Comprehensive Health Protection with Maxima

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Maxima is a complete health protection plan that offers its customers 360 degree coverage. It is India’s first 360 degree plan that is well thought and designed, looking into overall medical needs of a person. The exclusive feature of this plan is its outpatient coverage that allows people to seek coverage even for minor ailments, like cold and cough. Maxima customers can enjoy several more benefits in order to seek the complete medical protection.

Gurgaon, Haryana, India., January 30, 2013 - (PressReleasePoint) -
Everybody in this world wants to have complete protection that could offer as much benefits as possible. In an attempt to seek complete protection against various financial risks in life, people invest in various sorts of insurance plans that transfer risks from a person’s life to an insurance company. One of the important forms of coverage that a person requires in life is health or medical insurance. People today are looking for comprehensive health protection plans that could look into a variety of medical care costs. When a person is hospitalized, he or she has to come across medical expenditure that becomes burden over the family.

Looking into the problems faced by people in times of medical emergencies, health insurance companies are coming up with various products to cater to the medical needs of people. Gone are the days, when these products used to offer coverage for juts hospitalization expenses. Today, people can buy comprehensive products that could offer complete 360 degree coverage and could make medical treatment almost free for an insured. Looking into these problems, Apollo Munich, a joint venture between the Apollo Group of Hospitals and Munich Health, has brought in India’s first 360 degree product, called ‘Maxima’. Just like its name, the plan is well thought and designed to offer coverage not only for major treatment expenses, but also minor medical expenses that a person incurs in day-to-day life.

An exclusive feature of this plan is outpatient coverage that it offers to its policy holders. This coverage allows insured individuals to seek cover for minor problems, like cold, cough, wisdom tooth, etc, as one gets coverage for doctor’s consultation too. Apollo Munich gives Maxima customers the specific number of consultation coupons that can be used in seeking medical experts’ advice in specified network of hospitals. For people who want to seek consultation from a doctor of non-network hospitals can also get the coverage in form of specified cash in return of the coupons. The amount of money that a person gets in this regard is clearly stated in the policy wordings of the plan. One should thoroughly peruse these conditions to avail better coverage and to know about the plan’s working.
A policy holder also gets coupons for diagnostic tests, pharmacy costs, health check up, etc. For each of these medical expenses, the company issues specified number of coupons that could be used for specific coverage within network of hospitals or pharmacies or diagnostic labs.

Apart from it, insured individuals also get cover for inpatient treatment expenses, which include hospitalization expenses, pre and post-hospitalization expenses, day-care procedures, domiciliary treatment, etc such that an insured gets complete coverage in times of medical emergencies. Doctor’s visit, room rent, nursing fee, ICU charges, operation theatre expenses, etc are all included in this form of coverage. A person buying ‘Maxima’ gets wide coverage such that he or she need not have to worry about the medical expenses against future medical contingencies of life.

Maxima customers can also enjoy coverage for pre-existing diseases on outpatient basis without any waiting period. Likewise, there are many other unique benefits that people get on buying such comprehensive medical protection. Apollo Munich’s experts have remarkably formulated this plan to help people seek dual benefits in event of critical illness. The plan comes with an optional benefit of ‘Critical Illness Cover’ that promises an insured double protection, if he or she is diagnosed suffering from any of the covered illnesses. The eight diseases covered under this coverage are Cancer, First Heart Attack, Multiple Sclerosis, Stroke, Paralysis, Major Organ Transplantation, Renal Failure and Coronary Artery Surgery.

Maternity benefit can also be availed with this plan subject to the condition of waiting period for 4 years. It entitles an insured lump sum payment in an event of child birth, as stated in the plan’s terms and conditions. The only thing a person should keep in mind is to go through the policy wordings carefully and know about the working of the plan for better protection.