Terms & Conditions

Last updated: June 2026

1. About Prime Care

Prime Care is an OPD (outpatient) health benefit programme operated by Zap Private Limited ("Zap", "we", "us"). The programme's benefits are delivered by our benefits partner. By purchasing a Prime Care plan you agree to these Terms & Conditions.

2. Eligibility

Prime Care plans are available to Indian residents aged 18 years and above. By subscribing you confirm that all information provided - including name, mobile number, email address, and identity details - is accurate and belongs to you or the family member being covered.

3. Plan Benefits & Wallet

• Each plan carries an annual OPD wallet (₹20,000 / ₹30,000 / ₹40,000 / ₹50,000 / ₹75,000 depending on plan tier) which may be used at our benefits partner's network partners.
• The wallet is one pooled balance across consultations, diagnostics, pharmacy, vision and dental. On the Bronze plan each of these has its own annual limit within the wallet. Unused wallet balances do not carry forward to the next policy year.
• The cashless QR transaction limit is ₹2,000 per transaction. Multiple transactions may be used within the wallet balance.
• Benefits are activated upon confirmation of successful payment and completion of KYC verification.
• Family plan wallets are shared across all covered members.

4. Annual Health Check-up (AHC)

One Annual Health Check-up is included in all plans. ₹1,500 is deducted from the diagnostics sub-wallet per AHC utilised. The AHC must be booked through the Prime Care app or concierge desk.

5. Billing & Payments

• All plans are billed annually.
• Payments are processed through Razorpay and are subject to Razorpay's terms of service.
• Zap Private Limited does not store any card, UPI, or banking credentials.
• All prices are inclusive of applicable taxes unless stated otherwise.

6. Free Look Period & Cancellations

You may cancel your plan within 15 days of purchase for a full refund, provided no benefits have been utilised. After the free-look period, annual plans may be cancelled with a pro-rata refund for unused months, minus any benefits already consumed. Refunds are processed within 7-10 working days to the original payment method.

7. Activation Timeline

Plans activate the same day once payment is confirmed. Zap Private Limited is not liable for any healthcare expenses incurred prior to activation confirmation.

8. Exclusions

• Hospitalisation, surgery, or in-patient procedures are not covered under Prime Care.
• Pre-existing conditions are not excluded from OPD consultations, but diagnostic tests related to pre-existing conditions may be subject to sub-limit caps.
• Cosmetic procedures, fertility treatments, and experimental therapies are excluded.
• Benefits cannot be redeemed for cash or transferred to another person.

9. Network Partners

Benefits are redeemable only at our benefits partner's empanelled network partners. Zap Private Limited does not guarantee the availability, quality, or continuity of any specific partner's services. The network may change from time to time; current partner lists are available in the Prime Care app.

10. Limitation of Liability

Zap Private Limited's aggregate liability to any subscriber shall not exceed the annual premium paid for the relevant plan year. We are not liable for indirect, consequential, or incidental damages arising from your use of Prime Care benefits.

11. Modifications

Zap Private Limited reserves the right to modify these Terms & Conditions, plan pricing, or benefit structures with 30 days' notice. Continued use of your plan after such notice constitutes acceptance of the revised terms.

12. Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Bengaluru, Karnataka.

13. Contact

For any queries, write to help@getprime.care or call 98862 73398.

Zap Private Limited · help@getprime.care · Bengaluru, India