Dependent spouse, children or parents <\/td> 3 months to 65 years <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\nDependents such as a child or parent can also be added to certain benefits, usually with an upper age limit of around 30 years for specific facilities like Preventive Health Counselling. It is worth checking individual benefit terms before assuming full family coverage. <\/p>\n\n\n\n
<\/span>Core Benefits You Should Know About<\/strong> <\/span><\/h2>\n\n\n\nThe real value of a wellness plan lies in the range of services bundled into it. Here is a breakdown of what members typically receive. <\/p>\n\n\n\n
\nTeleconsultation:<\/strong>\u00a0Members get instant video or online consultations with a large network of doctors across multiple specialties, right from home. Digital summaries are shared via WhatsApp or the Bajaj\u00a0Finserv\u00a0Health app, and the number of sessions available depends on the plan variant chosen. A waiting period of\u00a030 days\u00a0usually applies before this benefit becomes active.\u00a0<\/li>\n<\/ul>\n\n\n\n\nPreventive Health Counselling:<\/strong>\u00a0A free session with a certified doctor through the app offers personalized health guidance, lifestyle tips, and general medical clarifications. This is meant to encourage proactive wellness and early detection of potential issues rather than reactive treatment.\u00a0<\/li>\n<\/ul>\n\n\n\n\nPreventive Health\u00a0Checkup\u00a0Voucher:\u00a0<\/strong>Available on the\u00a0higher-tier\u00a0plans, this benefit gives members a voucher covering 47 plus essential tests, including a complete hemogram, liver function, thyroid, diabetes, renal, lipid profile, and urine routine tests. Members can book a home collection or visit a network lab through the app.\u00a0<\/li>\n<\/ul>\n\n\n\n\nOPD Wallets and Discounts:<\/strong>\u00a0An\u00a0OPD wallet allows cashless service at network clinics or reimbursement at non network providers. Even members without a wallet benefit can enjoy a flat 10 percent discount on OPD visits from day one, with no waiting period.\u00a0<\/li>\n<\/ul>\n\n\n\n\nPrescribed Lab and Radiology Wallets and Discounts:<\/strong>\u00a0This covers prescribed diagnostics such as blood tests, X rays, and scans at network labs, along with a 10 percent discount available to all plan holders from\u00a0inception.\u00a0<\/li>\n<\/ul>\n\n\n\n\nDiet and Nutrition Consultancy:<\/strong>\u00a0Members on higher tier plans get complimentary sessions with certified dieticians for guidance on eating habits and weight management, while all members receive a discount on consultations through the network.\u00a0<\/li>\n<\/ul>\n\n\n\n\nPharmacy Discount:<\/strong>\u00a0A flat discount, typically 10 percent on the Classic and Premier plans and 12 percent on the Supreme plan,\u00a0applies\u00a0prescribed medicines at partner pharmacies, with no waiting period.\u00a0<\/li>\n<\/ul>\n\n\n\n\nEmotional Wellness Consultancy:<\/strong>\u00a0Sessions with certified psychologists are available for mental health support, accessible through plan vouchers, usually after a\u00a030-day\u00a0waiting period.\u00a0<\/li>\n<\/ul>\n\n\n\n\nEducational Health Content:<\/strong>\u00a0Members also get ongoing access to curated articles, expert tips, and webinars on fitness, nutrition, and preventive care, reviewed by certified professionals, with no waiting period.\u00a0<\/li>\n<\/ul>\n\n\n\n<\/span>Comparing the Plans<\/strong> <\/span><\/h2>\n\n\n\nMost wellness plans, including Fataksecure, come in tiered variants so you can choose coverage that fits your needs and budget. Here is a simplified comparison based on the three common tiers. <\/p>\n\n\n\nBenefit<\/strong> <\/td>Classic (\u20b999 + GST)<\/strong> <\/td>Premier (\u20b9399 + GST)<\/strong> <\/td>Supreme (\u20b9799 + GST)<\/strong> <\/td><\/tr>Total benefit value <\/td> \u20b96,500 <\/td> \u20b914,500 <\/td> \u20b928,500 <\/td><\/tr> Doctor teleconsultations <\/td> 9 <\/td> 24 <\/td> 36 <\/td><\/tr> Preventive health checkup <\/td> NIL <\/td> 47 plus tests <\/td> 47 plus tests <\/td><\/tr> Prescribed lab and radiology wallet <\/td> NIL <\/td> NIL <\/td> \u20b91000 at 30 percent co pay <\/td><\/tr> OPD consultation wallet <\/td> NIL <\/td> \u20b9500 <\/td> \u20b91000 at 30 percent co pay <\/td><\/tr> OPD consultation discount <\/td> 10 percent <\/td> 10 percent <\/td> 10 percent <\/td><\/tr> Pharmacy discount <\/td> 10 percent <\/td> 10 percent <\/td> 12 percent <\/td><\/tr> Preventive health counselling <\/td> 1 voucher <\/td> 1 voucher <\/td> 1 voucher <\/td><\/tr> Emotional wellness consultations <\/td> 10 percent discount <\/td> 10 percent discount <\/td> 6 sessions <\/td><\/tr> Diet and nutrition consultations <\/td> 10 percent discount <\/td> 6 sessions <\/td> 6 sessions <\/td><\/tr> Members covered <\/td> 2 <\/td> 2 <\/td> 2 <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\nThe Classic plan suits individuals who mainly want discounts on consultations and pharmacy purchases. The Premier plan adds a preventive checkup voucher and an OPD wallet, making it suitable for families who visit doctors more regularly. The Supreme plan is positioned as the most complete option, adding a lab and radiology wallet along with more emotional wellness and nutrition sessions. <\/p>\n\n\n\n
<\/span>How to Access Your Benefits<\/strong> <\/span><\/h2>\n\n\n\nUsing the plan is designed to be fully digital. Here is the general process: <\/p>\n\n\n\n
\nDownload the Bajaj Finserv Health app and sign up using your registered mobile number.\u00a0<\/li>\n<\/ol>\n\n\n\n\nGo to the Active Plans section and select your purchased plan along with the specific benefit you want to use.\u00a0<\/li>\n<\/ol>\n\n\n\n\nBook your consultation, lab test, voucher redemption, or discount directly through the app.\u00a0<\/li>\n<\/ol>\n\n\n\n\nRefer to the Welcome Kit shared at the time of purchase for detailed terms on each benefit.\u00a0<\/li>\n<\/ol>\n\n\n\nClaims and benefit usage can happen in cashless mode at partner network providers, or through easy reimbursement if you use a non-network facility. <\/p>\n\n\n\n
Choosing the right wellness plan comes down to understanding how often you and your family use OPD services such as consultations, tests, and medicines throughout the year. If you visit doctors occasionally and mainly want discounts, a basic plan may be enough. If your household relies on regular checkups, lab tests, and specialist visits, investing in a higher tier plan with wallets and vouchers can genuinely reduce your out-of-pocket spending. A wellness plan is not a replacement for hospitalization insurance, but paired together, the two ensure that both your everyday health needs and unexpected medical emergencies are financially covered, letting you focus on staying healthy rather than worrying about the cost of doing so. <\/p>\n\n\n\n