Bharat Arogya Individual Health Protection Membership
Affordable healthcare membership with hospitalization, pre and post hospitalization benefits, day care treatment coverage and ambulance benefits.
Bharat Arogya IndividualHealthcare Membership
Health protection for your
every medical need.
Comprehensive healthcare support benefits with hospitalisation cover, day care, pre & post care across 6,000+ network hospitals.
- Ages 18-65
- Healthcare Network Access
- Pre & post care
- Individual plan
STARTS FROM
₹2599/year
Healthcare MembershipWellness 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.
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 individual 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.