India’s healthcare system is gradually shifting from episodic treatment to continuous care models.
India’s healthcare system has traditionally been structured around episodic care, where patients pay per consultation or rely on insurance primarily for hospitalization. However, rising outpatient costs and increasing demand for continuous care have led to the emergence of subscription-based healthcare models.
Subscription-based healthcare in India is emerging as an alternative to traditional insurance and out-of-pocket outpatient care.
These models involve a recurring payment system that provides ongoing access to services such as consultations, diagnostics, preventive care, and in some cases hospitalization coverage. While still evolving in India, several platforms are experimenting with this approach across primary care, corporate healthcare, and diagnostics.
Out-of-pocket expenditure continues to account for a significant share of total health spending in India, estimated at around 48 percent in recent national health accounts, highlighting the need for more predictable and continuous care models.¹
India’s digital health market is projected to grow from approximately $14.5 billion in 2024 to around $106.9 billion by 2033, reflecting rapid expansion of technology-driven healthcare services.²
Subscription-based healthcare refers to a model where individuals or organizations pay a recurring fee to access a defined set of healthcare services. These may include consultations, preventive checkups, telemedicine, chronic disease management, and insurance-linked hospitalization depending on the provider.
Unlike traditional insurance, which is typically used during major medical events, these models focus on continuous engagement and early intervention.
Many of these models function as “payvider” systems, where the same entity combines healthcare delivery and financing, aligning incentives toward better outcomes rather than higher service volumes.
In most models, individuals or employers pay a fixed monthly or annual fee to access a bundle of healthcare services. These services may include unlimited consultations, discounted diagnostics, preventive health checkups, and in some cases insurance coverage.
Care is often delivered through a combination of telemedicine platforms, partner hospitals, and in-house clinics, allowing patients to access services without repeated out-of-pocket payments.
Subscription-based healthcare models offer several potential advantages:
Predictable healthcare spending through fixed recurring costs
Improved access to primary care and preventive services
Early detection and management of chronic conditions
Reduced reliance on episodic hospital-based care
These benefits are particularly relevant in India, where outpatient care forms a large share of healthcare expenses.
Model: Full-stack subscription healthcare
Even Healthcare offers a managed care model that integrates outpatient care, diagnostics, and hospitalization coverage through a single membership.
Its plans include:
Unlimited consultations through its care team
Diagnostics and preventive services
Cashless hospitalization through an integrated insurance component
The company operates through its own care infrastructure along with partner hospitals and emphasizes coordinated care through a central clinical team.³
The platform integrates telemedicine, diagnostics, and in-person care through a single digital interface for consultations, reports, and care coordination.
The platform is primarily targeted at urban individuals and families seeking integrated and continuous care.
Why it stands out:
It is one of the few platforms in India attempting to integrate care delivery and financing within a single subscription model.
Model: Subscription primary care + insurance
Clinikk provides a membership-based healthcare service built around its physical clinics known as Clinikk Health Hubs.
Membership typically includes:
Unlimited primary care consultations
Follow-ups and basic care services
Integrated health insurance for hospitalization
Clinikk also offers employer-focused healthcare plans and operates clinics in cities such as Bengaluru.⁴
It operates Clinikk Health Hubs as physical clinics and focuses on primary care as the first point of contact for patients.
Why it stands out:
It combines physical clinic-based care with a subscription model and insurance integration.
Model: Subscription healthcare for SMEs
Onsurity offers healthcare as a monthly subscription designed for startups and small businesses.
Its services include:
Teleconsultations and doctor access
Discounted health checkups
Group health insurance plans
Wellness and preventive care programs
The platform allows employers to provide healthcare benefits without large upfront insurance premiums.⁵
It is designed specifically for startups and SMEs with small teams and offers flexible group insurance options without long waiting periods.
Why it stands out:
It focuses on making healthcare benefits accessible to small and medium enterprises through a recurring payment model.
Model: Subscription OPD + telehealth
docOPD provides subscription-based outpatient care services with a focus on affordability.
Its offerings include:
Teleconsultation services
Access to doctors for first-line treatment
Health packages and diagnostic tests
The platform is designed to address outpatient expenses, which are often not covered by traditional insurance.⁶
It also provides doctor-on-call and home-based care services.
It is designed for individuals seeking affordable outpatient care, particularly those without comprehensive insurance coverage.
Why it stands out:
It focuses specifically on subscription-based OPD care, which remains a significant gap in the Indian healthcare system.
Model: Subscription health benefits + preventive care
Ekincare provides subscription-based healthcare benefits, primarily for employers, with options for individuals.
