Max
bupa health insurance is
one of the best deals offered at affordable premium and attractive
insurance plans. You can easily enjoy the benefits offered with your
health insurance and file a claim easily. But like any other health
insurance plan, this insurance also has some exclusion, which will
not be covered under claim. Following are those exclusions that do
not get covered under the health insurance claim:
Pre-existing conditions: as per the standard norms and regulations, benefits will not be available for pre-existing conditions until 48 months of continuous coverage have been elapsed since the inception of the first Policy.
90 days waiting period: Any treatment taken during the first 90 days since the commencement of the health insurance policy will not be covered, unless the treatment required is a result of an accident or emergency. This waiting period does not apply for any subsequent and continuous renewals of your policy.
Specific waiting periods: For all insured persons who are above 60 years of age as on the date of commencement of the first policy period, few of the conditions will be subject to a waiting period of 24 months and will be covered in the third policy year provided insured person has been insured continuously under the Policy without any break. Those conditions include stones in the urinary system (eg. Kidney or bladder); stones in billiary system (eg. gall stones); cataract and so on related treatment.
Personal waiting periods: There are certain conditions mentioned in the Schedule. These will be subject to a waiting period of 24 months and will be covered in the third Policy Year as long as the Insured Person has been insured continuously under the Policy without any break.
Pre-existing conditions: as per the standard norms and regulations, benefits will not be available for pre-existing conditions until 48 months of continuous coverage have been elapsed since the inception of the first Policy.
90 days waiting period: Any treatment taken during the first 90 days since the commencement of the health insurance policy will not be covered, unless the treatment required is a result of an accident or emergency. This waiting period does not apply for any subsequent and continuous renewals of your policy.
Specific waiting periods: For all insured persons who are above 60 years of age as on the date of commencement of the first policy period, few of the conditions will be subject to a waiting period of 24 months and will be covered in the third policy year provided insured person has been insured continuously under the Policy without any break. Those conditions include stones in the urinary system (eg. Kidney or bladder); stones in billiary system (eg. gall stones); cataract and so on related treatment.
Personal waiting periods: There are certain conditions mentioned in the Schedule. These will be subject to a waiting period of 24 months and will be covered in the third Policy Year as long as the Insured Person has been insured continuously under the Policy without any break.
+ comments + 2 comments
Insured Person throughout the Policy period and subject always to the add Insured, any subsidiary limit specified in the product benefits Table, the terms, conditions, limitations and exclusions mentioned within the policy and eligibility as per the insurance set opted for within the Product benefits .
Thanks
William Martin
Financial Claims Made Simple
Medical insurance claim mistakes can happen for reasons beyond your control--data entry errors, diagnostic coding changes and miscommunications between providers and insurance companies. Of the millions of health claims that are processed each year, 19.3% contain some type of error, according to the American Medical Association's annual Health Insurer Report Card.
claims pages
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