Why CarePass Is A Strategic Win For Your Business?

No claims. No paperwork. No waiting. Just instant, everyday savings on the healthcare employees actually use.

• ₹50,000 Annual Savings Potential
• 20% Average Healthcare Discount
• 30,000 +PIN Codes Covered

Healthcare costs in India are rising at roughly 14% annually; outpacing inflation, outpacing salary hikes, and quietly eroding the financial wellbeing of employees across every industry. Insurance helps with big emergencies, but what about the everyday health costs that fall below your deductible?

The pharmacy runs, the diagnostic tests, the dentist visit, the eye check-up but none of these make it onto a claim form, yet they add up to thousands of rupees every month.

That's the gap CarePass by Truworth Wellness was built to close.

"CarePass is not another insurance product. It's a healthcare privilege membership that turns everyday medical spending into everyday savings instantly, without a single form to fill."

What Exactly Is CarePass?

CarePass is a healthcare privilege membership that gives members instant access to discounts and benefits across five major healthcare categories: pharmacy, diagnostics, doctor consultations, dental & vision care, and wellness services. Unlike insurance, there are no claims to file, no waiting periods to endure, and no paperwork to manage. Benefits activate the moment a member presents their CarePass.

Available to corporates, NBFCs, and business partners looking to offer a genuinely comprehensive healthcare benefit to their workforce, CarePass is designed to meet employees where their healthcare actually happens in local pharmacies, at pathology labs, in OPD queues, and on teleconsultation screens.

Key Differentiator: Most employee health benefits require a hospitalisation event to trigger value. CarePass delivers measurable savings on the 95% of healthcare interactions that happen outside a hospital — every day, for every employee, regardless of age or health condition.

Also Check This: Why You Must Go Beyond "The Typical 5" Types Of Wellness Programs?

How Much Can You Actually Save?

The numbers are striking. A CarePass member can realistically save up to ₹50,000 every year through a combination of discounts across the network. Here's a representative breakdown of where those savings come from:

• ₹8,000–12,000 on Pharmacy & Medicines (annual)
• ₹5,000–9,000 on Diagnostics & Lab Tests
• ₹4,000–7,000 on Doctor Consultations (OPD + Tele)
• ₹3,000–6,000 on Dental & Vision Care
• ₹4,000–8,000 on Hospital OPD/IPD Savings
• ₹5,000+ on Wellness & Lifestyle Benefits

* Savings are indicative and may vary based on healthcare usage, family size, medical requirements, and partner network availability.

Even at conservative usage, be it a few pharmacy purchases, a couple of lab tests, and one or two doctor visits per month; the membership pays for itself multiple times over.

Must Read: How Cashless OPD Boosts Daily Productivity?

Four Plans. One Goal: Comprehensive Coverage.

CarePass is available in four tiers, allowing organisations to choose the level of benefit that fits their workforce's needs and budget. Every tier includes the core healthcare savings; higher tiers layer on specialist care, wellness, and preventive health.

The Base Plan — Everyday Essentials Covered

The entry-level tier gives members access to the three most-used healthcare touchpoints: pharmacy discounts, lab & diagnostic savings, and OPD consultation discounts. For organisations that want to give employees immediate, tangible savings without a large investment, the Base plan delivers clear, measurable value from day one.

The Prime Plan — Specialist Care Added

Prime extends the Base benefits with dental, vision, dermatology, and women's wellness benefits, plus lifestyle memberships. This tier is ideal for workforces where specialist visits are a regular need, which, in practice, means most working-age adults.

The Essential Plan — Unlimited Doctor Access

Essential adds unlimited teleconsultation, meaning employees can speak with a qualified doctor any time, from anywhere, without worrying about per-consult charges. In a post-pandemic world where remote-first work is the norm, this is a benefit that employees genuinely use, and genuinely value.

The Advantage Plan — The Complete Preventive Health Ecosystem

The Advantage plan builds on all previous tiers and adds one more critical element: an Annual Health Check-up. This transforms CarePass from a reactive savings tool into a proactive preventive health programme. Identifying conditions such as diabetes, hypertension, thyroid disorders, and anemia early is crucial because these ailments are remarkably prevalent among the workforce. By catching these issues sooner, individuals and organizations can avoid much higher medical expenses and significant drops in efficiency in the future.

"The Advantage plan doesn't just save money on healthcare — it proactively protects the health that makes savings possible in the first place."

