logo-phable
logo-phable
image image

Choose more than just health insurance. Get a complete health package.

Our exclusive package comes with health insurance and added benefits to cover all your medical expenses.

Powered byicon

image
image
Get Complete Health Package with ₹3 Lakh Health Cover Starting ₹550/month.
Enjoy a host of benefits beyond hospitalisation expenses.
+91
Our care expert will reach out to you within 24 hours.

Thank you for putting your health first.

Download the Health Package brochure here.
Download the app to get started.
image image
icon
Health Insurance from Care Health Insurance Ltd.
icon
5 Online Doctor Consultations Every Month
icon
Upto 35% Discount on Medicines & Lab Tests
icon
Smart Family Health Management on Phable App
icon
Health Insurance Cover by Care
Get an affordable hospitalisation cover of your choice (₹3 lakhs, 5 lakhs, 7 lakhs, 10 lakhs) against expenses incurred during a medical emergency, illness, surgery, or injury.
icon
Free Online Doctor Consultations
Access upto 5 consultations every month and redeem as many times during the plan subscription period. Phable is powered by 5000+ doctors over 25+ specialties.
image
icon
Exclusive Offers on Health Essentials
Enjoy a flat 25% OFF on medicines and lab tests ordered via Phable and save upto ₹12000 per annum through discounts and benefits available through the subscription plan.
icon
Family Health Management
Manage your family’s health with Phable. Get simplified access to all your health data, book consultations, order medicines and tests, and monitor your health through smart devices.
We’ve crafted our comprehensive health plan with extra care.
icon
Health Insurance
Cover, by Care
Get an affordable hospitalisation cover of your choice (₹3 lakhs, 5 lakhs, 7 lakhs, 10 lakhs) against expenses incurred during a medical emergency, illness, surgery, or injury.
icon
Free Online Doctor Consultations
Access upto 5 consultations every month and redeem as many times during the plan subscription period. Phable is powered by 5000+ doctors over 25+ specialties.
icon
Exclusive Offers
on Health Essentials
Enjoy a flat 25% OFF on medicines and lab tests ordered via Phable and save upto ₹12000 per annum through discounts and benefits available through the subscription plan.
icon
Family Health
Management
Manage your family’s health with Phable. Get simplified access to all your health data, book consultations, order medicines and tests, and monitor your health through smart devices.
Phable’s Health Package Vs. Regular Health Insurance
Features
Health Insurance Cover
Option to choose from Sum Insured option of ₹3, 5, 7 and 10 Lakhs, on individual or family floater basis.
Unlimited Doctor Consultations
Timely video consultations with 5000+ doctors.
Medicines
Delivery in 4000+ cities and 22000+ pincodes.
Lab Tests
Widest range of lab tests at the best prices.
Devices
Health & Wellness Packages
Chronic Disease Management Program
Covid Care Packages
Phablecare Health Package
icon
3 Lakhs SI included
with Zero Co-payment
and Cashless Claims
Only 30 day waiting period for those with Diabetes/Hypertension
icon
Included
icon
Upto 35% off
icon
Upto 25% off
icon
Upto 70% off
icon
Upto 60% off
icon
Upto 80% off for those with Diabetes & Hypertension
icon
Upto 70% off
Regular Health Insuraance
icon
3 Lakhs SI included
with Zero Co-payment
and Cashless Claims
Only 48 months (4years!) waiting period for those with Diabetes/Hypertension
icon
Not Available
icon
Not Available
icon
Not Available
icon
Not Available
icon
Not Available
icon
Not Available
icon
Not Available
Phable’s Health Package
Vs
Regular Health Insurance
icon
Regular
Phable’s Health Package
Vs
Regular Health Insurance
icon
Regular
Health Insurance Cover
Option to choose from Sum insured option of 3, 5, 7 and 10 Lakhs, Individual or Family Floater Basis.
icon
3 Lakhs SI included
with Zero Co-Payment
and Cashless Claims
Only 30-day waiting period for those with Diabetes/Hypertension
icon
3 Lakhs SI included
with Zero Co-Payment
and Cashless Claims
Usually 48 months (4years!) waiting period for those with Diabetes/Hypertension
Unlimited Doctor Consultations
Timely video consultations with 5000+ Doctors.
icon
Included
icon
Not Available
Medicines
Delivery in 4000+ cities and 22000+ Pincodes.
icon
Upto 35% off
icon
Not Available
Lab Tests
Widest range of lab tests at the best prices.
icon
Upto 25% off
icon
Not Available
Devices
icon
Upto 70% off
icon
Not Available
Health & Wellness Packages
icon
Upto 60% off
icon
Not Available
Chronic Disease Management Program
icon
Upto 80% off for those with Diabetes & Hypertension
icon
Not Available
Covid Care Packages
icon
Upto 70% off
icon
Not Available
What’s covered in our all-inclusive health insurance
icon
Insures you for Sum Insured (SI)
Basis user selection - ₹3 Lakhs, 5 Lakhs, 7 Lakhs or 10 Lakhs.
icon
Day Care
Treatment
Less than 24-hour treatment can be availed up to SI value.
icon
Domestic Road Ambulance Expenses
Up to ₹1500 per hospitalisation
icon
In-Patient care during Hospitalisation
Up to the SI value. Includes Single Private Room for ₹5 Lakhs and above SI.
icon
Pre & Post Hospitalisation
Expenses covered up to 30 and 60 days respectively.
icon
Waiting
Period
30 days (except accidents and injuries) 2 Years for other specific diseases (vs 4years by other companies)
What’s covered in our all-inclusive health insurance
icon
Insures you for Sum
Insured (SI)
Basis user selection - ₹3 Lakhs,
5 Lakhs, 7 Lakhs or 10 Lakhs
icon
Day Care
Treatment
Less than 24-hour treatment
can be availed up to SI value
icon
Domestic Road
Ambulance Expenses
Up to ₹1500 per hospitalisation
icon
In-Patient care during Hospitalisation
Up to the SI value. Includes Single Private Room for 5 Lakh and above SI
icon
Pre & Post
Hospitalisation
Expenses covered up to 30 & 60 days respectively
icon
Waiting Period
30 days (except accidents and injuries) 2 Years for other specific diseases (vs 4years by other companies)
Why Care’s Insurance works better for your family.
Care Health Insurance offers a wider network of hospitals, cashless treatment benefits, claims support and claim settlement ratio.
15500+
Cashless Healthcare Providers
2 hours
Cashless Claim Processing (Approx.)
100%
In-house Settlement for Better Management
25 Lakhs+
Claims Settled
95.2%
Industry Best Claim Settlement Ratio*
24x7
Dedicated Customer Support for Your Health Needs
img
Frequently Asked Questions
Why should I purchase a health package from Phablecare?
Phablecare is a funded startup powered by the most renowned names in global healthcare. We are pioneering an innovative care ecosystem for the millions of Indians affected by lifestyle diseases, and have exclusively partnered with Care Health Insurance Ltd to make affordable and quality healthcare accessible to everyone.
What does Sum Insured mean in a health insurance plan?

