Health Max: comprehensive critical illness insurance for major and early-stage conditions
Health Max is a comprehensive critical illness plan. It covers a wide range of major conditions and also the early, minor stages, and it is designed to stay with you into later life.
This page explains what Health Max is for, what to check in the policy, and how it compares with a starter plan and with Health Max Elite.
What Health Max is for
Some illnesses are caught early, and some are not. A comprehensive plan protects you at both points, with a lump sum you can use for treatment, recovery and everyday costs while you cannot work.
What it usually includes
The exact list is in the policy wording. In general, a comprehensive plan like this offers:
- A long list of major critical illnesses, including cancer, stroke and heart attack.
- Cover for minor and early-stage conditions, at a smaller benefit.
- A high level of cover, so a diagnosis does not drain your savings.
- Protection designed to continue into later life.
Who it suits
- People with dependants who rely on their income.
- Professionals and business owners whose income stops if they cannot work.
- Anyone who wants wider protection than a starter plan.
Health Max, Health Start or Health Max Elite
Health Start covers the main three conditions at a lower cost. Health Max widens the list and adds early stages. Health Max Elite goes further, with the broadest list and cover that can pay more than once as an illness progresses. An advisor can compare the three for your budget.
What to check before you apply
- How each condition is defined, and which stages are covered.
- Waiting periods, exclusions and the rules on pre-existing conditions.
- How the premium changes with age.
- What happens to the plan if you stop paying.
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 does Health Max cover?
It covers a wide list of major critical illnesses and also minor and early-stage conditions. The exact conditions and definitions are in the policy wording.
Does Health Max cover early-stage illness?
Comprehensive plans like Health Max include minor and early-stage conditions, usually at a smaller benefit. Check which ones your plan lists.
Does the cover continue into later life?
Health Max is designed to last into later life. Ask about the renewal terms and how the premium changes with age.
What is the difference between Health Max and Health Max Elite?
Health Max Elite covers the broadest list of conditions and can pay more than one claim as an illness progresses. An advisor can compare the two for you.
Do I still need an HMO?
Yes, if you want treatment costs paid. Critical illness cover pays you a lump sum, while an HMO pays for treatment.
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.