Your cover
has a balance.
Your employer puts the year's care money in the app on day one. You spend it at the desk, see what's left on the way out, and never pay first and claim later.
Wallet
Mehra family
TechCorp Ltd · policy year to 31 Mar
Left to spend
₹11,510
of ₹15,000 · shared by 4 people
Yesterday
Your employer sees the total, not the visit
1
balance the whole family draws on
0
to pay at a network desk, while it lasts
4
pockets HR can cap separately
Live
balance on your phone after every visit
Balances and caps on this page are one plan's configuration. Yours are set by your employer and shown in the app.
Five moments. One ledger.
Everything that happens to the balance, in the order it happens — and the line each moment leaves in the wallet's history.
It's funded before you need it
Your employer loads the year's balance on day one — the amount set for your grade, shared with the dependants on your plan. Nothing to activate, nothing to claim first.
You spend it at the desk
Scan the code at a network clinic, lab or pharmacy and the bill comes out of the right pocket of the wallet. The new balance is on your phone before you've left the building.
You only pay the difference
If a bill is bigger than what's left in a pocket, the wallet pays what it can and the app asks for the rest by UPI — at the counter, with the split shown before you confirm.
You claim it back from the same balance
Saw a doctor while travelling? Photograph the bill and the prescription. Once it's approved, the money goes to your bank and the wallet shows exactly what it drew.
The year closes, out loud
Your plan decides whether an unused balance lapses or carries forward — and the app tells you which, with a reminder a month before, rather than letting it disappear quietly.
Out-of-network bills go through claims and every payment passes the fraud checks before the wallet is touched.
The policy, written as rules a desk can run.
Grades, family cover, category caps and co-pays are set once in the Business Portal. From then on every clinic, lab and pharmacy applies them at the counter — nobody re-reads the policy document.
Funding by grade
loaded 1 April- Consultations₹4,000
- Pharmacy₹5,000
- Lab tests₹3,000
- Dental & vision₹3,000
Plan switches
apply to every desk- Family poolOne balance the household shares
- Co-pay on pharmacyEmployee pays 10% of each bill
- Out-of-network claimsReimbursed from the same balance
- Carry forwardUp to ₹3,000 into next year
- Parents' sub-limitCapped at ₹5,000 of the pool
Changes mid-year apply from the next visit, and every change is logged with who made it.
Grades, not spreadsheets
Add an employee to a grade and their wallet is funded with that grade's amount — including mid-year joiners, pro-rated.
Caps hold at the counter
A pharmacy can't draw from the consult pocket. The split you set is the split the desk sees.
Every switch is audited
Who changed a rule, when, and what it was before — kept for the life of the policy.
Paying ₹340? You'll know first.
A wallet that quietly runs dry is how benefits lose people's trust. So the split is on your screen before you confirm — what the wallet covers, what the co-pay is, and what's left for you.
The bill meets the rules
Pharmacy pocket, 10% co-pay, ₹900 left in it — applied in that order.
You see the split
₹900 from the wallet, ₹340 from you. Nothing has been charged yet.
You pay your part by UPI
One tap at the counter. The receipt shows both halves.
Confirm payment
Apollo Pharmacy
Koramangala · for Kamala Mehra
Co-pay is part of your share, set by your plan.
You pay
₹340
₹216 over the pocket + ₹124 co-pay
Funded, drawn, and nothing personal.
The budget question — is the money being used, and on what — answered in aggregate. The medical question never reaches this screen.
Shown as counts and percentages only. No employee, visit, doctor or diagnosis is identifiable here.
Funding
342 wallets₹51.3L
loaded on 1 April
Drawn
₹24.6L
Wallets used
298
Drawn by category
share of each cap- Consultations64%
- Pharmacy57%
- Lab tests38%
- Dental & vision21%
An illustrative company, seven months in. Low dental draw is the usual prompt for a camp.
Is the wallet real money I can withdraw?
No. It is a care balance your employer funds for a policy year, and it can only be spent on what your plan covers — at a network desk, or reimbursed against a bill you submit. It isn't salary, and it can't be moved to a bank account on its own.
What happens to what I don't use?
Your employer's plan decides: either it lapses at the end of the policy year, or part of it carries forward. Either way the app says which on the wallet screen, and reminds you a month before the year closes.
Can my family spend from it?
If your plan is a family pool, yes — each dependant has their own profile and scans in themselves, and every spend shows whose visit it was. On per-member plans each person has their own balance.
What if a bill is bigger than my balance?
The wallet pays what it can and the app asks you for the rest by UPI, at the counter, before anything is confirmed. You never find out about a shortfall afterwards.
Can HR see what I spent it on?
They see totals — how much of the company's funding has been drawn, and in which categories, across everyone. They never see a person's visits, the doctor, a prescription or a diagnosis.
Put the year's care in their pocket.
Book a walkthrough and we'll configure a wallet against your grades, your family rules and your budget.