78%
Indian families have no health insurance
NSSO 2023
Financial protection
You take care of your health.
We help you take
care of the costs.
Online Chikitsa Mitra connects families with trusted health insurance partners so one hospitalisation never destroys a family's finances.
Helpline
10 AM – 7 PM · 7 days
The reality
Health Insurance Awareness in India
One hospital visit shouldn't undo a family's savings.
Medical expenses continue to rise across India. Health insurance helps families access treatment without fear of financial burden.
₹4.4L
average cost of a single hospitalisation
Indicative
60%
of OPD spending is paid out-of-pocket
NITI AAYOG
Authorised Insurance Partners
How it works
Simple Health Insurance Process in India
Four steps. No jargon.
OCM is a facilitation platform that connects families with authorised insurance partners. We do not directly sell insurance policies.
1
Express interest
Submit your interest through the OCM app or a partnered Digital Health Centre.
2
Connect with partner
An authorised insurance partner contacts you directly.
3
Choose your plan
Select the best plan based on your family needs and budget.
4
Receive guidance
Get support during policy issuance and claims assistance.
What you can access
Health Insurance Plans for Indian Families
Coverage that fits your family.
Through OCM's insurance partner network, access trusted health, life, and accident insurance plans explained in your language.
Health insurance
Hospitalisation coverage for individuals and families.
★ MOST CHOSEN
Motor Insurance
Covers accidents, damage and third-party liability.
Personal accident
Coverage against accidental injuries and disabilities.
Life / term cover
Long-term financial protection for your family.
Shop & business
Coverage for business premises, inventory, and liabilities.
Get a quote
Tell us a little about your family.
An authorised insurance partner will contact you within 24 hours with plans that match your family's needs and budget.
No pre-payment, no hidden fees
Plans starting under ₹500/month
Helpline support during claims
Common questions
Health Insurance FAQs for Indian Families
Insurance, demystified.
No. OCM is a facilitation service that connects families with IRDAI-approved insurance partners who issue policies and manage claims.
Insurance is not an expense.
It's protecting your family's future.
