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Healthcare Membership

Health cover for you and your
whole family.

Comprehensive healthcare support benefits with hospitalisation cover, day care, pre & post care across 6,000+ network hospitals.

Join BharatCoverView membership fees
  • Ages 18-65
  • Healthcare Network Access
  • Pre & post care
  • Family floater
Healthcare Membership

STARTS FROM

₹15,999/year

Healthcare Membership

Wellness Benefits — Included in Every Membership

Active from day 1 of your membership

Unlimited Teleconsultations

Consult qualified GPs and specialists online with no extra consultation charge.

Up to 80% off Diagnostics

Blood tests, urine tests, HbA1c, lipid profiles and hundreds of lab tests at up to 80% discount.

Up to 30% off Radiology

Discounts on X-rays, MRI, CT scans and ultrasounds at partner diagnostic centres.

Up to 30% off Specialist Visits

In-person specialist consultations at discounted rates across our partner network.

Wellness benefits are provided by our partner network and are separate from the healthcare membership from our partner benefit provider.

What's Covered

Core benefits included in the Bharat Arogya Health plan

In-Patient HospitalizationUp to Benefit Value for room, nursing, surgery, and all in-hospital medical expenses.
Pre / Post Hospitalization30 days of medical expenses incurred before admission and diagnostics.
Day Care ProceduresOver 540 procedures covered with no 24-hour admission required.
Ambulance CoverUp to Rs 2,000 per hospitalization for emergency ambulance charges.
Post-Hospitalization60 days of follow-up care after discharge including medicines and doctor visits.
Room Rent2% of Benefit Value/day for normal ward, 4% Benefit Value/day for ICU. Proportionate deduction applies if exceeded.
Co-Pay 10% co-payment applicable on all benefit assistance requests. You bear 10% of admissible benefit assistance amount.

Waiting Periods

Standard waiting periods applicable under this plan

  • Initial Waiting Period30 Days
  • Pre-Existing Disease (PED)24 Months
  • Specific Disease / Procedure12 Months
  • AccidentsDay 1

Membership Fee at a Glance

Annual membership fee for family floater cover (live catalog tiers)

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Frequently Asked Questions

Healthcare network access is available at network hospitals linked with the partner healthcare provider. Hospital lists can change, so check the latest network list before admission.
Yes. The membership covers 540+ day care procedures that do not require 24-hour hospitalization, as per membership terms and limits.
Co-pay means you share a fixed part of each approved benefit assistance amount. In this membership, 10% co-pay applies, so the partner healthcare provider settles the remaining admissible amount.
Room rent is capped at 2% of benefit value per day for normal room and 4% for ICU. Choosing a higher room category can lead to a proportionate increase in your out-of-pocket expenses for related charges.
Membership upgrade is generally allowed at renewal, subject to partner healthcare provider underwriting and continuity rules. Start the upgrade request before membership terms expiry for a smoother transition.