Commonly Asked Questions

GetAFixMD partners with General Insurance companies to offer insurance as part of its subscription package, which includes Base Insurance, Super Top Up, Critical Illness Care, Hospicash, and Personal Accident Insurance. These services are exclusively available to GetAFixMD subscribers.

GetAFixMD is open to everyone, but certain complimentary products like insurance may have age restrictions up to 65 years. However, subscribers outside this age range can still access other services provided by GetAFixMD.

To become a subscriber, visit the GetAFixMD website, choose a subscription link, fill in the required details, select a payment option (either upfront or through EMI), and complete the payment process. Following this, you will receive a confirmation, and the onboarding process will commence.

You can cancel your subscription within 7 days from the purchase date. Details regarding the cancellation process can be found in the Terms and Conditions section.

GetAFixMD strictly enforces rules to protect user data and ensure confidentiality. Only healthcare professionals and authorized individuals necessary for providing services are permitted to access relevant data. Patient data is accessible only to the patient and authorized medical practitioners.

GetAFixMD offers free unlimited teleconsultation services with Psychologists and Psychiatrists (available 24/7) and consultations with 16 + other specialty doctors (available from 6 AM to 12 Midnight).

You may suggest your preferred doctor and facility, and we will accommodate those profiles on a best-effort basis, pending thorough due diligence, such as verification of educational qualifications and National Medical Council (NMC) registration status.

Additional services include a focus on middle-aged individuals to enhance balance, agility, and core strength, reducing fall risks and optimizing lifestyle.

Coverage Highlights:
- Pre-existing diseases covered from Day 1
- Waiting periods for specific diseases waived for enhanced coverage
- Ambulance charges covered up to ₹5000 per person
- AYUSH treatments in government-recognized hospitals
- Pre- and post-hospitalization coverage
- Home care treatment for COVID-19
Additional Benefits:
- Free weekly expert sessions on nutrition, lifestyle, and mindfulness
- Free access to health talks by doctors and dieticians
- Webinars on Pilates and ergonomics
- Virtual fitness sessions like yoga and Zumba

Covers all kinds of medical expenses, including hospitalization, medical tests, surgeries, and doctor visits.

Anyone who opts for any GetAFixMD plan.

One should be between the ages of 18-65. The policy can be extended to the dependents as well.

No, medical examination is not required but the onboarding is based on GHD – Good Health Declaration, by the customer.

A medical illness or injury that you have before you start a new health care plan may be considered a pre-existing condition. Conditions like diabetes, chronic obstructive pulmonary disease (COPD), cancer, and sleep apnea, may be examples of pre-existing health conditions.

Submit your policy document to insurance network hospital for cashless claim settlement and to a non net work hospital and the claim can be settled on a reimbursement basis. Please refer to the following link for list of network hospitals - https://magmahealth.magma-hdi.co.in/

Pre-existing conditions covered from Day 1 include:
- Cataract
- Stones in biliary and urinary systems
- Hernia / Hydrocele
- Hysterectomy for any benign disorder
- Lumps / Cysts / Nodules / Polyps / Internal tumors
- Gastric and Duodenal Ulcers
- Surgery on Tonsils / Adenoids
- Osteoarthrosis / Arthritis / Gout / Rheumatism / Spondylosis / Spondylitis / Intervertebral Disc Prolapse
- Fissure / Fistula / Hemorrhoid
- Sinusitis / Deviated Nasal Septum / Tympanoplasty / Chronic Suppurative Otitis Media
- Benign Prostatic Hypertrophy
- Knee / Hip Joint Replacement
- Dilatation and Curettage
- Varicose Veins
- Dysfunctional Uterine Bleeding / Fibroids / Prolapse Uterus / Endometriosis
- Chronic Renal Failure or End-stage Renal Failure
- Internal congenital anomalies / diseases / defects
- HIV, AIDS

After 12 months form the policy inception date.

