All FAQs

What is Even?

Even is a healthcare provider that offers managed care plans to its members, with an additional option to enrol for a group insurance cover with its IRDAI-licensed insurance partners. Members can access hospitalisation cover as well as unlimited consultations with Even doctors, free diagnostics and preventive health initiatives under our managed care programme.

Is Even classified as insurance?

No, Even is a healthcare provider that actively works with its members to keep them healthy. Our team of experienced doctors understands unique health profiles and helps members detect chronic lifestyle diseases to prevent and/or manage long-term consequences. This way, we ensure our members live an active and illness-free life and avoid hospital visits when things have taken a turn for the worse.We also work with IRDAI-licensed insurance partners to provide IPD cover, so our members don't have to pay out of pocket for hospitalisations either.

How is Even different from insurance?

While insurance kicks in when someone needs the hospital, Even actively works with its members to keep them healthy to reduce their chances of hospitalisation.Even offers healthcare services beyond insurance. Our doctors and specialists (nutritionists, psychologists, physiotherapists, etc.) understand your unique health profile and family medical history to design specialised programs for you.Even doctors follow up with you routinely and advise tests to detect health issues and measure progress at appropriate intervals.Doing this keeps our members healthy, but also avoids high claims to a certain extent. The healthier our members are, the less they need the hospital and insurance services.In cases where our members do need hospitalisation, we partner with IRDAI-licensed insurers that offer cashless hospitalisation, so our members don't have to pay out of pocket.

Is Covid-19 covered?

Yes! You get consultations with Even doctors and tests prescribed by your Even doctor to treat your condition. You also get Covid-19 cover with our insurance partner as part of your Even Plus plan.

Does Even cover tests/diagnostics?

Yes! Diagnostics are covered in your Even plan. Please bear in mind though that this refers to all diagnostics that the Even doctor says you need. We trust the doctors to decide what diagnostic treatment is most relevant to you.

Does Even cover tests/diagnostics?

For cashless consultations and tests, your care team will recommend the nearest preferred facility. Your hospitalisation too is cashless within our insurance partner's hospital network subject to insurer's T&Cs.

What hospitals are included in Even?

Please reach out to us and we'll share all the cashless facilities in your city.

What hospital beds will be included in Even's plan?

Your plan offers you a single occupancy AC room (base level). It is worth making clear though that we cannot reserve beds. By that, we mean beds are only available if they are not at full capacity at the time.

Does Even have company plans?

While our standard pricing is for individuals, we also offer competitive quotes depending on the number of employees it is taken for. Please contact us at teams@even.in or 080 47495555 if you would like to find out more.

Does Even have family plans?

Yes! You can get family plans (commonly known as family floaters) up to ₹1 crore under a group insurance cover with our insurance partners.

Do I get tax rebates if I purchase Even?

Yes! You can claim a rebate for the insurance component of your Even plan. We will share a Certificate of Insurance issued by our insurance partner, so you can claim part of your membership fee towards this rebate.

Can I become a member if I have a pre-existing condition?

Yes! You can apply for an Even membership if you have pre-existing conditions. But a successful membership in this case is subject to review by our underwriting team.

Is a medical check-up necessary before getting an Even membership?

You will be requested to create your health profile in the form of a medical questionnaire while applying for an Even membership. This profile completion is essential for us to validate your membership and offer you the care you need once you become a member.

In some cases, we do require further investigations through a call or necessary tests before you can become a member. This is so that we can determine whether or not we can onboard you as an Even member.

Any form of non-disclosure in the medical questionnaire or consultations with our doctors will lead to the termination of your membership. So share information faithfully. We will guide you with anything you need during your onboarding process.

Is Even trustworthy/reliable?

We may look like new kids on the block but we have a highly experienced team working to fix healthcare issues in India.

Our wonderful Chief Financial Officer was the founding member of Reliance Health insurance. She is a council member of the Institute of Actuaries of India and has 7+ years of executive experience in the health insurance industry. If anyone knows about health insurance, it's her.

Our Chief of Healthcare Operations has 6+ years of experience working at Narayana Health as Supply Chain, Medical Services and Analytics and has extensive knowledge of healthcare delivery experience.

Our clinical team consists of India's best doctors with a collective experience of 87+ years.

Our Medical Director is the ex-VP of Columbia Asia hospitals for 10+ years. Our senior Even doctors have held high positions at Apollo, Max Healthcare, Sakra, and Motherhood hospitals.