The Network Behind the Promise

Discounts are only as good as the network delivering them. CarePass is supported by one of India's broadest networks of healthcare affiliates, encompassing everything from pharmacies and diagnostic labs to specialists, dental offices, eye care centers, and hospitals. This extensive reach covers more than 30,000 PIN codes across the country.

• 35,000+ Doctors (In-person)
• 8,000+ Doctors (Teleconsult)
• 8,000+ Diagnostic Centres
• 5,000+ Dentists
• 35,000+ Pharmacies
• 300+ Vision Care Stores

The network includes India's most trusted healthcare brands across pharmacy, wellness, diagnostics, and hospital care; ensuring members have premium options wherever they are in the country.

Insurance V/S Comprehensive Wellness Programs For Employee Well-being

Who Is CarePass Built For?

CarePass is purpose-built for organisations that want to go beyond basic group health insurance and deliver a benefit employees can use every single week, not just in emergencies.

Corporates

Enterprises and SMEs looking to strengthen employee wellness programmes, reduce healthcare-related absenteeism, and boost benefits competitiveness in a tight talent market.

NBFCs & Financial Institutions

Non-banking financial companies that want to offer value-added healthcare benefits to employees, partners, or customer segments as a loyalty and engagement lever.

Business Partners

Channel partners, distributors, and affinity groups seeking a high-perceived-value healthcare benefit to bundle into their own propositions or member offerings.

How Does CarePass Work? Simple as 1-2-3.

One of the most compelling aspects of CarePass is its frictionless design. There is no claims adjudication, no reimbursement cycle, and no network pre-authorisation. Here's the entire user journey:

1. Enrolment: The organisation enrolls employees. Each member receives their CarePass membership credentials in either a digital or physical format. The entire setup process is managed end-to-end by Truworth Wellness.
2. Visit Any Partner: The employee walks into any CarePass partner, such as a pharmacy, diagnostic lab, dental clinic, vision store, or hospital, or initiates a teleconsultation. They simply present their CarePass ID.
3. Instant Discount Applied: The discount or benefit is applied at the point of service. There are no forms to fill out, no bills to upload, and no waiting for reimbursement. The savings happen in real time at the counter.

The No-Paperwork Promise: In a country where healthcare claims processes are notoriously complex and slow, the instant and paperwork-free model of CarePass is not just convenient; it represents a fundamentally different philosophy. Benefits that employees cannot easily use are benefits that effectively do not exist. CarePass removes every barrier between the member and their care.

Why This Matters Now More Than Ever?

India is facing a dual healthcare challenge with escalating costs and a growing prevalence of chronic diseases. Conditions like diabetes, hypertension, obesity, anxiety, and musculoskeletal disorders are becoming more frequent among the working-age population. These issues benefit significantly from early detection and consistent management rather than just emergency care.

Traditional employee health benefits, such as group health insurance and hospitalization coverage, focus on acute medical needs. However, the majority of health interactions occur in the outpatient, preventive, and daily management sectors. This is where CarePass operates, targeting the area where employees feel the greatest financial impact.

For HR leaders and CFOs, the return on investment is clear. Every rupee saved on a pharmacy bill, lab test, or teleconsultation is money that remains with the employee. Across an entire workforce, these savings aggregate into a significant improvement in financial wellness, leading to lower financial stress, higher engagement, and reduced attrition.

"An employee who saves ₹3,000 on healthcare this month is an employee who didn't have to choose between a doctor's visit and a grocery run. That's the real value of CarePass."

The Bottom Line

CarePass by Truworth Wellness answers a question that HR leaders, benefits managers, and business owners have been asking for years: how do we give employees a healthcare benefit they'll actually use and value, without the complexity and cost of a full insurance product?

The solution is a membership that covers the entire range of daily healthcare. This spans from the Base plan, which handles pharmacy needs, diagnostics, and OPD visits, to the Advantage plan, which includes specialist care, unlimited teleconsultations, and annual health check-ups.

Supported by a network of over 35,000 doctors, 35,000 pharmacies, and 8,000 diagnostic centers across 30,000+ PIN codes in India, CarePass delivers on its promise regardless of where your employees are located.

There are no claims, no paperwork, and no waiting periods. Employees enjoy direct savings of up to ₹50,000 a year on the healthcare services that matter most.

Ready to Start Saving on Healthcare?

Join thousands of families and corporate teams saving on everyday healthcare across India. Get in touch with Truworth Wellness today.