maxbupa

review Max Bupa Health Insurance​

Apollo Munich Health Insurance Company Ltd. is a private sector health insurance company in India. Founded on 8 August 2007, it is a joint venture between the Apollo Hospitals group and Munich Health, one of the three business segments of Munich Re; a leading reinsurance company based in Germany.Apollo Munich provides the following Health Insurance plans under Optima Restore.
  • Plan 1
  • Plan 2
  • Plan 3
  • Plan 4
  • Plan 5
  • Plan 6
  • Compare

Sum Insured Available:

  • 4.0 lacs
sum insured

Room Rent charges per day

  •  1% of sum insured
inpatient-hospitalization
pre-hospitalisation medical expenses

ICU Charges per day

  • 2% of sum insured

pre-hospitalisation medical expenses

Pre-hospitalisation medical expenses

  • Covered up to 90 days before date of hospitalisation. 

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital
pre-hospitalisation medical expenses

Day Care Treatment

  • Covered up to the limit of sum insured. 
day-care-treatment
Domiciliary Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured. 
Alternative Treatments

Alternative Treatment

  • Covered up to the limit of sum insured

Ambulance Cover

  • Up to Rs 3,000 paid per hospitalisation event. 
Ambulance Cover

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Donor Expenses
Ambulance Cover

Restoration of Sum insured (existing sum insured is exhausted due to claims)

  • Available once in a policy year for unrelated illnesses up to sum insured

Daily Allowance

OPD Consultation (A=Adult, C=Child, For 1A, 1A+1C, 1A+2C)

  • 3 consultations in a policy year. Rs 600 per consultation for Zone – I (All India coverage) & Rs 500 per consultation for Zone -II (Mumbai, Thane, Navi Mumbai, Delhi NCR, Kolkata, Gujarat State).

OPD Consultation (For 2 Adults and more)

  • 5 consultations in a policy year. Rs 600 per consultation for Zone – I & Rs 500 per consultation for Zone -II.

     

expert opinion

Health Check-up

  • Once in a policy year

Health Check-up
diagnostic tests

Diagnostic Tests ( Diagnostic tests applicable in lieu of health check-up)

  •  Not Available

Behavioral Assistance Program

Behavioral Assistance Program (You can avail consultation/counseling from a psychotherapist/counselor over a call to provide support on pre-marital counseling, nutrition, stress, child, parenting, etc

  • 3 Consultations per adult per policy year

Second Medical Opinion

  • One opinion per insured person in a policy year

secondopinion

Waiting Period for Specific disease

  • 2 years

Waiting Period for Specific Diseases

Waiting Period for pre-existing diseases

  • 3 years

Day Care Treatment

 

Sum Insured Available:

  • 5.0 lacs
sum insured

Room Rent charges per day

  •  Any category except suite and higher room category
inpatient-hospitalization
pre-hospitalisation medical expenses

ICU Charges per day

  • Covered up to sum insured

pre-hospitalisation medical expenses

Pre-hospitalisation medical expenses

  • Covered up to 90 days before date of hospitalisation. 

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital
pre-hospitalisation medical expenses

Day Care Treatment

  • Covered up to the limit of sum insured. 
day-care-treatment
Domiciliary Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured. 
Alternative Treatments

Alternative Treatment

  • Covered up to the limit of sum insured

Ambulance Cover

  • Up to Rs 3,000 paid per hospitalisation event. 
Ambulance Cover

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Donor Expenses
Ambulance Cover

Restoration of Sum insured (existing sum insured is exhausted due to claims)

  • Available once in a policy year for unrelated illnesses up to sum insured

Daily Allowance

OPD Consultation (A=Adult, C=Child, For 1A, 1A+1C, 1A+2C)

  • 4 consultations in a policy year. Rs 600 per consultation for Zone - I (All India coverage) & Rs 500 per consultation for Zone -II (Mumbai, Thane, Navi Mumbai, Delhi NCR, Kolkata, Gujarat State)..

OPD Consultation (For 2 Adults and more)

  • 6 consultations in a policy year. Rs 600 per consultation for Zone - I & Rs 500 per consultation for Zone -II..

