Apollo Clinic
4.7 · General physician, Paediatrics
Cashless OPD cover for the doctor bills your health insurance skips
Doctor visits, medicines and lab tests, paid from one prepaid wallet at 4,000+ partner clinics, labs and pharmacies. No medical tests. No waiting period. From ₹833 a month.
Works alongside your existing health insurance. Nothing to switch.
Covered from day one
No medical tests
100% cashless at partners
15-day full refund if unused
Cashless partners near you
Book in the prime.care app and pay nothing at the counter.
Redcliffe Labs
4.6 · Blood tests, Home collection
Dental clinics
Eye care centres
Your health insurance covers the hospital. Who covers the doctor?
Most health insurance in India, including company mediclaim, pays only when you're admitted to hospital. Fever check-ups, blood tests, monthly medicines, and your child's vaccines usually come out of your own pocket. Across India, households pay for nearly half of all health spending directly.¹ prime.care covers that everyday part.
A specialist visit- A full blood panel
- A month of BP or thyroid medicines
National Health Accounts Estimates for India, 2022-23
How prime.care works
Pick a plan
For yourself, your family (up to 4) or your family with parents (up to 6).
Add your details and pay
A few details for each member, then pay. No medical test, no waiting period.
Start booking in seconds
Your OPD wallet is live as soon as you pay. Book visits, tests and medicines in the app.
What your OPD wallet covers
One wallet for everyday care, cashless at 4,000+ partner locations.
Doctor consultations
General physicians and specialists, in-clinic
24/7 teleconsultation
Unlimited GP consultations by phone or video, any time
Medicines
Prescribed medicines at partner pharmacies, with delivery
Diagnostics
Blood tests, scans and home sample collection
Annual health check-up
Included in every plan
Vaccinations
For kids and adults
Dental and eye care
Check-ups, cleaning, fillings, eye tests and glasses
See full coverage
Every benefit and limit, plan by plan
OPD insurance vs prime.care OPD cover: what's the difference?
If you searched for OPD insurance, you're probably looking at an OPD add-on from a health insurer. Here's how a cashless OPD wallet compares.
| Parameter | OPD add-on from an insurer | prime.care OPD cover |
|---|---|---|
| How you pay | Often pay first, then claim it back | Cashless: book in the app, your wallet pays |
| Waiting period | Varies by insurer | None. Active in seconds |
| Medical tests | May be needed, depending on age and insurer | None |
| Can you buy it on its own? | Usually only with a health insurance policy | Yes, it's standalone |
| Paperwork | Bills, prescriptions and claim forms | None at partner counters |
| Hospital stays | Covered by the base policy | Not covered. Keep your health insurance for this |
prime.care doesn't replace health insurance. It covers the everyday care that health insurance usually leaves out.
See the full comparisonWho prime.care is for
One wallet, shared by everyone on your plan.
Salaried employees (from ₹833/month)
Your company mediclaim covers hospital stays, not doctor visits. Add prime.care for OPD and keep your company cover exactly as it is.
Freelancers and gig workers (from ₹833/month)
No employer cover? Get your doctor visits, medicines and tests covered on your own terms, without a medical test.
Young families (from ₹1,764/month)
Paediatrician visits, vaccines and check-ups from one shared wallet for you, your partner and up to 2 kids.
Families with parents (from ₹2,125/month)
Add your parents and cover up to 6 people. Their regular consults and medicines come out of the same wallet.
Anyone with a routine condition
Thyroid, BP or diabetes? Monthly consults and medicines add up. A yearly wallet keeps the cost predictable.
First-time buyers
No medical test, no complicated forms, and a full refund within 15 days if you haven't used it.
Care for Every Stage of Life
One shared OPD wallet for everyone on your card.
Find your plan in 30 seconds
Answer three questions, and we'll suggest the plan that fits.
Who needs cover?
Just you, your partner and kids, or your parents too.
What care do you use most?
Doctor visits, monthly medicines, lab tests, or all three.
How much do you spend on health in a year?
Plans start at ₹833 a month.
OPD cover plans and prices
Pick a wallet size. Everyone on your plan shares it. All prices include GST.
