Essentials Plus Plan
Adds specialists, a wallet and eye care
Essentials Plus is part of Inlume247 CareWallet Essentials, our entry range for everyday care and eye care. Adds specialists, a wallet and eye care. Specialist teleconsults and ₹500 wallet, 4 mental-wellness sessions, ₹2,700 of vision benefits, all delivered through the app.
Plans start at ₹549 a year including GST for one person, with family options for a spouse and two children, or a family with two parents.
Plan at a Glance
Select Your Family Cover
- 100% cashless at empanelled network providers
- Teleconsults & digital wellness live on Day 1
- Covers Individual (1A)
Zero hidden charges. Transparent renewal terms. 30-day free look period.
What Is Included in Essentials Plus Plan
Full schedule of covered benefits, allowances, and network savings.
| Benefit & Service | What You Get |
|---|---|
| Funded Flex Wallet | ₹500 |
| Unlimited GP teleconsults | Included |
| Specialist teleconsults | Included |
| Mental-wellness sessions | 4 |
| Annual health check (parameters) | 30 |
| In-clinic doctor visits (from wallet) | 1 · ₹500 cap |
| Pharmacy and labs (from wallet) | Included |
| Pharmacy discount | Up to 20% |
| Labs and diagnostics discount | Up to 40% |
| Cult.fit gym membership | Up to 15% off |
| Ambulance | Yes – 1 |
| Wellness rewards | Basic |
Vision care (bundled, cashless via the partner vision network) | |
| Prescription glasses (funded) | ₹500 |
| Basic eye check-up (at-home optometrist) | ✓ · ₹100 |
| Ophthalmologist consult or dilated eye exam | ₹1,500 |
| Eye-surgery network benefit (VisionSure) | Not included |
| Lenskart Gold Max membership | ✓ · ₹600 |
| Vision network access | Lenskart |
| Total vision benefit value | ₹2,700 |
Annual Health Check-Up
Preventive screening tailored for early detection and peace of mind.
Your plan includes an annual health check of about 30 parameters, covering:
* Parameter panels are indicative. Exact inclusions, methods and counts are finalised with the empanelled NABL-accredited diagnostic partner. Home sample collection is available where offered, and fasting may be required.
Women Wellness, Bundled at No Extra Cost
Comprehensive maternity, parenting, and women’s health journey.
Every plan includes digital maternity, parenting and women's-health content:
Who Is Essentials Plus Plan For?
Designed for specific lifestyle needs, household structures, and care routines.
People who want specialist access as well as GP consults
Families who want a small wallet for a clinic visit, medicines or tests
Spectacle wearers who want eye exams and a Lenskart membership
What You Gain Over Essentials Lite
Want More? See Essentials Pro
Essentials Pro starts at ₹699 a year and adds:
How It Works
Five simple steps from sign-up to seamless cashless healthcare.
Choose Essentials Plus and the family configuration that suits you.
Buy online and complete your KYC and member details.
Log in to the Inlume247 app with your mobile number. Teleconsultations and wellness benefits are available from day one where provided.
Use your benefits cashless at network providers, and track your wallet and usage in the app.
Renew each year. Benefits and limits reset on renewal.
Cashless Access & Claims Process
Zero paperwork at network facilities, with simple reimbursement when eligible.
If you use a provider outside the network where this is permitted, submit a reimbursement claim within the timeline in your policy wording (for example, 30 days from the date of service). Keep ready a valid dated prescription from a registered doctor, original itemised invoices, diagnostic reports where applicable, and your KYC details.
2. Original itemized diagnostic/pharmacy invoices
3. Diagnostic reports & member KYC documents
Important Information & Disclosures
Key policy terms, coverage guidelines, and regulatory notes.
Frequently Asked Questions
Clear answers about Essentials Plus Plan coverage, claims, and benefits.
Buy Essentials Plus from ₹549 a year
Comprehensive outpatient care, virtual doctor visits, diagnostic tests, and customised wellness benefits — all unified cashless on the Inlume247 app.
Disclaimer: Benefits, limits, exclusions and prices depend on the plan and the policy wording, which prevails. Please read all terms before buying.
CareWallet is an outpatient (OPD) and wellness benefit. Insurance is the subject matter of solicitation.
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