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Is there a grace period for individual & family plans?

All Bright Plans come with a 30 day Grace period. Termination rules, and the reduced benefits in the grace period for Individual plans vary by type of the plan. Please note: Partial payments do not extend the grace period and will be refunded once the member is terminated.

Fixed Tenure plans

All members in fixed tenure plans enter a 30 day grace period on the 5th of the month, if the subscription fee is not paid by the 1st of month.
During the grace period, while member will have access to some benefits, full range of benefits would not be offered till the subscription fee is paid:
  • Pharmacy expenses will not be covered
  • Dignostic expenses will not be covered
  • In-person specialist consultation would not be covered
  • If the full outstanding premium payment isn't made by the end of the grace period, the plan will be terminated

Monthly plans

All members in fixed tenure plans enter a 30 day grace period the day after monthly subscription amount is due, or alternately, from the second day of the month.
During the grace period, while member will have access to very limited benefits, full range of benefits would not be offered till the subscription fee is paid:
  • Pharmacy expenses will not be covered
  • Dignostic expenses will not be covered
  • Teleconsultation with specialist doctor would not be covered
  • In-person doctor consultation would not be covered
  • If the full outstanding premium payment isn't made by the end of the grace period, the plan will be terminated
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BrightPlan provides Comprehensive health plans for everyone, at a tiny monthly cost, for a brighter tomorrow. We're ourselves not an insurance company.

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BrightPlan is a Bangalore headquartered Health Management Organization (HMO) that offers day-to-day healthcare benefits like OPD care through a monthly subscription plan, and we're not an insurance provider. We aim to reduce your financial strain due to unanticipated healthcare expenses even if it's a simpler healthcare need unlike a health insurance which covers you only when you're hospitalized or admitted.