Country of Operation
- Max BupaFor-profit
- Max India LimitedFor-profit
SummaryThe policy covers direct medical costs such as consultation fees, hospitalization, laboratory tests, medications and delivery. For an additional fee, direct non-medical costs such as the cost of transportation, food in case of hospitalization and the loss of wages for the patient and an attendant.
Swasthya Pratham was introduced by MaxBupa to address the health needs of the rural and semi urban population of India, with the mirco health insurance product created to cover direct and non-direct medical costs which patients may face.
Key program components
MaxBupa’s Swasthya Pratham plan will cover direct medical costs such as fees for consultations, laboratory tests, medicines and hospitalization and non-direct medical costs such as transportation and food in the case of hospitalization. Additional indirect costs can be covered, including loss of salaries.Additional features of Swasthya Pratham include access to MaxBupa’s network of hospitals and healthcare facilities eliminating long waiting periods for patients and cashless treatments; supplementary provisions are available for maternity and accidental death coverage.
Swasthya Pratham is available for individuals from the age of 3 months to 65 years, with a wide scope of insured options. There is no exit age for the "cashless" product. However, there is an initial waiting period for pre-existing diseases. The sum insured options range from 5,000 INR to 30,000 INR (US$111 to US$666) for individuals and 10,000 INR to 30,000 INR (US$222 to US$666) for family floater policies.