Health Max Elite: the widest critical illness cover, with protection at different stages of illness
Health Max Elite is the most extensive critical illness plan in the range. It has the broadest list of covered conditions, and it can pay more than once as an illness moves through different stages.
This page explains what makes it different, who it suits, and what to check before you choose it.
What sets Health Max Elite apart
Most critical illness plans pay once. Health Max Elite is built for the fact that a serious illness can have stages, and that the costs continue at each one.
- The broadest list of covered conditions in the range, including many that smaller plans leave out.
- The ability to claim more than once, so you are protected at different stages of an illness.
- A high level of cover for the person who carries the most financial responsibility in the family.
Who it suits
- Business owners and senior professionals whose income supports a family and a team.
- People with a family history of serious illness who want the widest cover.
- Anyone who wants to move up from a smaller plan.
Health Max Elite compared with the other plans
Health Start is the starter option for the main three conditions. Health Max is the comprehensive option. Health Max Elite adds the widest list and repeat claims. The right choice depends on your budget and on how much you want to protect.
What to check before you choose it
- How many claims the plan allows and what happens to the cover after each one.
- How each condition and stage is defined.
- Waiting periods, exclusions and pre-existing conditions.
- How the premium changes with age.
Get help from Crux
Crux Consultants Ph advises on this in Cebu. Book a free 15-minute consultation online or message us on WhatsApp at +63 917 596 5486. An advisor will look at your family, your income and your existing cover, and tell you what to consider first.
Common questions
What is Health Max Elite?
It is a premium critical illness plan with the broadest list of covered conditions and cover that can pay more than once as an illness progresses.
Can I claim more than once?
Health Max Elite is designed to allow more than one claim, at different stages. Ask an advisor how many claims and under what conditions.
Who should consider Health Max Elite instead of Health Max?
People who want the widest list of conditions and repeat claims, and who carry a lot of financial responsibility. An advisor can compare the two for your budget.
Does it replace an HMO?
No. It pays a lump sum on diagnosis, while an HMO or hospitalization plan pays for treatment.
Are early-stage conditions covered?
Broad plans like this include early stages, at a smaller benefit. Check the list in the policy wording.
How do I apply in Cebu?
Book a free consultation with Crux, or message us on WhatsApp. We explain the plan, help you complete the application and send you the policy by email.
General information only. It is not a quote, and the policy wording decides what is covered.