     

expert opinion

Health Check-up

  • Once in a policy year

Health Check-up
diagnostic tests

Diagnostic Tests ( Diagnostic tests applicable in lieu of health check-up)

  • Rs 1,000 in a policy year

Behavioral Assistance Program

Behavioral Assistance Program (You can avail consultation/counseling from a psychotherapist/counselor over a call to provide support on pre-marital counseling, nutrition, stress, child, parenting, etc

  • 3 Consultations per adult per policy year

Second Medical Opinion

  • One opinion per insured person in a policy year

secondopinion

Waiting Period for Specific disease

  • 2 years

Waiting Period for Specific Diseases

Waiting Period for pre-existing diseases

  • 3 years

Day Care Treatment

 

Sum Insured Available:

  • 7.5 lacs
sum insured

Room Rent charges per day

  •  Any category except suite and higher room category
inpatient-hospitalization
pre-hospitalisation medical expenses

ICU Charges per day

  • Covered up to sum insured

pre-hospitalisation medical expenses

Pre-hospitalisation medical expenses

  • Covered up to 90 days before date of hospitalisation. 

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital
pre-hospitalisation medical expenses

Day Care Treatment

  • Covered up to the limit of sum insured. 
day-care-treatment
Domiciliary Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured. 
Alternative Treatments

Alternative Treatment

  • Covered up to the limit of sum insured

Ambulance Cover

  • Up to Rs 3,000 paid per hospitalisation event. 
Ambulance Cover

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Donor Expenses
Ambulance Cover

Restoration of Sum insured (existing sum insured is exhausted due to claims)

  • Available once in a policy year for unrelated illnesses up to sum insured

Daily Allowance

OPD Consultation (A=Adult, C=Child, For 1A, 1A+1C, 1A+2C)

  • 4 consultations in a policy year. Rs 600 per consultation for Zone - I & Rs 500 per consultation for Zone -II.

OPD Consultation (For 2 Adults and more)

  • 8 consultations in a policy year. Rs 600 per consultation for Zone – I (All India coverage) & Rs 500 per consultation for Zone -II.

     

expert opinion

Health Check-up

  • Once in a policy year

Health Check-up
diagnostic tests

Diagnostic Tests ( Diagnostic tests applicable in lieu of health check-up)

  • Rs 1,500 in a policy year

Behavioral Assistance Program

Behavioral Assistance Program (You can avail consultation/counseling from a psychotherapist/counselor over a call to provide support on pre-marital counseling, nutrition, stress, child, parenting, etc

  • 3 Consultations per adult per policy year

Second Medical Opinion

  • One opinion per insured person in a policy year

secondopinion

Waiting Period for Specific disease

  • 2 years

Waiting Period for Specific Diseases

Waiting Period for pre-existing diseases

  • 3 years

Day Care Treatment

 

Sum Insured Available:

  • 10.0 lacs
sum insured

Room Rent charges per day

  •  Any category except suite and higher room category
inpatient-hospitalization
pre-hospitalisation medical expenses

ICU Charges per day

  • Covered up to sum insured

pre-hospitalisation medical expenses

Pre-hospitalisation medical expenses

  • Covered up to 90 days before date of hospitalisation. 

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital
pre-hospitalisation medical expenses

Day Care Treatment

  • Covered up to the limit of sum insured. 
day-care-treatment
Domiciliary Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured. 
Alternative Treatments

Alternative Treatment

  • Covered up to the limit of sum insured

Ambulance Cover

  • Up to Rs 3,000 paid per hospitalisation event. 
Ambulance Cover

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Donor Expenses
Ambulance Cover

Restoration of Sum insured (existing sum insured is exhausted due to claims)

  • Available once in a policy year for unrelated illnesses up to sum insured

Daily Allowance

OPD Consultation (A=Adult, C=Child, For 1A, 1A+1C, 1A+2C)

  • 6 consultations in a policy year. Rs 600 per consultation for Zone - I & Rs 500 per consultation for Zone -II.

OPD Consultation (For 2 Adults and more)

  • 10 consultations in a policy year. Rs 600 per consultation for Zone - I (All India coverage) & Rs 500 per consultation for Zone -II.

     

expert opinion

Health Check-up

  • Once in a policy year

Health Check-up
diagnostic tests

Diagnostic Tests ( Diagnostic tests applicable in lieu of health check-up)

  • Rs 1,500 in a policy year

Behavioral Assistance Program

Behavioral Assistance Program (You can avail consultation/counseling from a psychotherapist/counselor over a call to provide support on pre-marital counseling, nutrition, stress, child, parenting, etc

  • 3 Consultations per adult per policy year

Second Medical Opinion

  • One opinion per insured person in a policy year

secondopinion

Waiting Period for Specific disease

  • 2 years

Waiting Period for Specific Diseases

Waiting Period for pre-existing diseases

  • 3 years

Day Care Treatment

 

Sum Insured Available:

  • 15.0 lacs
sum insured

Room Rent charges per day

  •  Any category except suite and higher room category
inpatient-hospitalization
pre-hospitalisation medical expenses

ICU Charges per day

  • Covered up to sum insured

pre-hospitalisation medical expenses

Pre-hospitalisation medical expenses

  • Covered up to 90 days before date of hospitalisation. 