The following medical conditions are permanently excluded from coverage under the GMC policy:

- All types of Cancers and Tumors
- Chronic Kidney Disease
- Diabetes and Hypertension (when present in the same individual)
- Rheumatoid Arthritis
- All types of Heart Diseases
- Chronic Obstructive Pulmonary Disease (COPD)
- Liver Cirrhosis
- Cerebral Vascular Accident (all related conditions)
- History of Major Cardiac Surgeries
- Multiple Sclerosis

A super top-up health insurance policy reimburses you for medical expenses that exceed the coverage limit of the policy. It only pays for hospitalization costs when the sum insured under your normal health insurance policy has been depleted or you have paid the charges out of pocket up to the deductible.

One should be between the ages of 18-65. The policy can be extended to the dependents as well.

Claims can be processed as cashless if the base policy is issued by the same Insurer else on reimbursement basis.

A super top-up policy gets activated only after the deductible is paid either through a base policy or from your own pockets. Before settling the claims under Super top up plans, insurers first check whether the below threshold limit amount of total claim bills paid from a policyholder or not. They will not bother whether below threshold amount is from the policyholder's own pocket or from his regular health insurance.

Personal Accident insurance or PA insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events.

If you are the only earning member of your family or a single parent, you cannot leave financial planning to mere chance. You have children who are dependent on you for their education and wellbeing. If any misfortune may befall you leading to a loss of income, your child's education should not be affected. The education allowance will be provided to maximum two children up to 25 years of age 2 with a limit of Rs. 10,000/- per child.

One should be between the ages of 18-65. The policy can be extended to the dependents as well. In the case of 2A2C, do both the adults need to be insured separately.

The claim under a personal accident policy can be settled on a reimbursement basis.

1. In the case of a Death claim, submission of the death certificate is mandatory.
2. In the case of a Disability claim, submission of the disability certificate is mandatory.

No, medical examination is not required but the onboarding is based on GHD – Good Health Declaration, by the customer.

Unlike basic hospitalization cover, a hospital cash benefit is a fixed amount paid to the insured for certain number of days during hospitalization. You can use this for personal expenses like food, travel, etc.

24 hours inpatient hospitalization.

INR 3,000 per 24 hours of inpatient hospitalization.

One should be between the ages of 18-65. The policy can be extended to the dependents as well.

The claim can be settled on a reimbursement basis. Discharge summary and medical bills to be submitted to the Insurance company.

No, medical examination is not required but the onboarding is based on GHD – Good Health Declaration, by the customer.

Critical illness insurance provides additional coverage for medical emergencies like heart attacks, strokes, or cancer. Because these emergencies or illnesses often incur greater-than-average medical costs, these policies pay out cash to help cover those overruns when traditional health insurance may fall short.

Survival period of 15 days is mandatory for post diagnosis of the listed critical illness.

The critical illness policy covers the following major conditions:

- Cancer of specified severity
- Kidney failure requiring regular dialysis
- Multiple Sclerosis with persistent symptoms
- Major Organ/Bone Marrow Transplant
- Open Heart Replacement or Repair of Heart Valves
- Open Chest CABG (Coronary Artery Bypass Graft)
- Stroke resulting in permanent symptoms
- Permanent Paralysis of Limbs
- Myocardial Infarction (First Heart Attack of specified severity)
- Coma of specified severity
- Parkinson’s Disease
- Benign Brain Tumor
- Alzheimer’s Disease
- End Stage Liver Failure
- Surgery of Aorta

One should be between the ages of 18-60. The policy can be extended to the dependents as well.

The claim can be settled only on a reimbursement basis post the survival period is surpassed.

No, medical examination is not required but the onboarding is based on GHD – Good Health Declaration, by the customer.

Claim must be filed within 30 days from the date of completion of treatment. However, the Company may at its absolute discretion consider waiver of this Condition in extreme cases of hardship where it is proved to the satisfaction of the Company that under the circumstances in which the insured was placed it was not possible for him or any other person to give such notice or file claim within the prescribed time-limit. The claim would require an additional 10% co-payment over and above payable amount as per policy terms and conditions.

A waiting period of 48 months will be applicable for claim under this Benefit in case claim is for any of the Critical Illnesses which is a consequence of or arises out of any Pre-Existing Disease.

Intimation within 7 days of diagnosis of any of the listed Critical Illnesses. The insured needs to submit the claim form along with certificate from the specialist confirming occurrence of the critical illness