Question 1

What does this plan consist of?

Accepted Answer

This is a unique subscription plan which covers Out-Patient (OPD), In-Patient (IPD) hospitalization expenses & Personal Accident cover.

Question 2

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 3

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: Unlimited Practo Instant Tele/Video Consultations FLAT 20% off on prescription medicines via Practo app Upto 50% off on diagnostic tests via Practo app Insurance cover from 1L to 5L for Individuals and Family members Personal Accident cover for Primary Insured

Question 4

Do you provide Cashless Facilities?

Accepted Answer

Yes, you can get a cashless facility for both OPD and IPD (Insurance) benefits applicable under this plan.

Question 5

Which hospitals get covered under this plan?

Accepted Answer

There are 9000+ hospitals that get covered under the Practo Total Protect network where you can avail cashless hospitalization. Hospital bills across all other hospitals in India can be reimbursed.

Question 6

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

Accepted Answer

For hospitalization, all hospitals are covered. However, cashless hospitalization is covered only in network hospitals.

Question 7

Is there an option to cover the family under this plan?

Accepted Answer

Spouse + two children are covered under the family plan.

Question 8

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 9

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

Accepted Answer

Depending on the plan chosen, the pre existing diseases can be covered. The plan options available have 4 year wait period, 1 year wait period and zero wait period for PEDs.

Question 10

What is 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 11

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

Accepted Answer

No, a medical test is not required for enrolling into this plan.

Question 12

Who all can become a member under this plan?

Accepted Answer

Anyone between the age group of 18 to 65 years can become a primary member of the plan. While under the family plan age bracket could be 0-65 years.

Question 13

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 30 days. Accidental hospitalization is also covered from Day 1.

Question 14

Is maternity covered in this Plan?

Accepted Answer

Yes, you can avail Maternity benefits, IPD benefit under Maternity is limited to Rs. 25,000 for Normal and Rs. 35,000 C Section delivery, with a waiting period of 9 months in two plans and immediate in 3rd plan from Policy inception.

Question 15

How will I get my Insurance policy document?

Accepted Answer

You will receive a Certificate of Insurance on your Email ID within 48 hours from payment.

All starting at just Rs.101 per employee, per month!

How does it work?

Frequently Asked Questions