Questions families ask
Straight answers before you start
Do I have to buy both?
No. Start with the free AI read and stop there if you like. Take the ₹999 second opinion on its own if you just want an independent view. If you go on to a Concierge plan, the second opinion is already included, so you never pay for it twice.
Is the second opinion a diagnosis?
No. Practo Sure organises your records and gives you an independent specialist's written view of them. It is not a diagnosis and not a substitute for your treating doctor. Both products are working prototypes, and Practo Concierge coordinates care rather than delivering it. If symptoms worsen suddenly, seek in-person care.
What if the answer is that I don't need surgery?
Then we tell you plainly, in writing, and you take that to your treating doctor. The specialist earns the same fixed fee whichever way they advise and will never operate on you, so there is no reason for them to say anything but what they see. The ₹999 is the total; there is nothing further to buy from us.
What is the difference between the two Concierge plans?
Plan 1 (₹4,999) is remote: your Care Manager handles the policy read, pre-authorisation, TPA follow-up, tests, a bill check from your photographs and the claim. Plan 2 (₹14,999) adds a Practo executive physically in the hospital on admission day and surgery day, a message within 30 minutes of the patient leaving theatre, and a line-item audit of the bill at the discharge desk before you sign.
Are attendant stay, meals, transport and nursing included in the fee?
No. We arrange them for you, but those providers bill you directly at their own rates. The Concierge fee pays for our people and our time. Your hospital bill, surgeon's fees and medicines are separate too. Prices shown are indicative.
Do you promise my claim will be approved?
No. Only the insurer decides that. What we commit to is the work: policy read before admission, pre-authorisation filed within 4 hours of documents complete, the TPA chased daily, and the claim pursued until a decision is on record, working to 30 days from discharge. About 1 in 12 health insurance claims is rejected or stalled (IRDAI annual report 2026, as reported). That is why we stay on it.
I live in another city. Does this work for me?
Yes. Everything in Plan 1 happens on WhatsApp and phone, so you can run it from anywhere. Plan 2 puts a Practo executive in the hospital on admission day and surgery day, and you get a message within 30 minutes of the patient leaving theatre. Practo Assured has 1,000+ partner hospitals across 25+ cities.
How does the fee compare with the cost of the surgery?
₹4,999 is about 4% of an average ₹1.15 lakh surgery. For that, one named person takes on the eighteen or so tasks a family otherwise does in the ten days around a surgery, and stays on the case until the claim is settled. Prices shown are indicative; your written all-in estimate before admission sets out the hospital costs.
