My Health Companion

Fulfill your common outpatient needs, such as in-clinic doctor consultations, prescribed diagnostics, dental OPD, teleconsultations, and wellness support.

Manage routine healthcare moments that may not require hospitalisation, such as fever, dental concerns, prescribed tests, nutrition support, or doctor consultation from home.

Access many benefits on a cashless basis through prescribed network centres or approved digital platforms, as applicable under the policy.

Consult doctors, dietitians, nutritionists, and emotional wellness experts through our or service provider’s digital platform, where available.

Get an annual preventive health check-up, diet and nutrition sessions, emotional wellness sessions, and AI-powered wellness insights (through the Smart Face Scan feature).

Avail treatment for accidental injuries that may need OPD care, such as first aid, wound management, plaster or cast support, accident-related diagnostics, and follow-up consultations.

Access to Smart Face Scan, which is a digital wellness insight tool that uses a mobile device camera to complete a brief facial scan and generate wellness-related indicators through the service provider’s app.

Get access to network-based discounts for selected healthcare services such as doctor consultations, lab tests, annual health check-ups, and dental procedures.

Please refer to policy wordings for detailed service process and conditions.

Get in-person consultation with medical practitioners, specialists, super-specialists, or AYUSH practitioners at prescribed network centres.

Avail prescribed pathology and radiology investigations through network centres. Reimbursement may be available with prior approval if the recommended network lab is not available.

Avail coverage for dental consultation and eligible dental procedures, such as dental X-rays, root canal treatment, fillings, extractions, crowns and select paediatric dental procedures, as per policy terms.

Get a preventive health check-up once every policy year through prescribed network hospitals or diagnostic centres.

Consult listed doctors through video, audio, or chat using the approved digital platform of the insurer or service provider.

Get coverage for eligible OPD treatment for accidental injuries, including emergency consultation, first aid, wound care, plaster or cast support, medically necessary injections, injury-related diagnostics, and follow-up OPD consultations.

Access digital sessions with listed dietitians or nutritionists through video, audio, or chat to support healthier eating and lifestyle management.

Get access to listed emotional wellness experts through video, audio, or chat for emotional well-being and stress management support.

Receive AI-powered wellness-related insights and indicators using a mobile device camera through the service provider’s app.

Get support for ambulance booking and coordination in emergency situations through the service provider. Actual ambulance charges are payable by the customer.

Please refer to policy wordings for detailed inclusions.

If certain benefits are not used during the policy year, they cannot be carried forward to the next policy year.

Services must be availed through the prescribed network or approved digital platform, unless reimbursement with prior approval is specifically allowed under the policy terms.

Preventive or screening health tests are not covered under the prescribed diagnostics benefit. Preventive checks are available separately under the annual preventive health check-up.

Invasive tests are excluded under the prescribed diagnostics benefit, as listed in the policy wording.

Cosmetic and aesthetic dental treatments such as cosmetic scaling or polishing, bleaching, braces, aligners, tooth replacement, and similar procedures are not covered.

Teleconsultation, diet and nutrition sessions, and emotional wellness sessions are limited to approved digital channels. Physical consultations are not covered under these benefits.

Old injuries, chronic orthopaedic conditions, degenerative diseases, arthritis, long-term physiotherapy, cosmetic or reconstructive procedures, sports overuse injuries, prosthetic devices, implants, supplements, vitamins, and medicines are excluded.

Inpatient department (IPD) treatment, hospitalisation of any kind, and day-care or surgical procedures are excluded under this OPD-focused policy.

Please refer to policy wordings for detailed exclusions and waiting periods.