FAQ For Members

HOME / FAQ For Members

Please browse through our FAQ knowledge base to seek relevant information on our services & offerings

Appointment fixing process & timeframe	Time Frame
To ensure availability of the doctor/medical expert, 6 hours prior notification is needed	6 hours
For appointments on the same day	7 AM till 11 AM
For appointments on the next day till 12 noon	7 AM till 5 PM
For appointments on the next day after 12 noon	7 AM till 10 PM

What are the benefits provided by Cognate Health Services Healthcare Plans?

The COGNATE HEALTH SERVICES Healthcare Membership Plan takes care of all preventive & pre-hospitalization healthcare needs, providing free or subsidized services across the following categories:

Dentists
Doctors of virtually all specializations
Pathology labs
Radiology labs
Healthcare @ Home Service
Dial a Doctor – You can receive medical advices related to routine or minor illnesses instantly over the phone from a Qualified medical practitioner.
Concessional Benefits@ Hospitals & Medical Centers

Additional Features :

2nd Opinion: If you would like to have a second opinion for critical diseases, COGNATE HEALTH SERVICES will help arrange this free of cost from expert doctors on the COGNATE HEALTH SERVICES panel. This feature is available on select membership plans only.
Doctor Chat - Chat with an medical expert instantly online for FREE .

I have never heard of Preventive Healthcare Plans. Is it a new concept?

Preventive Healthcare Plans are a new concept in India, but otherwise Preventive Healthcare Plans are an internationally acclaimed concept, as old as 30 years in the developed nations, especially the United States of America and Europe, where more than 40% of all patients in these countries are Preventive Healthcare Plan members.

I already have health insurance. Why should I take Cognate Healthcare Membership Plan ?

The Cognate Healthcare Plan offers benefits that help you to save money on your day-to-day preventive and pre -hospitalization medical expenses. Insurance on the other hand typically covers you against serious illnesses when you are hospitalized. So, Cognate Healthcare Membership Plans and Health Insurance are not competing products, but instead products that offer end-to-end benefits for all your health care needs.

What Specializations of Doctor are part of the panel?

The Cognate network covers virtually most doctor specializations, for example:

General Physicians
Pediatricians
Orthopedics
Gynecologists
Cardiologist
Dermatologist
Neurologist
Ophthalmologist
Oncologist etc.

On the dental side as well, all dental specializations are covered.

How do I know that Cognate doctors are of a good standard?

Only those doctors are added to the network who meet the rigorous empanelment criteria decided by Cognate’s panel of medical experts. Some of the criterion that they need to meet is:

Master’s Degree
Registered Doctors
Minimum 5 years’ experience
Cognate’s quality certification on clinic’s hygiene standards

What is the time for delivery of the membership card to the member?

You will receive the Cognate Healthcare Plan Membership Card(s) within 14 working days after realization of your payment. In the unlikely event that you do not receive the card within this time period, please call up the Cognate Helpdesk .

What is the validity of the Cognate - Thyrocare Preventive Healthcheck Packages?

The validity of the Cognate - Thyrocare Preventive Health-check packages is for 6 months. However, we encourage our Members to use the package as soon as possible, as these tests will help you get an accurate picture of your present health. Also, The Preventive Health-check Packages are to used by valid Cognate members only. All packages is to be availed within the Package’s validity period, including appointment request. The package(s) must be utilized before the package's expiry date.

Why should I take a Membership- I do not go to the doctors?

You are very lucky that you have been keeping healthy so far. However, unfortunately we cannot assume that this will Continue to be the case. This is like paying for an insurance premium – you hope that you do not have to use it, but if something Does happen, it will make things easier for you. Also, you should not only wait for an illness to happen to use an Cognate Healthcare Membership Card – it can help take care of your health care for check-ups, medical advice, medical opinion, dental care etc. at a Lower cost.

I have never heard of Cognate Health Services. Can you Please tell me something about this company?

