 150% of base sum insured

Exclusions

PERMANENT
Investigation & Evaluation
Rest Cure, rehabilitation and respite care
Obesity/ Weight Control
Change-of-Gender treatments
Cosmetic or Plastic Surgery
Hazardous or Adventure sports
Breach of law
Excluded Providers
Refractive Error
Unproven Treatments
Birth control, Sterility and Infertility
Maternity Expenses
Circumcision
Conflict & Disaster
External Congenital Anomaly
Unrecognized Physician or Hospital

PERMANENT EXCLUSION FOR PERSONAL ACCIDENT COVER (IF OPTED)
We shall not be liable to make any payment under any benefits under the Personal Accident Cover if the claim is attributable to, or based on, or arise out of, or are directly or indirectly connected to any of the following:

Suicide or self-inflicted injury, whether the insured person is medically sane or insane.

Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war-like situations (whether war is declared or not), rebellion (the act of armed resistance to an established government or leader), acts of terrorism.

Service in the armed forces, or any police organization, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peacetime.

Any change of profession after the inception of the policy which results in the enhancement of our risk, if not accepted and endorsed by us on the policy schedule.

Committing an assault, a criminal offense, or any breach of law with criminal intent.

Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.

Participation in aviation/marine including crew other than as a passenger in an aircraft/watercraft that is authorized by the relevant regulations to carry such passengers between established airports or ports.

Engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep-sea diving using hard helmet and breathing apparatus, polo, snow, ice sports, hunting, etc.

Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However, this exclusion is not applicable to claims made under the Permanent Partial Disability benefit.

PERMANENT EXCLUSIONS FOR CRITICAL ILLNESS COVER (IF OPTED)
We shall not be liable to make any payment under Critical Illness Cover directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following unless specifically mentioned elsewhere in the Policy.

AYUSH Treatment: Any covered Critical Illnesses diagnosed and/or treated by a Medical Practitioner who practices AYUSH Treatment.

Conflict & Disaster: Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war-like situations (whether war is declared or not), rebellion (the act of armed resistance to an established government or leader), acts of terrorism.

External Congenital Anomaly: Screening, counseling, or treatment related to External Congenital Anomaly.

Cosmetic and Reconstructive Surgery: Any Critical Illnesses arising due to treatment undergone purely for cosmetic or psychological reasons to improve appearance.

EXPERIMENTAL/ INVESTIGATIONAL OR UNPROVEN TREATMENT
a. Services including device, treatment, procedure, or pharmacological regimens are considered as investigative or Unproven / Experimental Treatment.

b. Biodegradable (bio resorbable, bio absorbable) polymer drug-eluting stents will be considered as experimental and investigational for all-purpose.

Hazardous Activities: Any claim relating to Hazardous Activities

HIV, AIDS, and related complex: Any condition directly or indirectly caused by or associated with Human Immunodeficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS), including any condition that is related to HIV or AIDS.

Reproductive medicine & other Maternity Expenses: Any Critical Illness arising out of, directly/ indirectly caused by, contributed to, or aggravated by:

a. Pregnancy or Child Birth Pregnancy (including voluntary termination), miscarriage, maternity or childbirth (including through cesarean section)

b. Birth Control Any type of contraception, sterilization, abortions, voluntary termination of pregnancy or family planning;

c. Assisted Reproduction Infertility services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI, gestational surrogacy;

d. Sexual disorder and Erectile Dysfunction. Treatment of any sexual disorder including impotence (irrespective of the cause) and sex changes or gender reassignments or erectile dysfunction;

e. Any costs or expenses related to pregnancy, complications arising from pregnancy or medical termination of pregnancy unless caused by an Accident.

Sexually transmitted Infections & Diseases: Screening, prevention, and treatment for sexually related infection or disease.

Substance-related and Addictive Disorders: Treatment and complications related to disorders of intoxication, dependence, abuse, and withdrawal caused by drugs and other substances such as alcohol or nicotine.

Traffic Offences & Unlawful Activity: Any condition occurring as a result of a breach of law by the Insured Person with criminal intent.

UNRECOGNIZED PHYSICIAN OR HOSPITAL
a. Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India or by Central Council of Indian Medicine or by the Central council of Homeopathy or by relevant authorities in the area or country where the treatment is taken.

b. Treatment or Medical Advice related to one system of medicine provided by a Medical Practitioner of another system of medicine.

c. Treatment provided by anyone with the same residence as an Insured Person or who is a member of the Insured Person's immediate family or relatives.

d. Treatment provided by the Hospital or health facility that is not recognized by the relevant authorities in India or any other country where treatment takes place.

e. Treatment or services received in health hydro's, nature cure clinics or any establishment that is not a recognized Hospital or healthcare facility