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Max Bupa Go Active Family Floater health insurance

Go Active Family Floater health insurance
GoActive Family Floater from Max Bupa is a comprehensive health insurance that offers best health insurance benefits for you and your family. It covers hospitalisation expenses with Cashless facility and you have the flexibility to choose the right option satisfying your requirements. It offers coverage for all the members of the family with exclusive benefits and rewards. Some of the key benefits are OPD Consultations, I-Protect, Health Coach...

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  • Benefits
  • Features
  • Plan highlights
  • Exclusions
Base Covers: Base Sum Insured (SI) per Policy Year
4 lacs 5 lacs 7.5 lacs 10 lacs 15 lacs 25 lacs
In-patient treatment Covered up to Sum Insured
Pre-Hospitalisation Medical Expenses (90 days) Covered up to Sum Insured
Post-Hospitalisation Medical Expenses (180 days) Covered up to Sum Insured
Day Care Treatment Covered up to Sum Insured
Living Organ Donor Transplant Covered up to Sum Insured
Alternative Treatment Covered up to Sum Insured
Room Rent (per day) Up to 1% of Base Sum Insured No restriction (except suite or above room category)(Limit included in Inpatient Care SI)
Intensive Care Unit/Critical Care Unit charges (per day) Up to 2% of Base Sum Insured Covered up to Sum Insured
Emergency Ambulance Up to Rs.3,000 per hospitalisation
Home Health Care Services and Domiciliary Hospitalisation Covered up to Sum Insured
Re-fill Benefit* Base Sum Insured
Pharmacy and Diagnostic Services Available
OPD Consultation**(For 1A, 1A+1C, 1A+2C: Consultations limits per policy, per policy year) 3 4 4 6 6 6
OPD Consultation**(For 2A and more: Consultations limits per policy, per policy year) 5 6 8 10 1 10
Health check-up*** Available
Diagnostic Tests*** Not available 1,000 1,500 2,500
Behavioral Assistance Program 3 consultations per adult per policy year
Second medical opinion**** Covered, One opinion per Insured Person per Specified Illness / Planned Surgery / Surgical Procedure
Advantage Enter at or before the age of 35 years (as on last birthday) and receive a 10% discount in the First Policy Year Base Premium and all subsequent Renewal Base Premium
Optional Covers:
Deductible 25,000 / 50,000 / 1 lac / 2 lacs / 3 lacs / 5 lacs / 10 lacs
I-Protect Additional 10% of Base Sum Insured every policy year at renewal for policy lifetime. This option can be opted only at inception. On renewal of the policy, this option can be opted out post which this option will not be available.
In such case, the accumulated Increased Sum Insured under I-Protect shall:
a. Not increase further and remain constant, if you pay the same additional percentage of premium as paid in the preceding Policy Year for this benefit; OR
b. Be reduced to zero, if you do not pay any additional premium for this benefit.
Health Coach***** Personalised health coaching
Personal Accident cover
- Accident Death
- Accident Permanent Total Disability
- Accident Permanent Partial Disability
25 lacs 25 lacs / 50 lacs

- Entry age for Adults is 18 years - 65 Years (last birthday) and from 91 days to 21 years (last birthday) for children (dependent children).
- All benefits are provided on policy year basis.
- Family combinations allowed: 1A, 2A , 2A+1C , 2A+2C , 2A+3C , 2A+4C, 1A+1C, 1A+2C. Relationship allowed is husband, wife and children. Standalone policy for child not allowed, if parent is not insured under the same policy.
- Policy term: 1 year
*Re-fill Benefit: Reinstate up to base Sum Insured. Applicable for different illness
. **OPD Consultation can be availed either through a Cashless Facility or on Reimbursement basis through a network. For Reimbursement, the maximum per consultation limit is Rs.600 for Zone 1 coverage and Rs.500 for Zone 2 coverage
***Health check-up benefit – Defined list of tests. Applicable for Adults only.
In lieu of Health check up, if diagnostics are taken, it will be both reimbursement and cashless facility basis up the specified amount. The amount of diagnostics tests shall be per adult basis, however the utilisation can be done by any of the insured persons including dependent child.Rs. ****The Second Medical Opinion under this Benefit shall be limited to defined criteria and not be valid for any medicolegal purposes. *****Health Coach: Available to Primary Insured or Primary insured with spouse. Discount in renewal base premium up to 20% shall be provided based on the health score.
Hospitalisation coverage :Coverage upto 25 Lacs.

OPD coverage :Choose the health insurance that pays for Doctor Visits.

Daily health coaching :Meet your health goals and get upto 20% discount on renewal premium.

Diagnostic test :Avail Health Check-up / Diagnostic tests of your choice.

Avail I-Protect option & Beat medical inflation :I-Proctect increases sum insured by 10% on every renewal(no maximum limit).
  • Comprehensive Protection
  • Out-patient (OPD) Consultations
  • Cashless Facility
  • Hospitalisation Expenses
  • Refill your Existing Sum Insured
  • Out-patient (OPD) Consultations
  • Day Care Treatment
  • Behavioral Assistance Program
  • Second Medical Opinion
  • Health Check-up / Diagnostic Tests
  • AdvantAGE
  • Home Health Care Services
  • Suicide or self-inflicted injury, whether the insured person is medically sane or insane.
  • Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or not), rebellion (act of armed resistance to an established government or leader), acts of terrorism.
  • Service in the armed forces, or any police organisation, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peace time.
  • Any change of profession after inception of the policy which results in the enhancement of our risk, if not accepted and endorsed by us on the policy schedule.
  • Committing an assault, a criminal offence or any breach of law with criminal intent.
  • Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.
  • Participation in aviation/marine including crew other than as a passenger in an aircraft/water craft that is authorised by the relevant regulations to carry such passengers between established airports or ports.
  • Engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow, ice sports, hunting, etc.
  • Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However, this exclusion is not applicable to claims made under the Permanent Partial Disability benefit.

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