Cognate Health Services is an Private Limited Company. Cognate Health Services was formed with the Mission of making high quality healthcare services more affordable in India. As a first step, Cognate has launched Healthcare Membership plans – a first of its kind concept in India, with many more health related services to be launched in the future.

Is Cognate Health Services Registered with IRDA?

No, IRDA is a regulatory body that governs the working of insurance companies in India. As Cognate Health Services is not an insurance company, it does not come under IRDA.

Is Cognate Health Services a Government Company?

: NO, Cognate Health Services Is not a government company. It is an organization formed by professional who have joined Hands for the causes of promoting better healthcare in the country.

What is your email address for concerns and queries?

may address all your queries to [email protected].

Is there any age limit and age cover for the membership of the card?

No! there is absolutely no age limits or age cover restrictions for cognate health check plan membership.

How many members in the family can be covered (Min and max number of cards)?

In a family membership up to 4 members can be covered. If there any more members In the family additional individual/couple/family members can be purchased.

How will I know if there will be enough doctors in my locality?

To ensure a uniformly high level of service. Cognate has been very selective about The medical practitioner empanelled of there network, using strict criterion defined by a panel Of medical experts. Moreover Cognate has only partnered with medical practitioners who believe in the cause of promoting better preventive health awareness in the country, and are not doing this for commercial gains.This may mean that you have to travel a little more to find an cognate empanelled medical practitioner. However you will be able to be assured on the quality of service.

What if some doctor on the network leaves midway?

Cognate constantly reviews its doctor network based on member feedback. There for There is a small possibility that a doctor may be dropped from the cognate network from time To time. However cognate will always ensure that a suitable new doctor is added to the network as a replacement, So that your needs are taken care of.

Do you also give discount on surgeries?

The Cognate Health care membership plans focuses on the pre-hospitalization Medical expenses. Where there is no medical insurance available. Products like surgeries are typically covered through health insurance scheme. However for smaller surgeries like lasik contract or whatever is performed by doctor within clinic. Cognate member are entitled for for the concessions.

Can I gift this card to someone?

Yes it is possible for you to gift this card to someone by paying the annual membership fee for the first year.As per your instructions we can send the memberhip card either to you or the person you are gifting it to. However your own Cognate health care plan membership card is not transferable and cannot use by anyone else.

Can I receive a reversal of membership fee if I am not happy?

Cognate is confident that you will not have any reason to be unhappy with the service provided by provide on cognate health care membership plan. However if by chance you have a bad Experience or not happy with our service, please call us up and we will look into this matter

When will I get the welcome pack and when I can start using the membership plan?

You will receive the welcome pack within 14 days after realization of your payment Of annual membership fee.

You give me an example of how the Cognate Health check plan will help me save costs on medical expenses?

Please note example of your potential savings in an year through the preventive health check plan.

Saving Matrix of Benefits (Yearly)

MEDICAL EXPENSE	TOTAL COSTING	PER MEMBER COSTING	NON CHO MEMBER	CHO MEMBER	SAVINGS
Doctor Consultation	Rs 500*20	Rs 10000/-	Rs 10000/-	Rs 5000/-	Rs 5000/-
Pathology	Rs 500*4	Rs 2000/-	Rs 2000/-	Rs 1400/-	Rs 600/-
Radiology	Rs 500*20	Rs 4000/-	Rs 4000/-	Rs 2800/-	Rs 1200/-
Dietician	Rs 500*4	Rs 2000/-	Rs 2000/-	-	Rs 2000/-
Pharmacy	Rs 2000*12	Rs 24000/-	Rs 24000/-	Rs 20400/-	Rs 3600/-
Dental Consultation	Rs 500*2	Rs 1000/-	Rs 1000/-	-	Rs 1000/-
Dental Treatment	Rs 3000*1	Rs 3000/-	Rs 3000/-	Rs 2100/-	Rs 900/-
IPD/ Admit	Rs 20000/-	Rs 20000/-	Rs 20000/-	Rs 17000/-	Rs 3000/-
TOTAL EXPENSE		Rs 660000	Rs 66000/-	Rs 48700/-	Rs 17300/-