It is said that “Conviction begins with Self.”
I rarely endorse any product , however, as per my conviction this is one investment for young couples to have a worry free lifestyle. If you are a Young Couple and Just married, the search for most appropriate and value for money plan ends here. A unique offering from Max Bupa Health Insurance Company “ Platinum Heart beat Policy”
Let us assume a Young couple of age 30 and 28 opts for Rs.50lakhs floater cover, the yearly premium is Rs. 65172.
They will get the following benefits:
- High Sum Assured of Rs. 50 Lacs: A high Sum assured of Rs. 50 lacs which is a TOP OF THE LINE product in the industry, what else one could ask for in times of uncertainities.
- Maternity covered for upto 2 kids: They can claim for Maternity for upto 2 kids for Rs. 1 lacs each. There is a waiting period of 2 years for 2 Deliveries,. Also, the child is automatically covered from the time of birth in the policy. Hence, it is highly recommended to take plan immediately after marriage to take benefit of both the deliveries.
- Vaccinations for child covered upto 12 years: All vaccinations and diet and nutrition counselling charges are covered for 2 children irrespective upto 12 years of age.
- OPD charges are covered: Out-patient benefits covering specialist consultation and cost of diagnostics test prescribed by them upto Rs. 20000 each year. So, whenever they will go to a doctor , they will retain the bill for reimbursement.
- Loyalty Bonus : A Loyalty Bonus of 10% Premiums paid irrespective of claims every year can be redeemed in the form of vouchers of daily use outlets.Here, it will be benefits worth Rs. 6000 every year.
- A personalized Relationship Manager: A relationship manager can be assigned who will personally help at the time of hospitalization and attend to the claims settlement along with second e –opinion option worldwide plus a 24*7 health line for any kind of health queries.
- Pre and post hospitalization expenses : All expenses Prior and post to hospitalisation including doctor’s consultation diagnostic tests, medicines, drugs and consumable are covered upto Sum assured i.e Rs. 50 lacs.
- Hassle free Claims: Max Bupa assures that you have a hassle free and smooth claims experience. There is no third party administrator (TPA) involved in claims but a team of qualified doctors.
- Lifelong Renewability: Guarantee of Lifelong renewability of the policy irrespective of any critical illnesses diagnosed.
- Free Health Check ups: Company will offer you comprehensive free heath checkups at the time of renewal irrespective number of claims in the year , which will help you to live healthier and most successful life.
The information shared here is to the best of Author’s knowledge.
Gurleen Kaur is a Financial Consultant and devotes her time to her company www.hareepatti.com. She has done her Bachelors in Finance and Investment Analysis(BFIA) from College of Business Studies(CBS, Delhi) and MBA from IMT, Ghaziabad. She will be a Certified Financial Planner by June 2014. She can be Contacted at [email protected]