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital
pre-hospitalisation medical expenses

Day Care Treatment

  • Covered up to the limit of sum insured. 
day-care-treatment
Domiciliary Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured. 
Alternative Treatments

Alternative Treatment

  • Covered up to the limit of sum insured

Ambulance Cover

  • Up to Rs 3,000 paid per hospitalisation event. 
Ambulance Cover

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Donor Expenses
Ambulance Cover

Restoration of Sum insured (existing sum insured is exhausted due to claims)

  • Available once in a policy year for unrelated illnesses up to sum insured

Daily Allowance

OPD Consultation (A=Adult, C=Child, For 1A, 1A+1C, 1A+2C)

  • 6 consultations in a policy year. Rs 600 per consultation for Zone - I (All India coverage) & Rs 500 per consultation for Zone -II.

OPD Consultation (For 2 Adults and more)

  • 10 consultations in a policy year. Rs 600 per consultation for Zone - I (All India coverage) & Rs 500 per consultation for Zone -II.

     

expert opinion

Health Check-up

  • Once in a policy year

Health Check-up
diagnostic tests

Diagnostic Tests ( Diagnostic tests applicable in lieu of health check-up)

  • Rs 1,500 in a policy year

Behavioral Assistance Program

Behavioral Assistance Program (You can avail consultation/counseling from a psychotherapist/counselor over a call to provide support on pre-marital counseling, nutrition, stress, child, parenting, etc

  • 3 Consultations per adult per policy year

Second Medical Opinion

  • One opinion per insured person in a policy year

secondopinion

Waiting Period for Specific disease

  • 2 years

Waiting Period for Specific Diseases

Waiting Period for pre-existing diseases

  • 3 years

Day Care Treatment

 

Sum Insured Available:

  • 25.0 lacs
sum insured

Room Rent charges per day

  •  Any category except suite and higher room category
inpatient-hospitalization
pre-hospitalisation medical expenses

ICU Charges per day

  • Covered up to sum insured

pre-hospitalisation medical expenses

Pre-hospitalisation medical expenses

  • Covered up to 90 days before date of hospitalisation. 

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital
pre-hospitalisation medical expenses

Day Care Treatment

  • Covered up to the limit of sum insured. 
day-care-treatment
Domiciliary Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured. 
Alternative Treatments

Alternative Treatment

  • Covered up to the limit of sum insured

Ambulance Cover

  • Up to Rs 3,000 paid per hospitalisation event. 
Ambulance Cover

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Donor Expenses
Ambulance Cover

Restoration of Sum insured (existing sum insured is exhausted due to claims)

  • Available once in a policy year for unrelated illnesses up to sum insured

Daily Allowance

OPD Consultation (A=Adult, C=Child, For 1A, 1A+1C, 1A+2C)

  • 6 consultations in a policy year. Rs 600 per consultation for Zone - I (All India coverage) & Rs 500 per consultation for Zone -II.

OPD Consultation (For 2 Adults and more)

  • 10 consultations in a policy year. Rs 600 per consultation for Zone - I (All India coverage) & Rs 500 per consultation for Zone -II.

     

expert opinion

Health Check-up

  • Once in a policy year

Health Check-up
diagnostic tests

Diagnostic Tests ( Diagnostic tests applicable in lieu of health check-up)

  • Rs 2,500 in a policy year

Behavioral Assistance Program

Behavioral Assistance Program (You can avail consultation/counseling from a psychotherapist/counselor over a call to provide support on pre-marital counseling, nutrition, stress, child, parenting, etc

  • 3 Consultations per adult per policy year

Second Medical Opinion

  • One opinion per insured person in a policy year

secondopinion

Waiting Period for Specific disease

  • 2 years

Waiting Period for Specific Diseases

Waiting Period for pre-existing diseases

  • 3 years

Day Care Treatment

 

