Health Insurance with Unlimited E-Consultations

What is Unlimited E-Consultation?

Unlimited E-Consultation is a built-in benefit under Care Health Insurance that allows policyholders to consult general physicians from our empanelled network, with no limit on the number of consultations during the policy year. These consultations are available across multiple digital channels- voice, video, chat, and email for maximum convenience and accessibility.

This feature is designed to provide quick medical support for everyday health issues and follow-up care, while eliminating the need for in-person visits and associated consultation costs.

Note: Unlimited access is typically restricted to general physicians only. Consultations with specialists often fall under “Care OPD” riders.

Benefits of Unlimited E-consultations

Unlimited E-consultations bring expert medical guidance to your fingertips, making healthcare safer, simpler, and more convenient.

Convenience & Accessibility: Connect with doctors anytime and from anywhere via video, chat, or email, with no travel required.

Immediate care: Get quick consultations for minor ailments or minor health issues before they escalate or require a hospital visit.

Cost savings: Reduces everyday medical costs, as the benefit is included in the policy premium.

Proactive health: Encourages consistent doctor visits, leading to more effective management of chronic illnesses such as diabetes and hypertension.

Note: This benefit is included in select health insurance plans and is available during the active policy period.

How Does Unlimited E-Consultation Insurance Work?

Unlimited E-consultation ensures seamless access to medical expertise. Your selected health insurance plan allows you to connect with experienced general physicians digitally whenever needed during the policy year, helping you manage health concerns early and effectively.

• Access the Platform: Access the Care Health Insurance app to get started.
• Connect with a Doctor: Pick a qualified network physician and consult using video, chat, or voice call.
• Get Advice: Talk about your symptoms, receive prescriptions when appropriate, and get medical guidance for non-emergency concerns.
• Unlimited Usage: You can consult doctors as often as needed with no per-consultation charges, enabling you to seek medical advice freely and on time.

Note: Consultations are provided through empanelled network doctors and are subject to availability and clinical discretion. Also, the benefit is valid for the active policy period and is subject to the policy's terms and conditions.

Who Should Consider Unlimited E-Consultation?

Unlimited E-consultation is ideal for those seeking reliable medical support, eliminating long waits and travel and ensuring you can consult qualified doctors whenever needed.

• People with Chronic Conditions: Individuals with chronic illnesses benefit from frequent, easy access to doctors, providing uninterrupted care from the comfort of home.
• Busy Professionals & Travellers: Get medical guidance virtually on the go for continuous, dependable healthcare.
• Young Adults & Families: Receive prompt guidance for minor illnesses such as a sore throat or flu to avoid complications and reduce clinic visits.
• Those Seeking Convenience: Ideal for those who value convenience, at-home medical guidance without the hassle of travel or waiting at clinics.
• Cost-conscious Individuals: Reduces the cost of frequent physical consultations, offering a valuable benefit for policyholders.

Note: The benefit of unlimited e-consultation does not replace emergency care or hospitalisation. Any prescriptions are issued based on the doctor’s professional judgement.

Things to Consider While Choosing Unlimited E-Consultation

Before selecting a plan with unlimited e-consultation, it’s important to evaluate the availability of qualified general physicians, the consultation mode, and user-friendly access, as making the right choice ensures timely healthcare support.

• Type of doctor available: Unlimited e-consultations typically allow you to consult network general physicians through the mobile app. Frequent specialist consultations may require an optional OPD plan with visit limits.
• Physical examination: Certain health conditions need a physical examination, meaning a physical visit may be needed after an e-consultation.
• Mode of consultation: Doctors can be consulted via audio, video, or in-app chat on the mobile app. Users should be familiar with these digital tools.
• Scope of coverage: Ideal for everyday health concerns, routine advice, follow-ups, and managing chronic conditions. For urgent or emergency situations, immediate in-person treatment is recommended.
• Prescriptions and documentation: During an e-consultation, the consulting doctor issues a signed e-prescription and maintains records to ensure safe, continuous care. Certain restricted medicines cannot be given through telemedicine consultations.
• Plan specifics: The benefit is available in selected plans like Care Supreme, Care Advantage, Ultimate Care, Care Plus, and Care Classic. Always review the policy documents to understand the exact terms and coverage, as coverage can vary by plan and sum insured.
• Confidentiality: The service adheres to medical ethics and keeps all patient information confidential.
• Exclusions: Please note that e-consultations do not cover treatment for self-inflicted injuries, cosmetic procedures, substance abuse, or conditions with waiting periods.

How to Buy Health Insurance with Unlimited E-Consultation Online

Purchasing a health insurance plan with Unlimited E-Consultation is designed to make your experience more convenient. Follow the following steps to begin:

• Get a Quote: Visit our official website. On the quote page, review the SI, coverage options, and confirm the Unlimited E-Consultations are included, then click Buy Now to continue.
• Enter Proposer Details: Enter your personal information on the next page, then click Next.
• Provide Insured Member Details: Provide complete information for each insured member, along with their medical history.
• Payment & Confirmation: At the end, complete your purchase by paying online. Your policy documents include the details of the Unlimited E-Consultation feature, and will be delivered to your registered email ID and mobile number.

Note: Access to Unlimited E-Consultations begins after policy issuance, subject to the applicable policy conditions.

Tips to Maximise the Benefits of Unlimited E-Consultations

Unlimited e-consultations provide round-the-clock access to doctors, helping to minimise travel, time off work, and total healthcare expenses. To maximise these services:

• Prepare in advance: Make a list of symptoms and questions, and gather your medical records, medications, and recent test results. Select a quiet, well-lit area and verify that your device and internet connection are reliable.
• During the consultation: Be clear and concise by taking notes, requesting clarification, and repeating instructions to confirm understanding.
• Leverage the “Unlimited” Feature: Utilise for preventive care, managing chronic conditions, mental health support, and routine check-ups. Early intervention helps stop problems from escalating.
• Avoid common pitfalls: Do not cover multiple family members or unrelated issues in a single session; minimise distractions; and refrain from overusing the service for minor matters.
• Best practices: Maintain continuity by sticking with the same doctor, utilise follow-up options, and incorporate e-consultations alongside in-person care when necessary.