SENIOR

FIRST
A PROMISE OF LOVE

Health Protection with a promise of love

ReAssure Benefit# No mandatory pre-issuance

Never run out of Sum Insured. medical tests

Safeguard (Add-on)*
Go truly cashless with coverage even for
Day 1 Health Check-up
non-payable items like PPE Kits, gloves,
masks, and more.
No sub-limits on common health condition
Annual Aggregate Deductible
No sub-limits applicable for common health
An optional benefit that makes your
conditions like cataract, joint replacements,
health insurance free from co-pay
cancer, or more.
Presenting ‘Senior First’ Health Insurance Plan
A promise of love
Introducing Senior First, a tailor made health plan designed to provide unconditional support and
care for our seniors in their golden years. With coverage options up to 25 lacs, no sub limits on
common health conditions, heath check-ups from day 1, hassle free claims process and more, we
assure healthcare and financial needs of seniors are taken care of with nothing but love.

Health Protection with a promise of love

Senior First Health Plan has been packaged with features that give our seniors the assurance of
good health at all times. So whether it’s multiple treatments in the same year for the same illness
or coverage for consumables, health coverage for our seniors is constant and unconditional.

Complete peace of mind with Health Check-ups from Day 1 & Coverage for
Day care treatments like Angiography, Dialysis, Radiotherapy, Chemotherapy
and more.

ReAssure# Benefit –
A promise of love with unlimited base sum insured for long term treatments
and multiple illness to ensure our seniors always have enough funds for any
treatment.

No sub-limits on common health conditions –

A promise to be there to our seniors by providing health coverage without any
sub-limits on common health conditions like cataract, joint replacements, cancer
or more
Affordable and rewarding health protection for seniors.
Reduce Co-payment –
An optional benefit to reduce co payment from 50% to 20%/30%/40%

Swap co-payment for deductibles –

Choose your annual deductibles option as per your requirements and enjoy a co-payment
free health cover.

Enhance Sum Insured up to 100% with No Claim Bonus –

Get rewarded for staying healthy with the no claim bonus feature. Add 10% to your base
sum insured every claim free year. Max up to 100% of base Sum Insured.

Safeguard – Most opted Add-on*. For a truly Cashless Experience.

i. Coverage for non payable items like PPE kits, gloves, masks and more.
ii. Inflation protection coverage^ – Increase in base sum insured on a cumulative basis
each policy year based on Inflation Rate.
iii. No Impact on No Claim Bonus – There will be no impact on your no claim bonus, if
claims in a policy year are up to INR 50,000.

Available Discounts –
• Tenure discount - Get discount of 7.5% on the premium of second policy year if you pay
for a 2-year policy term in advance, and additional 15% discount on third year’s premium
if you choose a 3-year policy term.
• Standing Instruction discount - Get 2.5% discount on renewal premium if standing
instruction for auto debit on renewal is provided and the policy is renewed using the
same.
• Tax Savings - Income tax benefit up to INR 21,372 under the Section 80D of the Income
Tax Act, 1961%. Claim additional tax-saving benefit under 80D, if you pay premium on
your parent’s behalf.

Discount illustration to maximize savings

Individual policy (2 members)

At Inception
Premium for 1 year 100 each member
Family Discount of 10% 20
Discount for opting 3 year term (7.5% on 2nd year and 15% on 3rd year) 40.5
Final Premium for 3 years 499.5
Premium for 3 years without any discount 600
Total saving 16.8%

At Renewal
Additional Auto-debit discount of 2.5% 12.5
Final Premium for 3 years 487.0
Premium for 3 years without any discount 600
Total saving 18.8%
Complete peace of mind with hassle free
claim management process
CASHLESS HASSLE FREE
CLAIMS PROCESSING REIMBURSEMENT PROCESS

Avail 30 minutes$ cashless claims Non network hospitalisation

processing at 7000+ Network$ In case you wish to get treatment
Hospitals across India. done at non-network hospital, please
notify Max Bupa Health Insurnace
within 48 hours of admission.

STEP 1 STEP 1
Document Submission Document Collection
At the time of hospitalization, Collect all relevant documents,
produce your Max Bupa Health invoices, medical reports, discharge
Card@, or share your policy number certificate from Hospital in originals
along with identification documents and receipt of the payment made at
like Passport/PAN card/ Voter’s card. the time of discharge.

For any further assistance in an

unknown environment, you can reach
out to Max Bupa Point of care desks
at select network hospitals.
STEP 2
Insta Reimbursements
To avail Insta reimbursement, upload
the requisite documents on Max Bupa
STEP 2 website or Max Bupa Health app.

Document Verification You can alternatively send the physical

Network hospital checks and submits documents to us at Max Bupa Health
preauthorization form to Max Bupa Insurance Company Limited, 2nd Floor,
Health Insurance. Plot No D-5, Sec-59, Noida, Gautam
Budhnagar, Uttar Pradesh – 201301.

STEP 3
STEP 3
Claims Processing and Settlement
Documents submitted by the network
Claim Settlement
We review and make payment to you
hospital are verified by our in-house
as per Policy terms and conditions
team of doctors to ensure hassle free
and speedy payouts.

Assistance. Anytime. Anywhere.

