Max Bupa Heartbeat Gold Key Features

Max Bupa Heartbeat Gold is a health insurance plan with a wide range of great features. The plan provides all necessary coverage features including maternity cover and allows Sum Insured levels up to Rs.50 lakhs. Premium discounts are also allowed and the plan has optional coverage features too which can be taken to enhance the scope of coverage. Below are the some key features of the plan.

  • The plan has no sub-limits on room rents.
  • The family floater variant of the plan has two options. One is the simple family floater option which covers a maximum of 6 individuals. The other is a Family First option wherein 19 relations can be covered under the plan.
  • There are no limitations on Day Care Treatments. All treatments are covered by the plan.
  • There is no restriction on the entry age.

How Does Max Bupa Heartbeat Gold Plan Works?

Step 1 – the policyholder chooses the Sum Assured, the plan variant, the term of the plan and the members covered.

Step 2 – If the covered member (s) face any medical contingency and the related expenses are covered by the plan the expenses incurred are paid by the plan.

Step 3 – if the plan matures and no medical contingencies occur, no benefit is paid.

Max Bupa Heartbeat Gold Plan with Example

Vihan, aged 30 years bought an individual Heartbeat Plan for a Sum Insured of Rs.10 lakhs and a policy term of 1 year.

Option 1 – Vihan undergoes tonsillitis treatment which is a day care procedure. Since the plan covers day care procedures, Vihan’s bill of Rs.45, 000 is paid by the plan.

Option 2 – if the plan matures and Vihan doesn’t suffer any medical emergency, no benefit is paid.

Max Bupa Heartbeat Gold Plan Benefits

  • Medical benefits – the list of medical expenses covered by the plan and their extent is as follows:
For Family Floater and Individual Plans
Coverages Sum Insured Rs.5 lakhs Sum Insured Rs.7.5 lakhs Sum Insured Rs.10 lakhs Sum Insured Rs.15 lakhs Sum Insured Rs.20 lakhs Sum Insured Rs.30 lakhs Sum Insured Rs.50 lakhs
In-patient hospitalization Covered Covered Covered Covered Covered Covered Covered
Day care treatments Covered Covered Covered Covered Covered Covered Covered
Pre-hospitalization 60 days 60 days 60 days 60 days 60 days 60 days 60 days
Post hospitalization 90 days 90 days 90 days 90 days 90 days 90 days 90 days
Domiciliary hospitalization Covered Covered Covered Covered Covered Covered Covered
Organ Donor expenses Covered Covered Covered Covered Covered Covered Covered
AYUSH Coverage Covered Covered Covered Covered Covered Covered Covered
Maternity benefit Up to Rs.40,000 Up to Rs.60,000 Up to Rs.70,000 Up to Rs.75,000 Up to Rs.80,000 Up to Rs.1 lakh Up to Rs.1 lakh
New born baby cover Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured Covered up to Sum Insured
Vaccination for newborn baby Covered for 1st year vaccinations Covered for 1st year vaccinations Covered for 1st year vaccinations Covered for 1st year vaccinations Covered for 1st year vaccinations Covered for 1st year vaccinations Covered for 1st year vaccinations
Ambulance cover Network hospital – up to Sum Insured
Non-network hospital – Up to Rs.2000
Network hospital – up to Sum Insured
Non-network hospital – Up to Rs.2000
Network hospital – up to Sum Insured
Non-network hospital – Up to Rs.2000
Network hospital – up to Sum Insured
Non-network hospital – Up to Rs.2000
Network hospital – up to Sum Insured
Non-network hospital – Up to Rs.2000
Network hospital – up to Sum Insured
Non-network hospital – Up to Rs.2000
Network hospital – up to Sum Insured
Non-network hospital – Up to Rs.2000
Hospital Cash Rs.3000/day Rs.3000/day Rs.3000/day Rs.3000/day Rs.3000/day Rs.3000/day Rs.3000/day
Health check-ups Annually. Up to Rs.1250 per insured member Annually. Up to Rs.1875 per insured member Annually. Up to Rs.2500 per insured member Annually. Up to Rs.2500 per insured member Annually. Up to Rs.2500 per insured member Annually. Up to Rs.2500 per insured member Annually. Up to Rs.2500 per insured member

