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Disclaimer: zAppy.care partners directly with Leading Health and Wellness service providers (wherever needed) that guarantee services to its members in exchange for agreed payment or subscription. Group Personal Accident and Insurance Plans are provided by partner Insurance company, as may be applicable. The logos, trademarks and brand names (other than that of zAppy.care) indicated are of their respective owners and zAppy.care is using the same merely for description. Assured OPD Benefits: With any zAppy OPD & Wellness Plan you either get eligible for OPD Expense Limit (Open Wallet for OPD expenses) as per opted Plan benefits or in rare scenarios if your OPD Expense Limit is rejected (as per our internal eligibility criteria), you get 100% refund worth zAppy OPD Plan Cost as Cashback (zAppy Coins). Additionally, our members continue to avail our Bespoke 30+ Wellness Benefits (including unlimited doctor on call, etc.,) along-with Personal Accident Insurance of min. Rs. 1 Lac. Any Un-used OPD Limit will get rolled over to next year, subject to renewal of existing zAppy Plan.