Both the Basic and Premium plans fully cover any number of things that affect your health. This includes any new minor or major diagnoses and treatment.
The Premium plan is a great option for anyone who wants access to preventative health measures (e.g. health checkups and cancer screenings), the option for virtual doctor appointments, or who may become pregnant while insured on the policy.
Generally speaking, if you plan on only staying on the policy for less than 6 months, then the Basic policy is sufficient. For anyone who intends to remain on the policy longer than 6 months, we highly recommend Premium.