OUR BEST PLANS
Aum Sai Consultant which is a channel partner of Max Bupa Life Insurance provides you with all the necessary plan with wide range of different coverage for you and your family. Choose from the minimum hospital cash benefits that you are looking for. You got to determine the surgery benefit and critical illness benefit in an affordable health insurance policy.
When it comes to planning for medical emergencies you tend to worry mainly about the exorbitant hospital bills. Health care comes with a price tag now-a-days and arranging for funds during crisis often requires running from pillar to post, making a dent into your savings or worse. Aum Sai Consultant helps you to plan for your health emergencies so that you can maintain your calm during a medical emergency situation.
Gold
FEATURES
Prepare for future medical expenses with comprehensive cover options of Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 30 lakhs and Rs. 50 lakhs.
WHY CHOOSE THIS PLAN?
Why insuring yourself with Aum Sai Consultants is easy and comprehensive.
Health Guard Senior Citizen Policy
- Default policy term for all plans is one year. You can choose a 2 year term as well.
- We will not cover treatment during the first 30 days of the policy, unless the treatment needed is a result of an Accident. This waiting period does not apply for renewal Policy.
- Benefits will not be available for Pre-existing Diseases until 24 months (for platinum and gold plans) and 48 months (for silver plans) of continuous coverage from first policy start date, provided such Pre-existing Disease is stated in the Proposal, specifically accepted by us and endorsed thereon.
- For all Insured Persons who are above 45 years of Age as on the date of inception of the First Policy, some conditions will be subject to a waiting period of 24 months and will be covered in the third policy year only.
- Please do read more about the common exclusions in the policy
PERMANENT EXCLUSIONS
- Ancillary Hospital Charges
- Hazardous Activities
- Artificial life maintenance
- Autoimmune Disorders
- Behavioral, Neurodevelopmental and Neurodegenerative Disorders
- Circumcision
- Complementary & Alternative Medicine
- Conflict & Disaster
- Congenital Anomaly, Hereditary or Genetic Disorders
- Convalescence & Rehabilitation
- Cosmetic and Reconstructive Surgery
- Dental/oral treatment
- Eyesight & Optical Services
- Experimental/Investigational or Unproven Treatment
- HIV, AIDS, and related complex
- Hospitalization not justified
- Inconsistent, Irrelevant or Incidental Diagnostic procedures
- Mental and Psychiatric Conditions
- Non-Medical Expenses
- Obesity and Weight Control Programs
- Off- label drug or treatment
- Puberty and Menopause related Disorders
- Reproductive medicine & other Maternity Expenses: Any assessment or treatment method
- Robotic Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) & Light based Treatment
- Sexually transmitted Infections & diseases
- Sleep disorders
- Substance related and Addictive Disorders
- Traffic Offences & Unlawful Activity
- Treatment received outside India
- Unrecognized Physician or Hospital
- Any costs or expenses specified in the list of expenses generally excluded at Annexure IV of policy wording
- The policy covers hospitalization expenses for you.
- You will have access to cashless facility at over 4000 empanelled hospitals.
- 130 daycare procedures are covered subject to terms and conditions.
CLAIM PROCESS
-
- Step 1 – Select a hospital of your choice from the list of our network hospitals. (We advise you to select a hospital at least 72 hours before treatment.
- Step 2 – For identification purposes, please carry one of the following documents along with your Max Bupa Health Card or Policy Number:
» Passport » Voters’ Card » PAN Card » Driver’s License - Step 3 – The network hospital will check your identity for validation and submit a pre-authorization form to us.
- Step 4 – We provide our decision to the hospital within 30 minutes, when no further documentation is required.
- Step 5 – You can get admitted to the hospital and can sign the required documents, forms and invoices when you get discharged. To simplify the hospitalization procedure for you, we even assign a relationship manager who is there to help you.
- Step 6 – We make payments to the hospital for pre-approved treatment as per policy terms and conditions.
CLAIM PROCESS – INTERNATIONAL TREATMENT
- Select your preferred hospital and call Max Bupa’s International treatment number (mentioned in your policy kit)
- For identification and admissibility purposes, please provide the following documents:
» Policy number / Customer I.D » Name of customer » Age / Photo I.D proof » Contact – Phone / Mail id » Diagnosis with supportive investigation reports » All previous medical records » Treatment / Surgery advised by treating doctor » Preferred Date options for undergoing treatment » Preferred Provider for undertaking treatment » Preferred Country for undertaking treatment - Our International claims team will provide you a reference number.
