Q1. Who can enrol in Platina Health?

Any Indian citizen, resident or NRI, aged 18 or above. The maximum entry age is 60 — your last completed birthday must be your 60th, so you can join right up to the day before you turn 61. Once you are in, the programme continues for life and does not stop at any age.

Q2. Who can I cover on a family plan?

A family plan covers up to four members: two adults and two children. A child can join, and stay on the policy, up to 21 years of age. If you have more than two children, you would take a second policy, each with at least one adult. Parents can be covered too, provided they join before their 61st birthday.

Q3. Do I need to already have health insurance to buy Platina Health?

No. A base policy is not mandatory. Platina Health works alongside an employer policy, a personal policy or a government scheme — and equally on its own. If you have no cover, you would meet the first ₹10 lakh of claims in a year yourself, or add a ₹10 lakh policy later.

Q1. I have a pre-existing condition. Will I be rejected?

Diabetes, high blood pressure and high cholesterol are all acceptable — provided you are not on insulin and the condition has not led to complications. What the declaration does exclude is any other mental or physical impairment, deformity or disease. There is no pre-policy medical check; enrolment is on a good health declaration. Please read it minutely. Declare honestly, to make sure you have the best claims experience.

Q2. How long is the waiting period for a pre-existing condition?

One year if you are between 18 and 50 when you join, and two years if you are between 51 and 60. The period is set by your age band, not by the condition itself, and it cannot be reduced or waived. The only variable in your control is joining earlier.

Q3. What is not covered?

Cosmetic and experimental procedures, injuries arising from illegal activity, consumables and other items marked non-payable on a hospital bill, and preventive treatment unless specifically listed. Vaccination costs are not covered by the insurance, though members receive a discount on vaccinations. An exclusion is permanent; a waiting period is temporary and expires. The complete list is in the policy wording.

Q1. What does the ₹2 crore cover actually give me?

Up to ₹2 crore of hospital cover, shared across your whole family in a policy year. It begins once claims in that year reach ₹10 lakh, met by any existing policy or by you. After that it is cashless at more than 13,000 hospitals across India, with a single private room and no ICU limit, and the cover recharges in full for a future hospitalisation. Every insured adult also carries ₹50 lakh of accidental death cover.

Q2. What is included in the everyday health benefit?

Unlimited consultations with Apollo general physicians, 24×7 on Apollo 24|7 app, with a doctor promised within 15 minutes. Ten specialist consultations a year for your family, arranged on your doctor's referral. The maximum discount available on the platform on medicines, diagnostics and wellness products. An annual health check, curated health packages with home sample collection, and all your records in one place. There is nothing to claim — the benefit applies when you use it.

Q3. What is Platina Care?

Platina Care is our hospitalisation support team, included in every membership. They coordinate the emergency, the admission, the paperwork, the claim, daily updates to your family and the discharge. At around 300 major hospitals across India they are physically present with you. And they work for every hospitalisation — including claims on your base policy, whether or not your Platina Health cover is in use. Ambulance and homecare are paid services, arranged only with your consent.

Q1. Someone in my family needs to be hospitalised. What do I do first?

Call Platina Care before anything else. Tell us who the patient is and what has happened — that is all we need. We arrange ambulance and emergency doctor support if required, help you find the right hospital, bed and doctor, support the admission, start the claim and manage the paperwork. Calling before admission is what lets us arrange cashless in advance.

Q2. How do I use my everyday benefits?

Everything sits inside the Apollo 24|7 app. Tap Doctor Consult to reach an Apollo GP within 15 minutes. If they feel you need a specialist, they will recommend one and arrange the appointment. Order medicines or book a test on the app or at any Apollo Pharmacy — your savings apply automatically, with nothing to claim. Curated health packages sit in the Platina Health section.

Q3. How do you know when my ₹10 lakh has been used up?

Tell Platina Care about every hospitalisation, however small. We track what your base policy has used across the whole family, so when a bill crosses ₹10 lakh the switch to cashless simply happens and you do nothing. If you were not able to call us, keep every bill — original or attested by the hospital — and send them to us afterwards so we can claim it back for you.

Q1. What does Platina Health cost?

₹5,999 a year for a family of four and ₹3,999 a year for an individual, for ages 18 to 50, inclusive of tax. Where the eldest member is between 51 and 60, add ₹2,000. The age band is set by the eldest member on the plan. There is one variant — no add-ons, no riders and nothing to compare.

Q2. Does my premium change if a member comes off the policy?

No. The premium follows the plan variant you have taken — individual or family — and the age of the eldest member. It is not calculated per head, so removing a member does not reduce it. Any change to who is on the policy is made at renewal, through an endorsement request.

Q3. Are there any other charges, and do I get anything if I never claim?

There is no hidden fee structure and no cost beyond the annual premium. If you go five consecutive years without a claim, your sixth-year renewal is complimentary. You also have a one-month free-look period after purchase, during which you can change the policy or cancel it for a full refund, and a 90-day window from your renewal date to pay.