GetAFixMD addresses health, wellness, and financial concerns by offering innovative products and services.
How does GetAFixMD facilitate insurance?
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.
Are there any age restrictions to join GetAFixMD?
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.
What are the steps to become a subscriber of 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.
How can I cancel my GetAFixMD subscription?
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.
How does GetAFixMD protect patient data?
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.
What services does GetAFixMD offer?
GetAFixMD offers free unlimited teleconsultation services with Psychologists and Psychiatrists (available 24/7) and consultations with 28 other specialty doctors (available from 6 AM to 12 Midnight). List of specialties covered are: 01) General Physician 02) Andrologist 03) Cardiologist 04) Clinical geneticist 05) Cosmetologist 06) Dentist 07) Neurologist 08) Nephrologist 09) Oncologist 10) Ophthalmologist 11) Pulmonologist 12) Rheumatologist 13) Surgical Gastroenterologist 14) Urologist 15) Dermatologist 16) Diabetologist 17) Dietitian 18) Endocrinologist 19) ENT specialist 20) Paediatric Endocrinologist 21) Paediatrician 22) Paediatric Nephrologist 23) Paediatric Neurologist 24) Internal Medicine 25) Fertility Specialist 26) Gastroenterologist 27) General Surgeon 28) Gynaecologist
Unlimited in-person, doctor consultations with a nearby doctor from our listed healthcare facilities, we will cover the fee. Profiles of doctors available for in-person consultations are: 1) Physician Consultation 2) Cardiologist 3) Gynaecologist 4) Orthopaedic 5) Neurologist 6) Physiotherapist Consultation 7) Dental Consultation
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 focus on middle-aged individuals to enhance balance, agility, and core strength, thereby reducing the risk of falls and optimizing overall lifestyle.
Pre-existing diseases are covered from Day 1, and specific disease waiting periods are waived for additional coverage, over and above the base insurance coverage.
Ambulance charges covered up to Rs 5000 per person.
AYUSH treatments covered in government-recognized hospitals.
Pre- and post-hospitalization coverage.
Home care treatment covered for COVID-19.
80D exemption available.
Free access to weekly knowledge-sharing sessions by experts in nutrition, lifestyle optimization, and mindfulness.
Free access to sessions such as health talks by doctors and dieticians, webinars on Pilates and ergonomics, and virtual fitness sessions like yoga and Zumba
What does the GMC policy cover?
Covers all kinds of medical expenses, including hospitalization, medical tests, surgeries, and doctor visits.
Who can avail the GMC policy?
Anyone who opts for any GetAFixMD plan.
Criteria to avail the GMC policy.
One should be between the ages of 18-65. The policy can be extended to the dependents as well.
Any medical examination required for onboarding ?in the GMC policy.
No, medical examination is not required but the onboarding is based on GHD – Good Health Declaration, by the customer.
What is a pre-existing medical condition?
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.
How can I claim in a GMC policy?
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/
When will be the pre-existing diseases covered in a GMC policy?
After 12 months form the policy inception date.
List of permanently excluded conditions in GMC policy.
All types of Cancers and Tumor
Chronic Kidney Disease
Diabetes and HTN in a single person
Rheumatoid Arthritis
All types of heart diseases
COPD
Liver Cirrhosis
Cerebral vascular accident (all conditions)
History of major cardiac surgeries
Multiple Sclerosis
What does a super top-up policy cover?
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.
Criteria to avail the super top-up policy.
One should be between the ages of 18-65. The policy can be extended to the dependents as well.
How can I process the claim in a super top-up policy?
Claims can be processed as cashless if the base policy is issued by the same Insurer else on reimbursement basis.
How does the super top-up policy work?
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.
What does the personal accident cover?
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.
What is child education allowance in a personal accident?
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.
Criteria to avail the personal accident policy.
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.
How can I avail the claim in a personal accident policy.
The claim can be settled on a reimbursement basis.
In the case of Death claim, death certificate is mandatory.
2.In the case of Disability claim, disability certificate is mandatory.
Any medical examination required?
No, medical examination is not required but the onboarding is based on GHD – Good Health Declaration, by the customer.
What does Hospital cash cover?
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.
Minimum criteria to avail this benefit?
24 hours inpatient hospitalization.
24 hours inpatient hospitalization.
INR 3,000 per 24 hours of inpatient hospitalization.
Criteria to avail the policy.
One should be between the ages of 18-65. The policy can be extended to the dependents as well.
How can I avail the claim?
The claim can be settled on a reimbursement basis. Discharge summary and medical bills to be submitted to the Insurance company.
Any medical examination required?
No, medical examination is not required but the onboarding is based on GHD – Good Health Declaration, by the customer.
What does Critical Illness Policy cover?
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.
Minimum criteria to avail this benefit?
Survival period of 15 days is mandatory for post diagnosis of the listed critical illness.
How many diseases are covered under the critical illness policy?
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
Criteria to avail the policy.
One should be between the ages of 18-60. The policy can be extended to the dependents as well.
How can I avail the claim?
The claim can be settled only on a reimbursement basis post the survival period is surpassed.
Any medical examination required?
No, medical examination is not required but the onboarding is based on GHD – Good Health Declaration, by the customer.
Claims process
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.
Pre-existing condition in CI
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.
Any claims intimation clause
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