With rising medical costs, the need to get a health insurance cover for a higher amount is also rising. Also, not all health insurance plans come with comprehensive coverage to address hospitalization needs under varying circumstances. For all those looking to buy a health insurance plan that will meet their requirement under most events, ‘Health Premia’ from Max Bupa, a standalone health insurance company may be worth considering.
In ‘Health Premia’ one has the option to buy a health cover of up to Rs 3 crore. The plan also addresses the daily health needs of people including in-patient hospitalization, OPD, diagnostics, personalized health coaching, 2nd medical opinion, pharmacy and diagnostic services and many more. Further, as against the industry norm of about 24-48 months of a waiting period, Health Premia has a one-year waiting period for specified diseases which is one of the lowest in the industry.
As per the company, the Health Premia is a one-of-its-kind product in the industry with features such as health checkup for adults as well as children from the very first day, worldwide maternity cover and newborn cover without any additional premium from the day baby is born till policy year-end.
This product also provides coverage for up-to 19 relationships with an individual sum insured for everyone and a floater cover which is common to all.