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Save more than just your health.

Our comprehensive package comes with added benefits to cover all your medical expenses, with more than Rs.12,000 in annual savings.

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Enjoy a host of benefits beyond hospitalisation expenses
2500+ Health Packages Purchased
Average monthly savings up to Rs. 1250+
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Additional savings up to Rs.75,000 on taxes U/S 80D
Easy Monthly Subscription
No Medical Check-up before Policy Activation
PERSONAL DETAILS
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Coverage that truly covers all
Phable’s comprehensive health plans have you covered on everything you need. Here’s a look at everything your health package includes:
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Cashless Hospitalization cover upto 10 Lacs - Sum Insured option of ₹3, 5, 7 and 10 Lakhs, on an individual or family floater
Unlimited In-person or Tele Doctor Consultations Access to 10,000+ doctors across 26 specialities
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Up to 80% off
On Diabetes and Hypertension management programs
Up to 70% off
On Best-in-class medical devices
Up to 70% off
On COVID-19 Care Packages
Up to 60% off
On Health Products
Up to 35% off
On Medicines with delivery across 4000+ cities and 22000+ pincodes
Up to 25% off
On the widest range of lab tests
Additional Phable Discounts
What’s covered under Hospitalization
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Cashless Hospitalization cover (up to 10 Lacs) along with 541+ Day Care treatments
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Free Annual Health Checkup
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Waiting Period - Only 2 Years for specific diseases and Pre-existing Diseases
(vs 4 years by other companies)
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Domestic Road Ambulance Expenses
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Includes Single Private Room - for ₹5 Lakhs and above SI.
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Domiciliary, Pre & Post Hospitalization
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Cashless Hospitalization cover (up to 10 Lacs) along with 541+ Day Care treatments
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Free Annual Health Checkup
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Waiting Period - Only 2 Years for specific diseases and Pre-existing Diseases (vs 4 years by other companies)
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Waiting Period - Only 2 Years for specific diseases and Pre-existing Diseases
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Includes Single Private Room - for ₹5 Lakhs and above SI.
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Domiciliary, Pre & Post Hospitalization
Get complete details about this health package.
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.

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