Apollo Munich, a pure health insurance company in India, is a joint venture between the Apollo Group of Hospitals and Munich Health. Both these partners are quite popular for expertise in their fields of healthcare and insurance, respectively. Thus, Apollo Munich says, “We Know Healthcare. We know Insurance”.
The company has adopted a distinctive ideology of identifying the healthcare needs of the people and designing products accordingly. Looking into the need of extensive health insurance plans, Apollo Munich brought Maxima, India’s first 360 degree plan. It is the most comprehensive medical insurance plan in India that comes with a long list of benefits and facilities for its customers. An individual can buy this plan on an individual basis or on a family basis. A family, here, includes a maximum of 2 adults and up to 2 children.
Maxima is believed to be one of the best health insurance plans in India, offering wide inpatient coverage of Rs.3, 00,000. This amount includes pre- and post-hospitalization, day-care procedures, domiciliary treatment, maternity benefits (with a waiting period of 4 years), new born baby coverage, daily cash for choosing shared accommodation, etc. It is the first plan in India to offer health cover for both inpatient and outpatient medical expenses on a cashless basis.
OPD coverage is the most important benefit of this plan. For this outpatient coverage, Maxima offers its customers consultation coupons for free consultation with General Practitioners, Physicians, Gynecologists or Pediatricians. There are 4 consultation coupons offered to an individual, 6 consultation coupons if 2 adults are covered, and 8 consultation coupons if 2 adults and up to 2 children are covered .
This coverage extends to diagnostic tests, pharmacy cost, outpatient dental treatment and spectacles (contact lenses) within the specified network, up to a certain limit. Besides this, there is coverage for annual health check-ups within the specified network with Maxima. Maxima policy holders get 1 entitlement certificate for individual coverage, and 2 entitlement certificates in case of family coverage.
Besides this, the coverage limit of the plan also includes:-
Cover for any existing disease that requires outpatient care, without any waiting period.
Inpatient coverage for Pre-existing treatment can be availed after a waiting period of 3 years.
Optional Critical Illness Cover that provides additional coverage against 8 specified critical illnesses and is always paid as a lump sum benefit in addition to any medical expenses an insured may incur for hospitalization for the critical illness. The diseases included under this coverage are Cancer, First Heart Attack, Sclerosis, Major Organ Transplantation, Coronary Artery Surgery, Paralysis, Stroke and Renal Failure.
Thus, this plan offers complete health insurance cover to its customers, who can also enjoy tax benefits in lieu of the premium paid towards this plan.
One of the important aspects of this plan is that it comes with a lifelong renewal feature that helps an insured to renew the same policy and enjoy the coverage for the extended time period. So, buy Maxima for maximum and comprehensive coverage.