Some of the world's biggest investors have put their faith and money in us. We have also been covered extensively in the Press. Please check our 'Even in the Press' section on the home page.

Is mental healthcare covered?

Yes, Even regards mental health as important as physical well-being. All our members have access to our in-house team of psychologists.

Is Ayurveda/Homeopathy coverage available?

Yes, we do cover AYUSH treatment.

Is cancer treatment covered?

If you develop cancer while you are with us, your treatment will be covered up to your sum insured. Unfortunately, pre-existing cases of cancer are not currently covered.

Will Even cover ambulance costs?

Yes, ambulance costs up to ₹5,000 per hospitalisation are covered. If you choose our ambulance partners, the service will be cashless. If you choose any other ambulance, you can claim reimbursement.

Can I start using Even from Day 1?

You can talk to an Even doctor, external specialists, and get Even-prescribed tests from Day 1 of your active membership. For certain specific conditions, we have the shortest waiting period of 1 year. OPD and IPD waiting period for pre-existing conditions may range from 0 to 3 years. This is standard across all insurance plans in the market.

What is the maximum age for joining?

We can offer Even to people between the ages of 1 month and 65 years (inclusive).

How do I use the Even app for doctor consultations and tests?

Talk to us Book a quick tele-consultation with our in-house doctors on the Even app any time you need us.
We will unlock the payment scanner If the Even doctors recommend a specialist consultation or a test, we will unlock the Even payment scanner for you to use at the recommended facility. Wherever possible, we will arrange a home sample collection for you for prescribed tests.
We will pay your bill When it's time to pay, scan the merchant UPI code using the Even app. Enter the amount, and we'll pay for it then and there.
Share your docs Upload bills, doctor notes, prescriptions, etc on the Even app to reactivate it for the next use.

How do I use Even in an emergency?

The first priority is to get yourself to safety. Please reach any hospital closest to you.

If you think you need an ambulance, you can call our ambulance partner 1800 121 3882. They will verify the caller with an OTP and a road ambulance will be on its way. You can also call any other ambulance and we will reimburse you as per our insurer's T&Cs.

When you can, call us on 080 47495555 (within 24 hours). We will help you with the paperwork so we can initiate reimbursements for you with our insurance partner.

How do I use Even for surgeries?

We have partnered with Magma, our IRDAI-licensed insurance partner to make hospitalisation cashless and worry-free for you.
Step 1 Give us a call on 080 4749 5555 and we will guide you through the hospitalisation process to make sure your experience is as smooth as possible.
Step 2 Submit your Magma policy number along with doctor notes, reports, etc at the TPA desk of the cashless hospital within the network.
Step 3 You're in safe hands. Focus on feeling better. We'll take care of everything else.

What happens if I cannot use a hospital within the insurer's network in an emergency?

Your first priority in an emergency should be to reach the closest hospital. Go to the nearest hospital that you can and contact us at 080 4749 5555 (ideally within 24 hours).

We will guide you with all the paperwork and initiate reimbursement within 24 hours of getting all bills and proofs subject to insurance policy T&Cs.

How can I cancel my plan? Will I get a refund if I cancel?

You can cancel your Even membership and our insurance partner's group policy at any time. If you would like to cancel your Even membership within 15 days of receiving your certificate of insurance, you will be eligible for a full refund (provided you or any family member have not claimed or used our services).

If you or any family member have never used any Even service (in your Care, Lite, or Plus plan), we will refund you the amount on a pro-rata basis based on the table below.

If you or any family member have used only OPD, we will refund you the IPD part of your plan on a pro-rata basis based on the table below. If you or any family member have used only IPD, we will refund you the OPD part of your plan on a pro-rata basis based on the table below.
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Refunds for Even Care are only applicable (and pro-rata as per the table) if no Even or group insurance services have been used.

What is Even Care?

We founded Even not just to pay your hospital bills but to work with you to keep you healthy and out of hospitals. So we created Even Care to bring back the personalised and detailed attention family doctors offer to their long-time patients.

When you become a member, we assign you a personal care team. You have 24x7 access to highly qualified and experienced doctors and specialists like nutritionists, physiotherapists, psychologists etc. Whether you just have the flu or something you think could be severe, you can send a text to us, and your care team will guide you every step of the way.

Why do I need to speak to your doctor first?