- Once your documents are processed and approved, our specialized International claims team will guide you with an international cashless authorization. They shall also monitor your health while you get treated in the best of international medical facilities.
WHY CHOOSE THIS PLAN?
Why insuring yourself with Aum Sai Consultants is easy and comprehensive.
Platinum
FEATURES
Prepare for future medical expenses with comprehensive cover options of Rs. 15 lakhs, Rs. 20 lakhs, Rs. 50 lakhs and Rs 1 cr.
WHY CHOOSE THIS PLAN?
Why insuring yourself with Aum Sai Consultants is easy and comprehensive.
Health Guard Senior Citizen Policy
- Default policy term for all plans is one year. You can choose a 2 year term as well.
- We will not cover treatment during the first 30 days of the policy, unless the treatment needed is a result of an Accident. This waiting period does not apply for renewal Policy.
- Benefits will not be available for Pre-existing Diseases until 24 months (for platinum and gold plans) and 48 months (for silver plans) of continuous coverage from first policy start date, provided such Pre-existing Disease is stated in the Proposal, specifically accepted by us and endorsed thereon.
- For all Insured Persons who are above 45 years of Age as on the date of inception of the First Policy, some conditions will be subject to a waiting period of 24 months and will be covered in the third policy year only.
- Please do read more about the common exclusions in the policy
PERMANENT EXCLUSIONS
- Ancillary Hospital Charges
- Hazardous Activities
- Artificial life maintenance
- Autoimmune Disorders
- Behavioral, Neurodevelopmental and Neurodegenerative Disorders
- Circumcision
- Complementary & Alternative Medicine
- Conflict & Disaster
- Congenital Anomaly, Hereditary or Genetic Disorders
- Convalescence & Rehabilitation
- Cosmetic and Reconstructive Surgery
- Dental/oral treatment
- Eyesight & Optical Services
- Experimental/Investigational or Unproven Treatment
- HIV, AIDS, and related complex
- Hospitalization not justified
- Inconsistent, Irrelevant or Incidental Diagnostic procedures
- Mental and Psychiatric Conditions
- Non-Medical Expenses
- Obesity and Weight Control Programs
- Off- label drug or treatment
- Puberty and Menopause related Disorders
- Reproductive medicine & other Maternity Expenses: Any assessment or treatment method
- Robotic Assisted Surgery, Light Amplification by Stimulated Emission of Radiation (LASER) & Light based Treatment
- Sexually transmitted Infections & diseases
- Sleep disorders
- Substance related and Addictive Disorders
- Traffic Offences & Unlawful Activity
- Treatment received outside India
- Unrecognized Physician or Hospital
- Any costs or expenses specified in the list of expenses generally excluded at Annexure IV of policy wording
- The policy covers hospitalization expenses for you.
- You will have access to cashless facility at over 4000 empanelled hospitals.
- 130 daycare procedures are covered subject to terms and conditions.
CLAIM PROCESS
-
- Step 1 – Select a hospital of your choice from the list of our network hospitals. (We advise you to select a hospital at least 72 hours before treatment.
- Step 2 – For identification purposes, please carry one of the following documents along with your Max Bupa Health Card or Policy Number:
» Passport » Voters’ Card » PAN Card » Driver’s License - Step 3 – The network hospital will check your identity for validation and submit a pre-authorization form to us.
- Step 4 – We provide our decision to the hospital within 30 minutes, when no further documentation is required.
- Step 5 – You can get admitted to the hospital and can sign the required documents, forms and invoices when you get discharged. To simplify the hospitalization procedure for you, we even assign a relationship manager who is there to help you.
- Step 6 – We make payments to the hospital for pre-approved treatment as per policy terms and conditions.
CLAIM PROCESS – INTERNATIONAL TREATMENT
- Select your preferred hospital and call Max Bupa’s International treatment number (mentioned in your policy kit)
- For identification and admissibility purposes, please provide the following documents:
» Policy number / Customer I.D » Name of customer » Age / Photo I.D proof » Contact – Phone / Mail id » Diagnosis with supportive investigation reports » All previous medical records » Treatment / Surgery advised by treating doctor » Preferred Date options for undergoing treatment » Preferred Provider for undertaking treatment » Preferred Country for undertaking treatment - Our International claims team will provide you a reference number.
- Once your documents are processed and approved, our specialized International claims team will guide you with an international cashless authorization. They shall also monitor your health while you get treated in the best of international medical facilities.
WHY CHOOSE THIS PLAN?
Why insuring yourself with Aum Sai Consultants is easy and comprehensive.
MAX BUPA
Our Channel Partner