Max Bupa Health App CIA Chatbot
From locating a network hospital to keeping track Talk to our interactive
of your health policy details or staying on top of chatbot CIA on
your health with regular health tips and more, it’s all www.maxbupa.com for
possible in just a few taps on your phone. Available anytime assistance!
on both iOS and Android.
Comprehensive health protection with a promise to give
our seniors a secure second innings.
Product Benefit Table (all limits in INR unless defined as percentage)
Variant Gold Platinum
Base Sum Insured 5 Lacs / 10 Lacs 5 Lacs / 10 Lacs / 15 Lacs / 20 Lacs / 25Lacs
Benefits
In-patient Care Covered up to Sum Insured
Room Category(1) Shared Room Single Private Room
Pre-Hospitalization (60 days) Covered up to Sum Insured
Post-Hospitalization (180 days) Covered up to Sum Insured
Day Care Treatment Covered up to Sum Insured
Covered up to Sum Insured with sub-limit of INR 1 Lac per claim on few
Modern treatments
robotic surgeries
Road ambulance: up to INR 2,000 per hospitalization
Ambulance
Air ambulance: up to INR 2,50,000 per hospitalization
AYUSH Treatments Covered up to Sum Insured
Treatment at home (Domiciliary
Covered up to Sum Insured
Hospitalization)
Organ Donor Covered up to Sum Insured
In case of claim free year, increase of 10%
of expiring Base Sum Insured in a Policy
No Claim Bonus Not applicable Year; maximum up to 100% of Base Sum
Insured (In case of claim, no reduction in
No Claim Bonus)
Unlimited up to base Sum Insured
ReAssure# Not applicable (Applicable for both same & different
illness)
Annual (From Day 1); For defined list of
tests; up to INR 500 for every INR 1 Lac
Base Sum Insured (Individual policy:
Health Check-up Not applicable
maximum INR 5,000 per Insured;
Family Floater policy: maximum INR
10,000 per policy)
Co-payment(1) 50%
Optional Benefits
Annual Aggregate Deductible(2) 1 Lacs / 2 Lacs / 3 Lacs / 4 Lacs / 5 Lacs
Modification in co-payment 40% / 30% / 20%
• Entry age: 61 to 75 years.
• Family Combination: 1 Adult or 2 Adults (Self & Spouse). 2 Adults policy can be taken on individual basis
or floater basis sum insured.
1)
10% additional co-payment applicable, if treatment is taken in higher room category than eligible room category.
2)
Deductible will be 1/5th of the base sum insured chosen. If deductible is opted, then co-payment will NOT apply
except as specified in point (1) for treatment taken in higher than eligible category of room.
Standard exclusions and waiting period
Standard Exclusions – Investigation & Evaluation | OPD Treatment | Unproven Treatments,
Unrecognized Physician or Hospital, Hazardous or Adventure sports, Dental/oral treatment, Sleep
disorders, Treatment for alcoholism, drug or substance abuse, or any addictive condition and
consequences thereof. Refer to the policy document for complete list of exclusions under Senior
First Plan.

Applicable waiting periods – 30-day initial waiting period | 24 months waiting period on pre-
existing diseases | 24 months waiting period on specific diseases | 15 days free look period (30 days
if the policy with Policy Period as 3 years has been sold through distance marketing).

Easy to reach
If you would like to find out more, please reach out to our specialised sales team or your Max Bupa
health advisor.

Say ‘Hi’ to us on WhatsApp: Helpline: Email ID:

9811956696 1860-500-8888 [email protected]

Website: www.facebook.com/ www.twitter.com/

www.maxbupa.com maxbupahealthinsurance maxbupa

MAX BUPA HEALTH INSURANCE COMPANY LIMITED

Registered Office Address: C-98 Lajpat Nagar 1, New Delhi-110024

Disclaimer: This is only a summary of the product features and is for reference purpose only. The details of benefits available shall be as described in the
prospectus, and will be subject to the policy terms, conditions, risk factors and exclusions. Insurance is a subject matter of solicitation. Max Bupa Health
Insurance Company Limited (IRDAI Registration Number 145), ‘Max’, ‘Max Logo’, ‘Bupa’ and ‘HEARTBEAT’ logo are registered trademarks of their respective
owners and are being used by Max Bupa Health Insurance Company Limited under license. CIN:U66000DL2008PLC182918, Product Name: Senior First.
Product UIN: MAXHLIP21575V012021 | Add-on Name: Safeguard, Add-on UIN: MAXHLIA21576V012021 UIN: MB/BR/CA/2021-22/115. %Tax benefits are subject
to changes in tax laws. Savings amount computed for an individual who is in highest slab of income tax and for senior citizens. Maximum deduction under
section 80D is INR 50,000. The highest tax slab for an individual is (base rate 30%+ 37% SC = 41.1 % + 4% cess = 42.744%) INR 50,000 x 42.744% = INR 21,372.
Tax saving can vary basis individual’s income and policy coverage. Please consult your tax advisor for more details. $Max Bupa processes pre-authorisation
requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Max Bupa’s satisfaction. The above commitment
does not include pre-authorisation settlement at the time of discharge or system outage. The services can be availed at network hospitals only. Number of
network hospitals shown is an approximate figure and is subject to change without prior notice, please visit our website to access latest and updated list
of network hospitals and list of point of care desks at network hospitals. #Single claim under this benefit will be payable up to base sum insured. ^Infation
rate would be computed as the average consumer price index(CPI) of the entire calendar year published by the central statistics office. @Health card can be
downloaded from Max Bupa Health App or log in at www.maxbupa.com). *This is an optional cover which will be available post payment of additional premium.

Statutory Warning:

Prohibition of Rebates (Under Section 41 of the Insurance Act 1938)

1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect
of any kind of risk relating to lives or property in India, any rebate of the whole or part of the c ommission payable or any rebate of the premium shown on
the Policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the
published prospectuses or tables of the insurer. 2. Any person making default in complying with the provisions of this section shall be liable f or a penalty which
may extend to ten lakh rupees.