Its platform includes:
Digital health records and analytics
Preventive health checkups
Chronic disease management
Insurance-linked plans such as Prime and Flexi cover
These offerings aim to support continuous health monitoring and risk management.⁷
It also offers AI-driven health risk assessment and analytics and is used by corporates for employee health tracking.
Why it stands out:
It emphasizes preventive care and data-driven health management rather than episodic treatment.
Model: Subscription-based employee healthcare
Visit Health operates a corporate healthcare subscription model where employers pay a monthly fee per employee.
Services include:
Unlimited teleconsultations
Mental health support
Preventive care programs
Chronic disease management
The platform integrates multiple healthcare services into a single interface for employees.⁸
It integrates mental health services with general healthcare and focuses on end-to-end employee health journeys.
Why it stands out:
It provides a structured and scalable subscription model for workplace healthcare.
Model: Subscription preventive healthcare
SevaMob delivers preventive and primary healthcare services through a combination of telemedicine and community-based care.
Its services include:
Preventive screenings
Teleconsultations
Outreach through mobile health units
The platform focuses on underserved and low-income populations and integrates technology into care delivery.⁹
It uses mobile health vans and community outreach programs and combines telemedicine with on-ground care delivery.
Why it stands out:
It applies a subscription-based approach to improve healthcare access in underserved settings.
Model: Subscription-based diagnostic screening
Niramai Health Analytix provides AI-based breast cancer screening solutions using its Thermalytix technology.
Its programs include:
Periodic screening solutions for institutions and corporates
Non-invasive, radiation-free screening methods
Programs such as Mythri and Smile initiatives for wider access
These are often deployed as subscription-based screening services rather than one-time diagnostics.¹⁰
The technology uses thermal imaging instead of radiation or contact-based methods and is suitable for early breast cancer screening in low-resource settings.
Why it stands out:
It introduces a technology-driven subscription model focused on early detection and preventive diagnostics.
Subscription healthcare models may be suitable for:
Individuals seeking predictable healthcare costs
Families requiring regular primary care access
Employees covered under corporate health programs
Patients managing chronic conditions requiring continuous monitoring
These models are particularly useful where outpatient costs form a significant portion of healthcare spending.
Subscription-based healthcare differs from traditional insurance in its focus on continuous care rather than episodic treatment. While insurance is primarily designed to cover hospitalization and high-cost medical events, subscription models often include routine consultations, preventive care, and ongoing disease management as part of a recurring plan.
This distinction is particularly relevant in India, where outpatient expenses are largely paid out of pocket and are not consistently covered under standard insurance policies.
Several factors are contributing to the growth of subscription healthcare models in India:
Rising outpatient costs not covered by insurance
Increasing demand for preventive and continuous care
Adoption of digital health platforms
Employer-driven healthcare benefits
Corporate subscription models are increasingly being used to address rising lifestyle diseases such as diabetes and hypertension among the working population, with a stronger focus on preventive care and early intervention.
These models aim to shift healthcare delivery toward ongoing engagement rather than episodic treatment.
Despite their potential, these models face several challenges:
Limited awareness among patients
Variability in services across providers
Dependence on employer adoption in some cases
Evolving regulatory environment
Subscription-based healthcare in India is still developing but reflects a broader shift toward continuous and preventive care. The platforms listed above represent different approaches across managed care, corporate healthcare, primary care, and diagnostics.
As these models evolve, they may contribute to improving access, affordability, and long-term health outcomes.
These subscription healthcare models in India highlight a shift toward continuous, preventive, and value-based care delivery.
National Health Systems Resource Centre. National Health Accounts Estimates for India (2019–20). Accessed April 8, 2026. https://nhsrcindia.org
Grand View Research. India Digital Health Market Size Report. Accessed April 8, 2026. https://www.grandviewresearch.com/industry-analysis/india-digital-health-market-report
Even Healthcare. Even Healthcare. Accessed April 8, 2026. https://even.in/
Clinikk. Clinikk. Accessed April 8, 2026. https://clinikk.com/
Onsurity. Onsurity. Accessed April 8, 2026. https://www.onsurity.com/
docOPD. docOPD. Accessed April 8, 2026. https://www.docopd.com/
Ekincare. Ekincare. Accessed April 8, 2026. https://www.ekincare.com/
Visit Health. Visit Health. Accessed April 8, 2026. https://getvisitapp.com/
SevaMob. SevaMob. Accessed April 8, 2026. https://sevamob.com/
Niramai Health Analytix. Niramai Health Analytix. Accessed April 8, 2026. https://niramai.com/
