Maxima Health from Apollo Munich, a 360 degree health insurance plan

Oct. 10, 2011 - PRLog -- A complete list of scheduled benefits, premium rates as per age and number of insurance seekers opting for it is available on company’s website.

Apollo Munich is a joint venture between Apollo Hospitals, Asia’s largest chain of hospitals and Munich-Re, a world leader in insurance. Together both companies have taken this venture with an aim to serve the healthcare related expenses of the masses. Both companies are having very strong hold in their field of operations. Therefore, Apollo Munich’s introductory line says- “We know healthcare. We know insurance.” The company has emerged out as a leading player in Indian Health Insurance sector. It is a pure health insurance provider. The company’s products are designed after lot of innovation and surveys. The product researchers at the company have included some very special benefits in the insurance cover for its different health insurance plans. Be it a child, a single individual, a family person, or a group of people, Apollo Munich’s plans are suitable for people from all ages and for all segments of society.  The company’s motto is to offer health insurance in the simplest ways, in most simple words and processes. It is constantly trying to uncomplicate the health insurance in India.

A unique plan from the company is Maxima Health. This plan is often regarded as a 360 degree plan because it covers every kind of major or minor illness. Generally there are many medical insurance plans which offer cover only for major health problems or critical illnesses. The minor health problems which can be overcome in few days after a simple medical treatment are not covered in most of the policies.  But in Maxima Health, even the minutest of health related problems are covered. Its promotion line says that be it sore throat or itchy eyes, runny nose or broken finger, this insurance plan covers everything. This plan not only covers the major illnesses but it also covers small health problems for which you may need to visit a doctor or a hospital regularly but do not need to get admitted to a hospital.

There are some distinctive features of this plan which are discussed as under:

Doctor Consultations: As per the plan one has opted, he/she can avail 4 to 8 consultations with his/her doctor.

Pharmacy bills are also covered under the plan. The expense of diagnostics for the policy holder and his/her family members who are covered under this plan.

The medicines and doctor’s consultation for the pre-existing illnesses are covered under OPD benefits of Maxima Health. Without having any worry about the sublimits, one can also enjoy the vouchers available for OPD as per one’s requirements.

Some special services like expenses for contact lenses, specs and dental treatments are there in the plan. There are hoards of benefits beyond the inpatient hospitalization feature under the plan. It has wide inpatient and outpatient hospitalization feature.

Cashless hospitalization and life-long renewal along with additional cover for critical illnesses makes this plan truly comprehensive.
There is a cover of Rs. 3, 00,000 for inpatient treatment, pre and post hospitalization, daycare procedure, domiciliary treatment and even for daily cash for shared accommodation. The plan also pays for the expenses arising out of organ donor, maternity and new born expenses, emergency ambulance and daily cash for an insured accompanying child.

The outpatient cover includes health checkups, doctors’ consultations, cost of specs, contact lenses, dental treatments, etc. On the basis of cashless or reimbursement, one can avail these benefits anywhere in Indian Territory.

Critical illnesses are generally not covered under a health insurance plan, sometimes they are provided as optional benefits. But in case of Maxima Health, critical illness cover is provided for 8 specified diseases which can prove life threatening.

Beyond the myriad benefits mentioned above for the policy, there is a tax benefit as well. Under section 80 D of the Income Tax Act, one can also enjoy tax exemption if one invests in the policy.

No other policy offered by any other company can be as comprehensive as Maxima Health. It offer the maximum and the widest of benefits covered under any health insurance plan. Since, it even covers basic health problems and critical illnesses, inpatient and outpatient treatments, maternity benefits and health checkups, one can develop complete trust of the plan.

There can be many features which are offered under one plan but not the other. Maxima Health serves are an all inclusive plan to serve the maximum of medical expenses; be it nominal or surplus in nature. One can say that every major feature of every plan offered by Apollo Munich is collectively present in this policy.

No matter what kind of health related problem one has, Maxima Health can pay for its treatment expenses. When all the benefits are covered under a single plan, there can’t be anything better to be offered. A complete list of scheduled benefits, premium rates as per age of the insurance seekers and number of members opting for it is available on company’s website.


For more Information about health Insurance visit:- http://www.apollomunichinsurance.com