Health Plan

health_planPrevention is better than cure, focus on your loved ones' health today

A Health Plan helps take care of an individual's day-to-day preventive and pre-hospitalisation medical expenses. A Health Plan member benefits by getting services of high quality doctors, dentist, pathology and radiology at significantly reduced cost. It covers virtually all doctor specialisations without any exclusion criteria like age, present medical condition etc.

Why choose a Health Plan?

  • Be guided as per your requirements to some of the best medical practitioners in India.
  • Avail of free or subsidised medical consultations/ treatments across the network of empanelled medical practitioners.
  • No restrictions based on age or present or past medical condition – suitable for all family members.
  • No pre-defined spending limits or lengthy claim procedures.


Erum provides you Health Plans in association with Indian Health Organisation Private Limited (IHO) to take care of all your preventive and pre-hospitalisation expenses. For the first time ever, be guided as per your requirements to a wide network of the experienced medical practitioners in India, all at zero or subsidised costs. Avail of these benefits at doctors, dentists and pathology/ radiology laboratories – with no age limits, no exclusion for pre-existing diseases, no limits on usage, IHO card Health Plans are surely the answer to take care of yourself and your loved ones' healthcare needs. The IHO card Health Plan offers the following benefits across its network of IHO empanelled medical practitioners, dentists and laboratories:

Dental Benefits

  • No consultation fees charged by any dentist.
  • 50% off on any Cleaning and X-rays at dentists.
  • 30% (min 25%) off on all dental treatments.

Medical Benefits

  • 2 consultations absolutely free with empanelled doctors every membership term, or.
  • 50% off on all consultations with empanelled doctors.
  • 20-25% off on any further treatments with doctor within clinic.

Radiology 30% (min 20%) off on all radiology tests.

Pathology Benefits 30% (min 20%) off on all pathology tests.

Preventive Health Check-Up Benefits Health checkup vouchers as an enrollment benefit offering 50% savings on body check ups. There are special vouchers designed for women as well.

Dial – a – Doctor Receive medical advice related to routine or minor illnesses instantly over the phone from a qualified medical practitioner.

2nd Opinion For critical diseases, if you want a second opinion, you could get this free of cost from the IHO panel of doctors.

The IHO Health Plan network presently covers the following cities: Mumbai, Delhi, Gurgaon, Noida, Faridabad, Bangalore, Chennai, Kolkata, Pune, Hyderabad, Ahmedabad, Cochin, Jaipur, Vadodara, Surat, Sonepat, Ghaziabad & Chandigarh. With more than 1,800 of the finest medical practitioners in the country empanelled, the IHO network is perhaps bigger than the largest hospitals in India.

Important announcement are goes here