It is our mission and our business model to keep you healthy and out of hospitals as much as possible. To be able to make such a tall claim, we have to make sure that we can map your entire health journey and medically intervene when necessary.

Our doctors are some of the most experienced general medicine practitioners and internal medicine specialists in India. They will understand all your OPD and IPD requirements so you are armed with the knowledge even before you step into a hospital or clinic for further specialist investigations.

In case you are unwell and unable to step outside, our doctors can do a quick tele-consultation and we can arrange a lab to run appropriate tests at home, which we will happily pay for.

What if Even recommends me fewer tests than I actually need?

We founded Even because we were disappointed with the traditional healthcare model that disincentivizes primary care and relies heavily on just hospitalisation when things take a turn for the worse.

We want to keep members healthy and out of hospitals, so, no, we will never cut corners on testing. If our doctors recommend multiple tests to diagnose your condition, we will happily pay for them.

What phone model and permissions do I need for using the app?

We support a very large range of Android and iOS devices. If our app does not work on your device, please get in touch with us at hello@even.in.

Is my Even membership portable to other insurances?

Yes, you can port the insurance bit of the Even plan to an insurance plan of your choice governed by the underwriting policy of the company you choose. The portability guidelines of IRDAI will hold valid here. We will assign you a special team when you want to port out of Even to help you understand what you stand to lose or gain while porting.

What constitutes an emergency?

A medical emergency is an illness or injury requiring immediate medical care by a medical practitioner to prevent death or serious long-term impairment.

In the simplest terms, an emergency is when you end up in a hospital for something completely unforeseen and unplanned. You have to call an ambulance or if you manage to reach the hospital on your own, the staff has to take you to the emergency section of the hospital because you need immediate medical attention. Examples: a heart attack, a broken arm, a road accident, etc.

Please remember, if you have a minor but pressing discomfort and want to speak to a doctor, you can always talk to us and our doctor can evaluate and suggest the best course of treatment.

With Even, you're covered for any kind of emergency across India. Call us on 080 47495555 as soon as you can if you need us in an emergency

What if the doctor or lab I use does not accept UPI?

If for any reason, you have to pay out of pocket for a prescribed test or consultation that is covered and approved in your plan, please reach out to us and we will reimburse you.

What if there is no Even doctor available when I need a consultation?

You will have 24x7 access to a doctor, so you never have to worry about that. If you want to talk to a specific doctor and if for any reason, they are not available immediately, we will either set up a call when they are available next or transfer your call to an Even doctor available at that moment. In any case, you will always be able to speak to a doctor. 🙂

Do you cover accidents abroad?

At the moment only hospital visits in India are covered. International accidents are currently not covered.

Will Even record my consultation?

As per Telemedicine guidelines governed by the Ministry of Health and Family welfare(MoHFW), every interaction between the patient and the Doctor has to be recorded and preserved, and should be retrievable as needed by both patient/Doctor.

Medical Council of India (MCI) mandates that medical records be maintained for at least 3 years and produced upon your (patient) request..

Where will you keep it, for how long, who all will have access to it?

It is stored in India by our cloud platform provider (Google cloud), which applies the strictest cybersecurity and cryptographical standards. According to Indian law we are required to store medical records for a minimum of 3 years. Only selected members of the Even team (in-house healthcare providers and care managers) can access your data.

Will you share it with any third party, how will I know?

We will not share your data with any unauthorized third party. The only entities which may receive partial access to your data are our insurance partner and the treating healthcare providers (as well as any government institution which may lawfully require us to grant access to the data).

Can I get my data?

You can access your data through the Even app and we will always be transparent about your medical records with us.

Can my data be hacked?

Your data is safe with us. It is stored securely on the cloud behind strong cryptographic encryption and multi-factor authentication. We operate according to the highest standards of security.

TAT for issuance of policy

Once the payment has been made & all the requisite documents have been shared then we take 8-12 days to issue the policy to the customer.

TAT for issuing refund

Once the refund gets confirmed then it will take 3-5 working days.

When does my Even Policy start - Date of Payment or Date of Onboarding as a member?

It starts from the date of onboarding as a member.

When will the Distribution Fee be paid to partners?

A partner becomes eligible for “Distribution Fee” on expiry of the free look-up period (15 days from the date of payment). The same will be paid within 48hrs.

Can we accept payment in cash/cheques?

Yes.
Cash Agent can collect premium amount in cash however they need to deposit it online
Cheque Agents can collect the cheque & deposit the same in our Bank account.