Question 1

What does this plan consist of?

Accepted Answer

This is a unique subscription plan which covers Out-Patient (OPD) and In-Patient (IPD) hospitalization expenses.   **IPD expenses are covered through Group Insurance Plan offered to subscribers of Practo Plus Infinity by our Insurance partner - Aditya Birla Health Insurance Company.

Question 2

How many consultations are covered under this plan?

Accepted Answer

A predefined number of online and in clinic appointments will be made available automatically on plan purchase. Utilization beyond these limits will be extended on a need basis, subject to genuineness checks and Practo's fair usage policy.

Question 3

How is this different from Insurance plans available in the market?

Accepted Answer

Traditional insurance plans don’t cover OPD expenses and policyholders have to pay for these expenses out of their pockets; However, with this Plan you are covered for both OPD and IPD expenses.

Question 4

What exactly is covered by this membership plan?

Accepted Answer

Our healthcare membership plan is very comprehensive. It covers all your healthcare needs across OPD and IPD. Mentioned below are the coverages offered:  1. Unlimited Practo Instant Tele/Video Consultations 2. Unlimited In-Clinic Consultations/ Physical Consultations via Practo network 3. Up to two free Annual Health Check Ups via Practo app- 1 per adult member 4. 30% off on prescription medicines via Practo app 5. 30% off on diagnostic tests via Practo app 6. Insurance cover up to 40 lacs (Rs.20L cover + 100% restoration benefits) 7. Medicines and Diagnostics are free during hospitalization

Question 5

Do you provide Cashless Facilities?

Accepted Answer

Yes, you can get cashless facility for both OPD and IPD (Insurance) benefits applicable under this plan. Cashless benefit for OPD can be availed within Practo network. We have a network of 7000+ doctors where you can avail cashless appointments, and another 8000+ doctors for where appointment fees can be reimbursed.

Question 6

What is the reimbursement process?

Accepted Answer

OPD reimbursement process (for consultations within the Practo network of doctors) is in the Plus section inside Practo App. Upload the bill, along with doctor details and the bank account details. The reimbursement is processed within a week.

Question 7

Which hospitals are part of the Network for IPD cover?

Accepted Answer

9000+ hospitals are part of the cashless network of our Insurance partner. List of Network Hospitals of ABHI

Question 8

What happens if you undergo treatment and consultation in a non network clinic or hospital?

Accepted Answer

All OPD appointments booked on Practo are free. For hospitalization, all hospitals are covered. However, cashless hospitalization is covered only in network hospitals.

Question 9

Is there an option to cover family under this plan?

Accepted Answer

Spouse + two children are covered under the family plan.

Question 10

Is the Insurance cover offered per member or is applicable for all members in the plan?

Accepted Answer

In the family plan the cover amount is the total sum insured for all the members. All members combined can claim, up to the sum insured.

Question 11

Can I become a member even if I have a pre-existing disease?

Accepted Answer

Yes you can. Please contact us to know more.

Question 12

What are the maximum number of claims allowed under this plan?

Accepted Answer

There is no limit. You can claim any number of times, up to the limits offered under the plan.

Question 13

Is a medical checkup necessary for availing membership under the plan?

Accepted Answer

Medical check is not required for people upto 40 years of age. You just need to give a declaration of good health to be eligible for the insurance offer. However people above 40 years will have to undergo medical tests.

Question 14

What happens if some of the conditions mentioned in the Declaration of Good Health don't apply to me or my family members?

Accepted Answer

Declaration of Good Health is an eligibility criteria for enrollment into Insurance offer; In case if you don't qualify all or some of the conditions mentioned in the Declaration of Good Health then you are not eligible for IPD plan.

Question 15

Who all can become a member under this plan?

Accepted Answer

Anyone between the age group of 0 to 55 years can become a member of the plan.

Question 16

How soon can I start availing benefits under this plan?

Accepted Answer

You can start availing OPD benefits from Day 1 of the membership. Insurance cover has a wait period of 15 days.  For some specific illnesses there is a wait period of 1 year.  Accidental hospitalization is also covered from Day 1.

Question 17

Is maternity covered in this Plan?

Accepted Answer

Yes, you can avail Maternity benefits, both OPD and IPD under this plan. Under Insurance Plan, IPD benefit under Maternity is limited to Rs. 50,000 for both Normal and C Section delivery, with a waiting period of 9 months from Policy inception.

Question 18

How will I get my Insurance policy document?

Accepted Answer

You will receive a Certificate of Insurance on your Email ID within 24 hours from payment. Email will be sent by the Insurer.

Question 19

How can I cancel my plan?

Accepted Answer

You can cancel your membership after 3 months. We will refund your membership amount on a pro-rata basis. Sadly, we won't be able to offer you a refund if you have used any OPD or IPD benefits.

Question 20

Will I get Restoration Benefits for multiple claims for the same illness, for the same member?

Accepted Answer

Yes, Restoration Benefits can be claimed for same or different illness, for same of different member

Question 21

What are the Terms and Conditions?

Accepted Answer

You can find the Terms and Conditions Here.

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