Question 1

What is Raksha Assist?

Accepted Answer

Raksha Assist is India's leading emergency medical and accident assistance membership program by Mindwhile IT Solutions Pvt. Ltd. It provides hospital-direct financial support during serious accidents and medical emergencies. It is NOT insurance — it is a membership-based assistance program that complements government schemes like PMSBY, PMJJBY, and Ayushman Bharat.

Question 2

How is Raksha Assist different from insurance?

Accepted Answer

Raksha Assist is a membership program, not insurance. We provide immediate hospital-direct financial support without paperwork or waiting for reimbursement. There are no claim forms. In an emergency, just press SOS or call +91 81437 52025, and we coordinate directly with the hospital.

Question 3

How much does Raksha Assist membership cost?

Accepted Answer

Raksha Assist membership plans start from ₹1,999/year for individuals. Family plans start at ₹4,999/year, and senior citizen plans from ₹5,999/year. We have 32 plans across 14 categories: Individual, Family, Senior Citizen, Travel, Gig Worker, Student, Construction Worker, Agriculture Worker, Government Scheme Gap Filler, Women Safety, Couple, Shopkeeper, Domestic Help, and Driver. All plans range from ₹1,999 to ₹14,999 per year. Plus 40 add-on benefits starting ₹399.

Question 4

How does Raksha Assist complement government schemes?

Accepted Answer

Government schemes like PMSBY (₹20/yr) provide ₹2 lakh for accidental death but zero for treatment costs. PMJJBY provides death benefit but nothing for hospitalization. Ayushman Bharat covers ₹5 lakh but only at empaneled hospitals. Raksha Assist fills these gaps by covering actual treatment costs at any partner hospital — the costs government schemes don't cover.

Question 5

How does Raksha Assist work in an emergency?

Accepted Answer

Step 1: Press the SOS button in the app or call +91 81437 52025. Step 2: Our 24/7 team responds immediately. Step 3: We coordinate with the nearest partner hospital. Step 4: We pay the hospital directly — you focus on recovery, no paperwork needed. Accident support starts from Day 1.

Question 6

What is the refund policy for Raksha Assist?

Accepted Answer

Raksha Assist offers a 15-day free look period for new members with a full refund, no questions asked. After 15 days, a pro-rata refund is available with a ₹500 processing fee. Refunds are processed within 7-14 business days. No refund if an SOS case has already been filed.

Question 7

Can I become a Raksha Assist agent or franchise partner?

Accepted Answer

Yes! Agents earn 15% commission on every membership enrollment with monthly payouts. Franchise opportunities are available at City (₹2 lakh), District (₹5 lakh), State (₹10 lakh), and Zone (₹25 lakh) levels with 3-6% recurring commission. Visit rakshaassist.com/agent-terms or rakshaassist.com/franchise-terms for details.

Question 8

Is Raksha Assist available across all of India?

Accepted Answer

Yes, Raksha Assist is available across India with a network of partner hospitals. Our headquarters is in Koramangala, Bangalore, Karnataka. Emergency helpline +91 81437 52025 is available 24/7 in English, Hindi, and Telugu.