It looks innovative and supposedly solves most of the pains of a health insurance policy.

Currently it is live only in Bengaluru and is tied up with only 3 hospital chains (Fortis, Narayana Health & Aster). So, cannot really compare it with a traditional health insurance policy.

It only covers consultations & diagnostics charges for OPD which is good considering the rising costs for these. But "Your pharmacy bills or spectacles in outpatient." will not be covered.

There is a mandatory pre-acceptance medical tests for all ages. Even membership is only granted if you are fully vaccinated (for Covid) and pass our health checks. People with chronic PEDs will not get the membership.

So, as of now, Even membership is like an add-on to your health insurance policy but it cannot replace it.

It would have been better if OPD prescribed medications are also covered. Now Doctors consultation and Diagnostics are only covered. This would have made it similar to CGHS. Of course, the same should be factored into the contribution amount.

Can never replace insurance. This model cannot be sustainable in long term with low prices as they charge now keeping in mind the rising medical inflation. Also one cannot take the risk of just letting go the insurance covers and going for this scheme as if ever the company stops to exist all policyholders will be in a soup if struck by any ped etc.In order to sustain probably the costs will also reach a level when insurance will appear to be cheaper . As they have started with a healthier population now things are obviously favorable but in long term that might not be the case. Insurance companies are regulated which is another benefit for all customers.