Everyday healthcare,
handled for you.
Four services, one card, and not one reimbursement form.
Clinic bill
Sunrise Clinic
OPD-4417
Koramangala, Bengaluru · 12 Mar
You pay
₹2,780
Walk into a partner clinic, lab or pharmacy. Show your card, pay nothing, file nothing. The bill comes to us.
- Consultations, diagnostics and pharmacy
- No forms, no receipts to hold on to
- Settled directly with the provider
0+
Partner clinics, labs and pharmacies
0
Cities, and counting
0
Reimbursement forms, ever
Cashless OPD
Here's the whole list — including the parts we don't cover.
Most insurers put the exclusions in a PDF nobody opens. Ours are on the homepage, in the same size type as everything else.
What's covered
Doctor consultations
General physicians and specialists, in clinic or online.
Diagnostics and labs
Blood work, imaging, ECG and the usual panels.
Pharmacy
Prescribed medicines at partner pharmacies.
Dental and vision
Routine check-ups, cleaning, and an annual eye test.
Second opinions
Independent review from a specialist abroad.
Care programs
Guided, multi-week treatment for five common concerns.
What isn't
Hospitalisation
This is OPD cover. Admitted care needs a health insurance policy.
Cosmetic procedures
Anything elective and aesthetic, including hair transplants.
Over-the-counter purchases
Medicines bought without a prescription on file.
Out-of-network visits
We settle at partner providers. Elsewhere, you'd pay yourself.
Spectacles and lenses
The eye test is covered. The frames and lenses aren't.
Alternative therapies
Ayurveda, homeopathy and the like, unless your plan adds them.
How settlement works
Three steps, and you're done.
- 01
Find a partner
Search the network for a clinic, lab or pharmacy near you. Most people have one within a few kilometres.
- 02
Show your card
At the counter, before you pay. There is no form to fill in and nothing to pre-approve.
- 03
Walk out
We settle with the provider directly. No receipts to keep, no claim to file, no waiting for money back.
The network
Somewhere near you, most likely.
Clinics, labs, pharmacies and dental practices where the bill is settled at the counter.
Clinic
Sunrise Clinic
Koramangala, Bengaluru
Lab
Meridian Diagnostics
Indiranagar, Bengaluru
Pharmacy
Wellspring Pharmacy
HSR Layout, Bengaluru
Dental
Northline Dental
Jayanagar, Bengaluru
Clinic
Harbour Family Practice
Bandra West, Mumbai
Lab
Anchor Path Labs
Andheri East, Mumbai
Pharmacy
Marine Drive Chemists
Churchgate, Mumbai
Dental
Fort Dental Studio
Fort, Mumbai
Second Opinion
Before you agree to it, let someone else read it.
Send your reports and scans. A board-certified specialist abroad writes back within about 7 days — in writing, with reasoning you can take back to your own doctor.
Oncology
USPractising in the United States
Staging, treatment sequencing, and whether a proposed protocol is standard of care.
Orthopaedic surgery
UKPractising in the United Kingdom
Whether surgery is indicated yet, and what conservative options remain untried.
Cardiology
CAPractising in the Canada
Intervention thresholds, medication regimes, and second reads on imaging.
Neurology
USPractising in the United States
Diagnostic certainty on complex presentations and long-term management.
Reviewers are identified by speciality and jurisdiction rather than by name. You receive the reviewing clinician’s credentials with your report.
Care Programs
Five things India actually goes looking for.
Each one is a plan with a start and an end, one clinician throughout, and a check-in you have to actively skip.
Hair fall
12 WEEKSFind out whether it's thyroid, iron, stress or genetics before you spend on treatments that assume the wrong one.
- Baseline bloodwork
- Dermatologist review
- Fortnightly check-ins
Knee pain
12 WEEKSMost knee pain doesn't need surgery. A loading programme, supervised properly, is the first thing to try.
- Orthopaedic assessment
- Physiotherapy plan
- Progress reviews
Thyroid & fatigue
16 WEEKSGetting the dose right takes several rounds of testing. The programme handles the schedule so you don't.
- TSH, T3, T4 panels
- Endocrinologist review
- Dose adjustments
Pre-diabetes
24 WEEKSThe window where this is reversible is real, and it's now. Structured food, movement and monitoring.
- HbA1c tracking
- Dietitian sessions
- Monthly clinician review
Back pain
10 WEEKSDesk-shaped backs respond to specific, boring exercises done consistently. We make them less easy to skip.
- Posture assessment
- Guided exercise plan
- Fortnightly check-ins
Group insurance
Six people is a company. Insurers keep forgetting.
Group cover almost always starts at twenty employees. That leaves most early-stage companies in the country buying nothing at all. We set no minimum.
- No twenty-employee minimum
- Add and remove people any time
- One invoice, one renewal date
- Employees get the same card as everyone else
- GMC
Group Medical Cover
Hospitalisation for your team, and their families if you want it.
- GPA
Group Personal Accident
Accidental injury and disability, on the clock or off it.
- OPD
OPD add-on
The same cashless consultations, labs and pharmacy.
Plans
Priced per month, cancellable.
No claim forms means no claim ratios to game. What you see is what gets settled.
Individual
One person
₹499per month
- ₹10,000 OPD cover a year
- Unlimited partner consultations
- Labs, diagnostics and pharmacy
- One second opinion a year
Family
Most takenUp to four people
₹1,199per month
- ₹25,000 OPD cover a year
- Everything in Individual, for all four
- Two second opinions a year
- One care program included
- Dental and vision check-ups
Team
Companies under ten
₹399per employee, per month
- GMC, GPA and OPD add-ons
- No minimum headcount
- Add and remove people any time
- Cashless OPD for every employee
Indicative pricing. Final premiums depend on age, city and team size.
In their words
What people say once the forms are gone.
“I'd been putting off a blood test for months because of the faff of claiming it back. Walked into the lab, showed the card, walked out. That was the whole thing.”
Member · Bengaluru
Cashless OPD
“We were told surgery was the only option. The review said start with twelve weeks of physio first. Eight months on, we haven't needed the surgery.”
Member · Mumbai
Second Opinion
“Six people. Every insurer I called wanted twenty. This was the first quote I got that wasn't a polite no.”
Founder · Delhi NCR
Group Insurance
“The fortnightly check-in is the part that actually works. Left alone I'd have quit in week three like every other time.”
Member · Hyderabad
Care Programs
“My parents can use it without calling me to explain the paperwork, because there isn't any.”
Member · Chennai
Cashless OPD
“Reading the exclusions on the homepage before I signed up is why I signed up.”
Member · Pune
Cashless OPD
Questions
The things people ask before signing up.
Get started
Find out what you’d be covered for. It takes a minute.
Tell us where you are and what you need. We’ll come back with what it costs and what it doesn’t cover.