Structured OPD support covering doctor fees, medicines, and diagnostics — at a flat annual fee. No complexity, no hidden rules.
From doctor visit to wallet credit — entirely on your phone.
Walk into any clinic, pharmacy, or diagnostic lab — anywhere in India. No pre-authorisation, no empanelled lists, no gatekeeping.
Photograph your prescription and bills, upload through the Settl app. Our AI verifies documents — fully automated, no manual scanning.
Once approved, the amount is credited to your Settl wallet. Withdraw to your bank account or UPI — no minimum balance, no delays.
We started Settl because OPD healthcare bills were quietly bleeding Indian families dry — and existing products were either unaffordable or dishonest.
Pay once a year. No co-pay surprises, no claim-time deductions you didn't agree to. Everything is disclosed before you sign up.
Most claims reviewed within 24 hours — not 7–14 business days. Our AI handles document verification automatically.
Submit a claim from your bedroom at midnight. No branch visits, no courier, no physical forms — ever.
AES-256 encryption. Your medical records and KYC documents are never shared without your written consent.
Preferred clinic. Neighbourhood pharmacy. Government hospital. There is no network restriction, no pre-approval needed.
The Family plan covers you, your partner, and up to 4 dependents — parents included. Every family member gets their own claims limit.
Every claim is AI-validated. Our risk engine prevents fraud, keeping Settl sustainable and fair for every member.
Every claim decision is logged and auditable. If you ever disagree with a decision, you can raise a review — guaranteed response.
Your OPD eligibility exceeds your contribution. No claim count limits — only your annual eligibility cap matters.
30-day waiting period applies. Co-pay reduces the reimbursable amount per claim. See Terms & Conditions for full policy rules.
Real experiences from real Indian families
My son had a sudden fever and we spent ₹2,800 on doctor visits and medicines. Settl processed the claim in less than a day. Honestly didn't expect it to be this simple.
Been using Settl for 8 months now. Two claims processed, both approved quickly. The app is clean and the team is responsive. Worth every rupee for the peace of mind.
I take my parents to the doctor regularly. OPD bills kept adding up. Settl's Family plan has saved us nearly ₹14,000 this year alone. No hassle, no drama.
The upload process is very straightforward. I took a photo of the bills, uploaded them, and got a credit notification the next morning. Exactly what I needed.
Very transparent platform. I knew exactly what I'd get before I signed up. The support team answered all my questions patiently. Recommend it to all my colleagues.
At 62, doctor visits are frequent. Settl gives me the comfort of knowing that a portion of those bills is covered. The digital process was easy even for me to learn.
Still wondering something? We're transparent about everything. Read our full Terms & Conditions for complete plan details.
Settl provides structured financial support for outpatient (OPD) healthcare — doctor consultation fees, prescribed medicines, and diagnostic tests. You pay a flat annual membership fee and receive partial support towards eligible medical bills, subject to your plan limits.
Most claims are reviewed within 24–48 hours of document submission. AI-powered document verification runs automatically. Once approved, the amount is credited to your Settl wallet and you can withdraw it anytime to your bank account or UPI.
Yes — there are absolutely no network restrictions. You can visit any registered doctor, clinic, pharmacy, or diagnostic centre across India. No referral letters, no pre-authorisation, no empanelled provider lists.
You need: (1) a valid prescription from a registered doctor, and (2) at least one bill — either a clinic/hospital bill or a pharmacy bill. Diagnostic reports are optional but can be added. Everything is submitted digitally through the app — no physical paperwork.
Yes, a standard activation period applies from your membership start date. This is necessary to maintain platform integrity and sustainability for all members. Full details are clearly disclosed in our Terms & Conditions before you purchase.
Yes. The Couple plan covers you and your partner. The Family plan extends coverage to the whole family — up to 4 members total. Each member operates within a shared annual limit, with individual claim tracking.
Absolutely. We use AES-256 encryption for all documents and personal data at rest and in transit. Your medical records and identity documents are never shared with third parties without your explicit written consent.
If our review results in a partial approval — called a 'Reduced' decision — you'll see the approved amount and the reason clearly in the app. The co-pay portion (your share) and any applicable deductions are fully explained. You can raise a review if you disagree.
Never worry about OPD bills again. Start today — no long-term commitment.
By signing up you agree to our Terms & Conditions