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help@insurmonthly.com
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This is what India’s best health plan looks like

Your InsurMonthly Membership in plain terms

Going through terms and conditions is probably the last thing you want to do.

But we’ve tried our best to keep our terms really short and simple

All-in-One Health Plans Starting @ ₹623/month

What makes your InsurMonthly

Membership Amazing

Hospitalisation
Upto 20Lac+ coverage with cashless across 7800+ hospitals.
Doctor fees
Visit a doctor or consult them - we got you covered get 50% off all doctor consultations.
Lab tests
Radiology, ECG or any prescribe diagnostic test - we'll take care of it 20% instant reimbursement.
Medicine bills
We'll pay for all of your medical bills 20% instant reimbursement on prescribe medicine bills.
Mental health
Get one free wellness session in a year.
Dental fees
20% instant reimbursement on dental consultation.
Virtual Doctor fees
Get free unlimited virtual doctor consultation.
Body check-up
Get one free full body check-up in a year.
Cover for OPD:(Unlimited usage with a Capping of Rs 1000 Per Consultation)

Consultant with any Doctor at the hospital of your choice. Get 50% Instant Reimbursement on OPD Doctor Consultation

Hospitalisation cover: Up to ₹20 Lac in a year

You have an individual and family cover (floater) to choose from 1lac till 20lac. In the case of a family plan, you have the flexibility to use the total cover among members.Covid-19 hospitalisations are covered too.

Claims Process: Cashless/Reimbursement

Using an InsurMonthly service comes with cashless benefits. Book your consultation through app when you need consultations/tests/ hospitalisation.We will recommend facilities where you can use cashless services as per our insurer’s T&Cs. Where we cannot make a service cashless, we will reimburse you as per our insurer’s T&Cs.

Co-pay: ₹0

Co-pay? No way. You’ve done your bit by paying us the subscription, we’ll hold our end of the bargain.

Room rent: No cap

You’re entitled to a single occupancy AC room (base level) with no room rent restrictions when you need to be at the hospital.

Age limit

1 month to 65 years (inclusive)

Territorial validity of membership

Anywhere in India

Plan duration

12 Months

Payment schedule

Pay on a monthly recurring basis or pay for a 12-month plan in one go.

Cancellations-refunds

Please note that cancellation of your subscription is not available at InsurMonthly. We do not offer refund of any value in any stage according to our refund policy, our policy equally to each member.

What your InsurMonthly plan covers

What’s Included?

This is when you need to be admitted to the inpatient department at the hospital for one or more days. Please inform us of any planned hospitalisation So we can make this entire process cashless for you through our insurance partner. Your hospital expenses will be cashless within our insurance partner’s network as per their terms & conditions.
You will get a dedicated team of InsureMonthly Experts and they will help you with consultations, emergencies, and membership questions. Text them any time when you need anything.
Getting better begins with getting to the root of the problem. You can get any doctor prescribe lab test at 20% reimbursement through InsurMonthly App. If the tests can be done at home, we will arrange for a lab partner to visit you.
InsurMonthly Membership comes with Get 50% Instant Reimbursement on OPD Doctor Consultation cashless benefits. Book your consultation through app when you need consultations/tests/ hospitalisation. We will recommend facilities where you can use cashless services as per our partnership. Where we cannot make a service cashless, we will reimburse you as per our T&Cs.
Get the best of healthcare from the comfort of your couch. You get unlimited teleconsultations with partner’s doctors.
We’ve got your back through challenging times. You get free teleconsultations from in-house doctors and -approved tests to treat your condition. One caveat though, we do not cover Covid-19 tests for travel.
Your health is our top priority, and you never have to worry that we will underplay this. We give free Full Health Check-up to all our members once in a year at 0 cost.
Road ambulance expenses up to ₹2000 per use will be covered.
Emergency means a serious medical condition or symptom resulting from injury or sickness which arises suddenly and requires immediate care and treatment to avoid jeopardy to the life or serious damage to the health of a Person. The emergency continues until the condition of the Person stabilizes and the continuing medical condition or symptoms are not considered an Emergency anymore.We hope you never have to use this. But if you do, your hospitalisation expenses will be covered anywhere in India.
Expenses for 30 days of pre-hospitalisation
Expenses for 60 days of post-hospitalisation
Up to Sum Insured

How do I use InsurMonthly
Subscription Services ?

All our services in one app
For Doctor consultations, lab tests & physical (OPD)
First step : Download the app
1

Book a consultation with us

Book a quick teleconsultation with our partners doctor on the InsurMonthly app any time you need us ( Go to Dashboard and on a single click use Tele-Doctor or Virtual OPD )

2

We unlock the payment scanner

Consultant with any Doctor Get 50% Instant Reimbursement on OPD Doctor Consultation at the hospital of your choice ( Go to Dashboard and on a single click use Reimbursement Option)

3

After Doctor Visit

Go to Dashboard and just a click on Reimbursement and upload your bills.

4

Share your docs

Upload doctor consultation bills, doctor notes, prescriptions, etc on the InsurMonthly app to reactivate it

5

Small emergencies?

Please click the phone button on the app to contact us directly for immediate care.

For planned hospitalisation (IPD)

Share your docs

Just give us a call and we will guide you through the hospitalisation process and make sure your hospital experience is as smooth as possible.

Emergency Care

Call us as soon as possible (within 24 hours) so we can understand which hospital you are in and help you with all the paperwork. Please submit all proofs and bills with us and we will coordinate reimbursements through our insurance partner.

Please Note

Emergency is a life-threatening situation that requires immediate medical attention. Examples include a road accident, a heart attack, a stroke, etc. Please use this service wisely.