For Family First Gold Plan
Coverages Sum Insured Rs.1 lakh to Rs.15 lakhs on individual basis or Rs.3 lakhs to Rs.50 lakhs on floater basis
In-patient hospitalization Covered
Day care treatments Covered
Pre-hospitalization Covered
Post hospitalization Covered
Domiciliary hospitalization Covered
Organ Donor expenses Covered
AYUSH Coverage Covered
Maternity benefit Up to Rs.50,000
New born baby cover Covered up to Sum Insured
Vaccination for newborn baby Covered for 1st year vaccinations
Ambulance cover Network hospital – up to Sum Insured
Non-network hospital – Up to Rs.2000
Hospital Cash Rs.3000/day
Health check-ups Annually. Up to Rs.2500 per insured member
  • No Claim Bonus – if the policyholder does not make a claim in any policy year he earns a cumulative bonus of 10% increase in the Sun Insured subject to a maximum of 100% for family floater and individual plans. For Family First plan, the maximum allowable increase in Sum Insured is 50%.
  • Premium discounts – premium is discounted by 12.5% if a 2-year policy term is chosen. This discount is given in the second year’s premium.
  • Optional benefits – the policyholder can choose a co-payment of 10% or 20% to get further premium discounts.

Eligibility Criteria

  Minimum Maximum
Age at entry (in completed years) Individuals of any age can be covered  
Plan tenure 1 year 2 years
Premium paying options Single pay  
Sum Assured Rs.1 lakh Rs.50 lakhs

What is not covered by the Max Bupa Heartbeat Gold Plan?

  • Illnesses suffered during the first 30 days of the plan commencement are not covered.
  • Pre-existing illnesses or conditions are not covered by the plan in the first 2 years of the policy<
  • Maternity related benefits have a waiting period of 2 years.
  • Specific illnesses are not covered in the first two years of the plan if the insured is aged 45 years or above. For individuals aged below 45 years, there is no waiting period for such specific illnesses
  • Illnesses or accidents caused due to genetic disorder or stem cell surgery, substance abuse, participation in adventure sports or hazardous activities, criminal acts, attempted suicide, war and hazardous substances, etc. are not covered.
  • Treatments like cosmetic treatments, artificial life support, weight loss treatments, non-allopathic treatments or due to HIV/AIDS, etc. are not covered.

Max Bupa Heartbeat Gold Premium Illustration

Below is the sample rates of premium payable by a non-smoking male living in Mumbai for different combinations of age, plan variants and members covered. The Sum Insured is Rs.10 lakhs and the policy is taken for 1 year.

Max Bupa Heartbeat Gold Plan Premium Illustration

FAQ (Frequently Asked Questions)

What is the coverage provided under organ donor feature in Max Bupa Heartbeat Gold plan?

The organ donor feature covers the in-patient hospitalization cost incurred in harvesting an organ from a living individual. This coverage is available up to the Sum Insured.

When is domiciliary hospitalization covered in Max Bupa Heartbeat Gold policy?

Domiciliary hospitalization is covered up to the Sum Insured if the treatment continues for at least 3 continuous days at the insured’s home.

When is hospital cash available in Max Bupa Heartbeat Gold plan?

Hospital cash is payable only if hospitalization exceeds at least 48 hours of continuous hospitalization.

When should the company be intimated in case of a cashless claim?

For a planned hospitalization, the insurance company should be informed at least 72 hours prior to hospitalization. For emergency hospitalization, the time period is within 48 hours of hospitalization.

What is the free-look period in the Max Bupa Heartbeat Gold policy?

The free-look period in the policy is for 15 days.


For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

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