Care Insurance
  • Published on 8 Oct, 2026

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  • Frequently Asked Questions

  • Q. What is the main difference between telehealth and in-person doctor visits?

    Telehealth provides virtual consultations using digital devices from the comfort of your home, making it ideal for routine check-ups and follow-ups. In-person visits allow for direct physical examinations, diagnostic testing, and hands-on clinical procedures that cannot be conducted remotely.

    Q. Is telehealth cheaper than visiting a doctor in person?

    Generally, yes. Telehealth typically lowers overall healthcare costs by reducing consultation fees, travel expenses, and time taken off work. Many modern health insurance plans also offer expanded coverage for virtual care services.

    Q. Can telehealth fully replace traditional in-person medical care?

    No, telehealth cannot completely replace in-person visits. While virtual care is highly effective for routine consultations, mental health support, and chronic disease management, in-person care remains essential for emergencies, physical exams, imaging, and lab work.

    Q. What is the ‘phygital’ healthcare model?

    The phygital healthcare model is a hybrid approach combining physical in-person clinical visits with digital telehealth services. This ensures patients receive comprehensive, convenient, and personalised care tailored to their specific healthcare needs.

    Q. Can I get coverage for the telehealth services in health insurance?

    Yes, modern health insurance policies increasingly cover telehealth services and virtual consultations. Many insurers include comprehensive coverage for remote care within plans such as Ultimate Care, allowing you to access virtual health services through a dedicated health portal.

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