Frequently Asked Questions - Ensurance

By Shashank Avadhani

Nov 24, 2022

6 min read
Frequently Asked Questions - Ensurance

Share this article

  • link share button

What are the conditions for availing of this group health policy?

You have to be above 18 years of age, and a member of GigVistas – a platform for Independent/Gig professionals. You can easily become a member of GigVistas by signing up.

How do I register and avail this policy?

Click on the login/sign up button here [Link/button] or from the Insurance section of GigVistas website to register on the platform. Once you register you will be able to see the section for buying the health policy of your choice. Click on the links provided to complete your transaction on Alyve platform specially configured for GigVistas’ members. Enter your details, complete your payment online and your policy certificate will be issued immediately.

When will my cover start?

It starts immediately from the time you purchase the health policy and are issued the certificate.

How will I receive the certificate and policy documents?

These will be digitally sent to you at your registered email address. The certificate will be issued immediately, and the complete policy document will follow in 4-5 days' time.

Who are GigVistas, Alyve, and Care Health Insurance, what are their roles?

GigVistas is a platform for Gig Work that is reimagining the future of work. Our AI-powered platform empowers you to choose work that frees you and enables companies to better connect with critical resources at the right time.

Alyve Health is a Health “E”nsurance platform for groups. We bring care to insurance, fun to habits, and a single gateway to health. Care Health Insurance (Formerly Religare Health Insurance) has been among the five private sector insurers to underwrite policies exclusively in health, personal accident and travel insurance segments. Care Health Insurance was adjudged the "Best Health Insurance Company" at the ABP News-BFSI Awards 2017 and again at the Emerging Asia Insurance Awards, 2019 and "Best Claims Service Provider of the Year" at the Insurance India Summit & Awards 2018.

Alyve Health works with the insurance and health ecosystem to put together unique health plans that meet the needs of groups. GigVistas has partnered with Alyve to bring to the Gig Professionals a first-of-its-kind insurance plan for independent contractors, freelancers, and Gig professionals. Care Health Insurance underwrites the risk of the insurance coverage. It is the synergy of this ecosystem that enables this unique and extremely beneficial health policy coverage for the registered Gig professionals on

Can I avail the same directly instead of going through GigVistas?

No. This is a group policy and in order to avail of this policy an individual must be a Gigvistas member and should purchase the policy through the web application of after signing in.

What is a group policy and how is it different from what I can get for myself individually from any of the insurance companies?

What we as individuals or even families can buy from the insurance market are retail policies. These typically are expensive in comparison to group policies and come with a longer waiting period for existing diseases. In addition, retail policies for senior citizens are difficult to obtain with adequate cover and often require rigorous medical screening that can be inconvenient for senior citizens. A group policy on the other hand provides the benefit at lower costs on account of risk being spread out through aggregation in a number of policyholders. Group policies also have shorter waiting period requirements for pre-existing diseases. By becoming a community member of GigVistas, independent professionals can avail of this unique policy with affordable rates and better coverage.

What is the difference between base policy and top-up policy?

A base policy covers you up to the sum insured while a top-up policy covers you for the limit under the policy only once the base policy sum insured limit has been exhausted. Let us assume that you have a base policy for 3 lakhs and a top-up policy for 5 lakhs. In this case, if you have an insurance claim of 7 lakhs, 3 lakhs cover will be provided by your base policy and the balance of 4 lakhs will be covered by the top-up policy. If for some reason you don’t have a base policy, then the 3 lakh amount will be treated as deductible (borne by you) and the balance of 4 lakh will be eligible for a claim. On our platform, the base policy is for 5 lakhs and the top-up is for 30 lakhs. The 30 lakh top-up assumes that there is a base policy for at least 5 lakhs. The top-up insurance of 30 L will cover expenses over and above this base value cover.

How to estimate premiums and understand the cost?

Use our intuitive calculator here to estimate the cost. You can compare the costs with other retail plans available and will find this group policy to be very competitively priced.

What are the benefits associated with this health policy?

  • Base health insurance with a sum insured of Rs 5 lacs - can be purchased for self/family/parents
  • Top-up health insurance with a sum insured of Rs 30 lacs - can be purchased for self/family/parents
  • 1 click claim services on the Alyve Health application
  • Low waiting periods: 1 year / 2 years waiting period for pre-existing conditions and named ailments
  • Coverage for parents can be purchased up to the entry age of 75 years; lifelong renewability once entered
  • Liberal room and ICU restrictions: Single private room and ICU up to actuals.
  • Additional Alyve Health benefits: Complimentary access to Doctor on call (GP) for 12 months, discounts on medicines and diagnostics

How to claim benefits under the policy?

The ease of claims is one of the unique propositions of this plan. Alyve Health provides you with an easy digital mode of making an insurance claim with guidance at each step. You can also claim other benefits such as doctor-on-call, wellness programs, discounted medicine and other benefits by accessing the Alyve Health application. You will find the navigation to this site in your profile section in a couple of days once you have purchased the plan. You will also receive a link to the claims page via email.

Who will process my claims? Will a TPA process the claims? Who is the TPA here?

The claims will be processed by Care Health Insurance.

How to renew the policy?

You will receive a policy renewal notice by email. You will also be able to renew your policy from your profile page on when the policy is due for renewal.

How to access my policy?

You will receive an email with the link to the policy and you will also receive the policy documents by email. Additionally, you can access the policy through the profile page link to Alyve on

How do I know which hospitals provide cashless coverage?

You can access the list of Care Health Insurance’s cashless network by clicking on the Link.

Shashank Avadhani

Shashank Avadhani

Co-Founder and CEO at Alyve