Why Prime.Care?
Your mediclaim only wakes up when you’re admitted.
You call the doctor: consultation, cash. Stop at the pharmacy: medicines, cash. Two days later, a blood test: cash again. Your health insurance card stays in your wallet, because none of this involved hospitalisation.
The problem isn’t health insurance—it’s what it was built to cover. Most family floater and corporate plans in India focus on hospitalisation of 24+ hours, leaving everyday outpatient care uninsured. Across a year, these small expenses add up to a significant amount Indian families pay entirely out of pocket.
| Everyday Expense | Paid For By Regular Health Insurance? | Paid For By Prime Care? |
|---|---|---|
| Fever/viral consultation | No | Yes, cashless |
| Monthly prescribed medicines | No | Yes, cashless |
| Routine blood test or check-up | Rarely | Yes, from Day 1 |
| Surgery or hospital admission | Yes | Not applicable |
Your Health Cover, honestly explained
What exactly is an OPD health insurance plan?
OPD stands for Outpatient Department: any care you receive without an overnight hospital stay. Think consultations, medicines and diagnostics.
An OPD plan is purpose-built to pay for that category of expense, either through reimbursement or, increasingly, through a cashless OPD wallet you can spend directly at partner clinics and pharmacies. It isn’t a substitute for your existing health insurance. It’s the missing half.
| If you need this... | Look to... |
|---|---|
| Surgery, ICU, hospital admission | Your existing hospitalisation health insurance |
| Doctor visits, medicines, tests | An OPD insurance plan like Prime Care |
Where the current system breaks down
Here’s where the current system breaks down for most families:
Hospitalisation policies only activate on admission; everything else is paid entirely out of pocket.
- Employer group insurance rarely includes OPD, and where it does, it’s usually a reimbursement process, not a cashless one.
- Reimbursement means paying first, saving every receipt, filing a claim, and waiting weeks to see the money again, only if the claim isn’t rejected on a technicality.
We sit between no cover and full insurance: an affordable, purpose-built OPD plan that works alongside whatever hospitalisation policy you already have.
| Comparison Point | Hospitalisation Health Insurance | Reimbursement-Only OPD Rider | Prime Care OPD Plan |
|---|---|---|---|
| Doctor consultations | Hospitalisation Health Insurance | Reimbursement-Only OPD RiderCovered, pay first | Prime Care OPD PlanCovered, Cashless |
| Claim experience | Hospitalisation Health InsuranceNot applicable | Reimbursement-Only OPD RiderPaperwork, weeks to settle | Prime Care OPD PlanInstant QR scan, no paperwork |
| Waiting period | Hospitalisation Health Insurance30–90 days typical | Reimbursement-Only OPD RiderOften applies | Prime Care OPD PlanNone |
| Best suited for | Hospitalisation Health InsuranceSurgery, ICU, admission | Reimbursement-Only OPD RiderEmployees with existing group cover | Prime Care OPD PlanEveryday care for individuals & families |
Everything a family actually uses, covered from day one
No sub-clauses hiding what’s excluded. Just the everyday care you already pay for, made cashless.
Our plans are made around one annual wallet you actually use, not a policy document you hope you never need.
In-Clinic Doctor Consultations
Cashless access to consultations across the partner clinic network, for the visits you can’t postpone.
Unlimited 24/7 GP Tele-Consultation
Instant consultation; a doctor on call at 11 p.m. on a Sunday, included on every plan.
Prescribed Pharmacy
Prescribed medicines redeemed cashless at partner pharmacies, no waiting for a refund.
Diagnostics & Annual Health Check-Up
Lab tests and one annual check-up covered from day one, not after a waiting period.
What Makes It a Cashless OPD Plan
Every benefit is tied to your OPD cashless card: a digital QR code on your phone, linked directly to your annual wallet.
Cashless access to consultations across the partner clinic network, for the visits you can’t postpone.- Your bill is settled instantly from your OPD wallet, no cash upfront
- No reimbursement form, no scanned receipts, no waiting for a claim to clear
- Family plans share one wallet across up to 4 members on one card
Sign Up to Scan in Four Steps
Pick Your Plan
Choose Bronze, Silver, Gold, Platinum or Advanced, then Individual, Family or Extended family, based on how often your household uses healthcare.
Complete a 2-Minute KYC
Just your name, phone, and email. No medical tests, no health questionnaire.
Receive Your OPD Cashless Card
Your cashless QR and digital policy card are delivered once your plan is confirmed.
Scan & Save
At any network clinic, pharmacy, or lab, scan your card and pay directly from your OPD wallet.
Built Around Indian Regulation, Not Around Fine Print
- DPDPA 2023–compliant data handling, with clear rights to access, correct, or erase your data
- KYC-based identity verification before your plan activates
- A 15-day free-look refund window if the plan isn’t the right fit
- A named grievance officer and published Terms of Service for every plan
- Clear exclusions stated upfront: no hospitalisation cover, no cosmetic or fertility treatment, no cash payouts
Start With One Plan and Cover Your Whole Family
Same tiers for every family size. Prices include GST.
Bronze
₹833/ month
₹10,000 / year · ₹20,000 OPD wallet
Not available for Family cover
Not available for Extended family cover
Doctor consultations- Medicines
- Diagnostics
- Annual health check-up
Silver
₹1,424/ month
₹17,085 / year · ₹30,000 OPD wallet
₹1,764/ month
₹21,165 / year · ₹30,000 OPD wallet
₹2,125/ month
₹25,500 / year · ₹30,000 OPD wallet
- Doctor consultations
- Medicines
- Diagnostics
- Annual health check-up
Gold
₹1,787/ month
₹21,440 / year · ₹40,000 OPD wallet
₹2,213/ month
₹26,560 / year · ₹40,000 OPD wallet
₹2,667/ month
₹32,000 / year · ₹40,000 OPD wallet
- Doctor consultations
- Medicines
- Diagnostics
- Annual health check-up
Platinum
Most popular₹2,094/ month
₹25,125 / year · ₹50,000 OPD wallet
₹2,594/ month
₹31,125 / year · ₹50,000 OPD wallet
₹3,125/ month
₹37,500 / year · ₹50,000 OPD wallet
- Doctor consultations
- Medicines
- Diagnostics
- Annual health check-up
Advanced
₹2,931/ month
₹35,175 / year · ₹75,000 OPD wallet
₹3,631/ month
₹43,575 / year · ₹75,000 OPD wallet
₹4,375/ month
₹52,500 / year · ₹75,000 OPD wallet
- Doctor consultations
- Medicines
- Diagnostics
- Annual health check-up
Why Prime Care, Not Just Any OPD Cover
Genuinely Cashless
Not a reimbursement plan wearing a cashless label; every benefit settles instantly at the point of care
No Medical Tests
Sign-up needs KYC, not a health check-up
Real Network
Apollo 24|7, Tata 1mg, Redcliffe Labs, Agilus Diagnostics, Fortis, and fit.pass, not an unnamed list of “partners”
Transparent Pricing
5 tiers, published wallet limits, no hidden sub-clauses
Fast Activation
Buy today, and your plan activates the same day once KYC is confirmed
Try It Risk-Free
Full refund within 15 days if you haven’t used any benefits