The sum insured refers to the maximum coverage amount that the insurance company will be liable to pay the insured person in case of an unforeseen medical emergency or planned medical treatment.

The sum insured is based on the principle of indemnity, where the insurer (the insurance company) will cover the medical expenses one incurs up to the sum insured under the health insurance plan. The claim amount that exceeds the sum insured will have to be borne by the insured person.

How much coverage (sum insured) do I need in my health insurance?

The health insurance coverage you need depends on your medical needs, age and health risks, the city you live in, and various other factors.

Consider the below points to make an informed decision:

  • Medical Inflation: Medical treatments usually get expensive with time. Based on your health conditions and the treatment you may need, choose an adequate sum insured. A minimum of ₹5 lakh per individual is a good starting range for health cover.
  • Age: With age, the risk of diseases increases. It's good to have more and more cover with age.
  • Senior Citizens Coverage: The elderly may need medical attention and long-term treatment based on their health condition. Opt for a policy that fits your requirements.
  • Metro Cities: If you live in a metro city, you will end up spending more on medical bills. Choosing a higher sum insured will keep your family financially safe.
What are the factors that decide my health package premium?

The subscription plan has two cost components - one is the non-discounted variable cost of the health insurance cover (in partnership with Care Health Insurance Ltd) and the other is a small fixed-cost for the additional benefits you get through Phable.

The health insurance cost is variable. When you subscribe to this plan, for the health insurance cover part of the plan your application is checked by a team of members called underwriters - they check your details (including declared medical history) and on a case-to-case basis, may include increasing your premium basis the risk involved in providing you an insurance cover. Basically, if a person’s medical health is fragile, then the insurance company has to undertake higher risk to provide him/her insurance cover since there is a higher probability that the person will need hospitalisation for which the insurance company will have to pay.

Below are some of the factors that decide your insurance premium:

  • Age Factor: The risks of illnesses go up with age, so the premiums increase with age. However, there are certain age brackets within which premiums remain same (e.g. age 18-34 is one bracket for which premium remains same).
  • Pre-existing Conditions:Premium costs are high if one has any pre-existing medical condition, such as hypertension, asthma, and diabetes when buying a health cover.
  • Body Mass Index: A high BMI, beyond the normal range, indicates that a person may have higher health risks; thus, premiums may be higher.
  • Lifestyle: Some risky lifestyle habits, including tobacco consumption, drinking, and smoking can lead to a higher premium since these habits negatively impact health.
What is NOT covered under the Care health insurance plan?

Please check the exclusions mentioned in the policy documents. Exclusions are expenses or the various cases when you may not be eligible to get a claim under your health policy.

Some of the exclusions include:

  • Expenses attributable to use/misuse/abuse of alcohol or drugs.
  • Any treatment or medical expenses incurred within 30 days of policy period start date, except accidents.
  • Medical treatment related to congenital diseases.
  • Expenses incurred due to self-inflicted injury, suicide, or attempted suicide.
  • Treatment arising from or traceable to miscarriage and abortion.
Disclaimer
Terrals Technologies Pvt. Ltd. is the master policyholder and existing customer of Terrals Technologies Pvt. Ltd. are only eligible for enrollment under this scheme.
Information above is just for reference. Health insurance scheme is provided by Care Health Insurance Limited (formerly known as Religare Health Insurance Company Limited) under product Group Care 360.
Insurance underwriting, servicing of the policy and adjudication of claims is sole responsibility of Care Health Insurance. For detailed terms and conditions of the scheme, risk factors etc, please read the scheme document carefully before enrollment under the scheme. Kindly refer to IRDAI guidelines for tax exemption conditions.
Claim Procedure: For Reimbursement - Information and documents need to be submitted by an insured member to Care Health Insurance within 15 days of discharge from the hospital/completion of treatment.
Insurance is a subject matter of solicitation.
Group Care 360 is a trademark of Care Health Insurance Company Limited (IRDAI Registration Number - 148). Website: https://www.careinsurance.com/

We’re bringing the future of healthcare to your fingertips.

Copyright © . All rights reserved.

We’re bringing the future of healthcare to your fingertips.

Copyright © . All rights reserved.

Copyright © . All rights reserved.

image

Congratulations

You've earned a

of our No Tension Subscription Plan