What Is the Max Bupa Reassure Plan?
The Max Bupa Reassure Plan is a comprehensive health insurance policy offering extensive coverage for hospitalization, pre/post-hospitalization, daycare procedures, and critical illnesses. It’s designed for individuals and families seeking lifelong health protection with flexible benefits.
Key Highlights:
✔ Lifetime renewability (no age limit)
✔ Restore benefit (100% sum insured reload after exhaustion)
✔ No claim bonus (up to 100% increase in sum insured)
✔ Alternative treatments covered (Ayurveda, Homeopathy, Unani)
✔ Maternity & newborn cover (optional add-on)
Max Bupa Reassure Plan Coverage & Benefits
✅ Hospitalization Coverage
- Room rent (no sub-limit in higher variants)
- ICU charges
- Surgery & doctor’s fees
- Medicine & diagnostic tests
✅ Pre & Post-Hospitalization
- 60 days pre-hospitalization
- 90 days post-hospitalization
✅ Daycare Treatments
- Covers 500+ daycare procedures (chemotherapy, dialysis, etc.)
✅ Critical Illness Cover
- Optional rider for 20+ critical illnesses (lump-sum payout)
✅ Additional Benefits
- Annual health check-up
- Second medical opinion
- Global coverage (optional)
Plan Variants & Pricing (2024)
| Variant | Sum Insured (₹) | Avg. Annual Premium* | Best For |
|---|---|---|---|
| Reassure Silver | 3L – 10L | ₹8,000 – ₹25,000 | Young individuals |
| Reassure Gold | 10L – 25L | ₹18,000 – ₹40,000 | Families |
| Reassure Platinum | 25L – 1Cr | ₹35,000 – ₹1,00,000 | High-net-worth individuals |
*Premium varies based on age, location, and medical history.
Pros & Cons of Max Bupa Reassure Plan
✔ Pros
- No room rent capping in higher variants
- Restore benefit for multiple claims
- Cashless claims at 4,300+ hospitals
- Alternative medicine covered
- Lifetime renewability
✖ Cons
- Maternity cover is an add-on (extra cost)
- Pre-existing conditions waiting period (2-4 years)
- No direct OPD coverage (only via add-ons)
How Does the Restore Benefit Work?
If your sum insured is exhausted in a policy year, Max Bupa automatically reinstates 100% of the sum insured for further claims.
Example:
- Sum Insured: ₹10L
- Claim 1: ₹10L used (exhausted)
- Claim 2: Another ₹10L available (restored)
How to Claim Under Max Bupa Reassure Plan?
1. Cashless Claim Process
- Inform Max Bupa before hospitalization
- Submit pre-authorization form
- Hospital verifies & approves cashless treatment
2. Reimbursement Claim Process
- Pay hospital bills first
- Submit claim form + bills within 30 days
- Reimbursement in 7-14 working days
Max Bupa Reassure vs Competitors
| Feature | Max Bupa Reassure | HDFC Ergo Optima Restore | ICICI Lombard Health Advantage |
|---|---|---|---|
| Restore Benefit | ✅ Yes (100%) | ✅ Yes (100%) | ❌ No |
| Room Rent Limit | No cap (Platinum) | 1% of SI/day | 1.5% of SI/day |
| Maternity Cover | Add-on | Included (after 2Y) | Add-on |
| OPD Coverage | Add-on | ❌ No | Limited |
| Claim Settlement Ratio | 89% (2023) | 95% | 89% |
Who Should Buy Max Bupa Reassure Plan?
✔ Families needing lifelong coverage
✔ Individuals wanting restore benefit
✔ Senior citizens (no age limit for renewal)
✔ Frequent travelers (global cover available)
Frequently Asked Questions (FAQs)
1. Does Max Bupa Reassure cover pre-existing diseases?
✅ Yes, after a 2-4 year waiting period.
2. Can I port from another insurer to Max Bupa Reassure?
✅ Yes, with credit for waiting periods served.
3. Is there a co-payment clause?
❌ No co-pay (unless opted for lower premium).
4. How many claims can I make in a year?
Unlimited, as long as sum insured is available.
5. Are mental health treatments covered?
✅ Yes, as per IRDAI guidelines.