Bronze
₹833/ month
₹10,000 / year · ₹20,000 OPD wallet
Not available for Family cover
Not available for Extended family cover
- Doctor visits up to ₹5,000 a year
- Medicines up to ₹7,500
- Diagnostics up to ₹7,500
- Dental ₹1,000 · Eye care ₹2,000
- 6 specialist teleconsults
Silver
₹1,424/ month
₹17,085 / year · ₹30,000 OPD wallet
₹1,764/ month
₹21,165 / year · ₹30,000 OPD wallet
₹2,125/ month
₹25,500 / year · ₹30,000 OPD wallet
- Spend the full ₹30,000 on any care
- Unlimited specialist teleconsults
- Doctor consultations
- Medicines
- Diagnostics
- Annual health check-up
Gold
₹1,787/ month
₹21,440 / year · ₹40,000 OPD wallet
₹2,213/ month
₹26,560 / year · ₹40,000 OPD wallet
₹2,667/ month
₹32,000 / year · ₹40,000 OPD wallet
- Spend the full ₹40,000 on any care
- Unlimited specialist teleconsults
- Doctor consultations
- Medicines
- Diagnostics
- Annual health check-up
Platinum
Most popular₹2,094/ month
₹25,125 / year · ₹50,000 OPD wallet
₹2,594/ month
₹31,125 / year · ₹50,000 OPD wallet
₹3,125/ month
₹37,500 / year · ₹50,000 OPD wallet
- Spend the full ₹50,000 on any care
- Unlimited specialist teleconsults
- Doctor consultations
- Medicines
- Diagnostics
- Annual health check-up
Advanced
₹2,931/ month
₹35,175 / year · ₹75,000 OPD wallet
₹3,631/ month
₹43,575 / year · ₹75,000 OPD wallet
₹4,375/ month
₹52,500 / year · ₹75,000 OPD wallet
- Spend the full ₹75,000 on any care
- Unlimited specialist teleconsults
- Doctor consultations
- Medicines
- Diagnostics
- Annual health check-up
Your wallet is worth more than you pay. On Bronze, you pay ₹10,000 a year and get ₹20,000 to spend on care at partners. Each wallet payment can be up to ₹2,000.
Cashless at 4,000+ clinics, labs and pharmacies
prime.care works across partner networks, so your wallet works at clinics, labs, pharmacies and hospital OPDs, including:
- Pay nothing at the counter
- Book in the prime.care app
Brand names and logos belong to their owners and show where you can use your prime.care wallet.
The prime.care promise
Covered from day one
Your wallet is ready seconds after you pay, so you can book straight away.
No claims, no paperwork
Book in the app and your wallet pays. Nothing to submit, nothing to wait for.
15-day full refund
Not for you? If you haven't used your wallet, we refund everything within 15 days.
24x7 doctor helpline
Talk to a GP by phone or video any time, day or night, on every plan.
Who runs prime.care
prime.care is run by ZAP Private Limited. We started prime.care because most Indians pay out of pocket for everyday care, even with health insurance. Our goal is simple: affordable, accessible primary care for millions of Indians.
Meet the teamFrequently asked questions
prime.care is a cashless OPD cover plan for India. You get a prepaid yearly wallet for doctor consultations, medicines, diagnostic tests, an annual health check-up and vaccinations, and you book and pay at 4,000+ partner clinics, labs and pharmacies through the prime.care app. Plans start at ₹833 a month.
No. prime.care is a prepaid OPD wallet, not an insurance product. That's why there are no claims, no medical tests and no waiting period. If you're looking for OPD insurance to cover doctor visits and medicines, prime.care does that and works alongside any health insurance you already have.
Most health insurance and company mediclaim policies in India cover only hospital stays. You can add a standalone OPD plan like prime.care to cover doctor visits, medicines and tests, without changing or replacing your existing policy.
Yes. Salaried employees can buy prime.care themselves, for just themselves or their whole family. It covers the OPD costs your company cover usually skips, and you keep your company cover exactly as it is.
Yes. Order from partner pharmacies in the prime.care app and the bill is paid straight from your wallet. You don't pay upfront and don't have to chase reimbursement.
The prime.care app works like a cashless OPD wallet. Book your visit, test or medicines at any partner clinic, lab or pharmacy in the app, and the amount is paid from your wallet. Each payment can be up to ₹2,000.
No to both. There's no medical test and no underwriting. Your wallet is active seconds after you pay.
Every plan covers diagnostic tests such as blood tests and scans, with home sample collection at some partners, and includes an annual health check-up. Dental check-ups, cleaning, and fillings are available at partner dental clinics.
Yes. Every plan includes unlimited GP teleconsultation by phone or video, 24 hours a day, 7 days a week.
The Family plan covers you, your spouse and up to 2 children (up to 4 people). The Family + parents plan covers up to 6 people. Everyone shares one wallet.
Yes. If you cancel within 15 days and haven't used your wallet, you get a full refund. After 15 days, you can cancel yearly plans and get a refund for unused months, minus any wallet amount already used.
Plans start at ₹833 a month (₹10,000 a year, including GST) for one person with a ₹20,000 OPD wallet. Family plans start at ₹1,764 a month, and plans with parents start at ₹2,125 a month.
Stop paying for doctor visits out of pocket
Plans from ₹833 a month. Covered from the day you join. Full refund within 15 days if you haven't used it.
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