Features
Plan1
Plan2
Plan3
Plan4
Plan5
Plan6
Sum Insured (lacs) 4.0 5.0 7.5 10.0 15.0 25.0
Pre-hospitalisation period 90 days 90 days 90 days 90 days 90 days 90 days
Post-hospitalisation period 180 days 180 days 180 days 180 days 180 days 180 days
Room Rent Up to 1% of Sum Insured All room category except for suite or above room category All room category except for suite or above room category All room category except for suite or above room category All room category except for suite or above room category All room category except for suite or above room category
ICU Charges Up to 2% of Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured
Day Care Treatment 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
Living Organ Donor Transplant 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
Alternative Treatment 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
Ambulance Cover Up to Rs 3,000 per hospitalisation Up to Rs 3,000 per hospitalisation Up to Rs 3,000 per hospitalisation Up to Rs 3,000 per hospitalisation Up to Rs 3,000 per hospitalisation Up to Rs 3,000 per hospitalisation
Domiciliary Treatment 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
Restoration benefit after exhaustion of sum insured (once during the policy year) 100% 100% 100% 100% 100% 100%
OPD Consultation (A=Adult, C=Child, For 1A, 1A+1C, 1A+2C). Consultation limits per policy year 3 4 4 6 6 6
OPD Consultation (A=Adult), For 2A and more). Consultation limits per policy year 5 6 8 10 10 10
Diagnostic Tests Not Available Up to Rs 1,000 Up to Rs 1,500 Up to Rs 1,500 Up to Rs 1,500 Up to Rs 2,500
Behavioral Assistance Program 3 Consultations per adult per policy year 3 Consultations per adult per policy year 3 Consultations per adult per policy year 3 Consultations per adult per policy year 3 Consultations per adult per policy year 3 Consultations per adult per policy year
Second Medical Opinion One opinion per insured person in a policy year One opinion per insured person in a policy year One opinion per insured person in a policy year One opinion per insured person in a policy year One opinion per insured person in a policy year One opinion per insured person in a policy year
Waiting Period for Specific disease 2 years 2 years 2 years 2 years 2 years 2 years
Waiting Period for pre-existing diseases 3 years 3 years 3 years 3 years 3 years 3 years

Sum Insured Available:

  • 4.0 lacs
sum insured

Room Rent charges per day

  •  1% of sum insured
inpatient-hospitalization
pre-hospitalisation medical expenses

ICU Charges per day

  • 2% of sum insured

pre-hospitalisation medical expenses

Pre-hospitalisation medical expenses

  • Covered up to 90 days before date of hospitalisation. 

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital
pre-hospitalisation medical expenses

Day Care Treatment

  • Covered up to the limit of sum insured. 
day-care-treatment
Domiciliary Treatment

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured. 
Alternative Treatments

Alternative Treatment

  • Covered up to the limit of sum insured

Ambulance Cover

  • Up to Rs 3,000 paid per hospitalisation event. 
Ambulance Cover

Donor Expenses (Hospitalisation expenses of the person providing organ)

  • Covered up to sum insured. 

Donor Expenses
Ambulance Cover

Restoration of Sum insured (existing sum insured is exhausted due to claims)

  • Available once in a policy year for unrelated illnesses up to sum insured

Daily Allowance

OPD Consultation (A=Adult, C=Child, For 1A, 1A+1C, 1A+2C)

  • 3 consultations in a policy year. Rs 600 per consultation for Zone – I (All India coverage) & Rs 500 per consultation for Zone -II (Mumbai, Thane, Navi Mumbai, Delhi NCR, Kolkata, Gujarat State).

OPD Consultation (For 2 Adults and more)

  • 8 consultations in a policy year. Rs 600 per consultation for Zone – I (All India coverage) & Rs 500 per consultation for Zone -II.

     

expert opinion

Health Check-up

  • Once in a policy year

Health Check-up
diagnostic tests

Diagnostic Tests ( Diagnostic tests applicable in lieu of health check-up)

  •  Not Available

Behavioral Assistance Program

Behavioral Assistance Program (You can avail consultation/counseling from a psychotherapist/counselor over a call to provide support on pre-marital counseling, nutrition, stress, child, parenting, etc

  • 3 Consultations per adult per policy year

Second Medical Opinion

  • One opinion per insured person in a policy year

secondopinion

Waiting Period for Specific disease

  • 2 years

Waiting Period for Specific Diseases

Waiting Period for pre-existing diseases

  • 3 years

Day Care Treatment

 

About Happoos

We love our families and want to do the best for them. The decisions we make and the actions we take have the needs and the interest of the family at its core. One of the best decisions you can take for your family is to invest in a health insurance policy.