QubeHealth: The Power to Pay

QubeHealth is an exclusive healthcare payments platform available only to employees of partner organizations. We help you manage and pay for your family’s medical expenses in a simple, transparent, and rewarding way. 1. Pay Healthcare Bills with QubePay Make seamless payments at eligible medical merchants across India, including pharmacies, clinics, diagnostic centers, doctors, and hospitals. ✅ Eligible Merchants: Pay at any healthcare and medical facility across India. ✅ Multiple Fund Sources: Flexible payment options for all healthcare-related bills. ✅ Instant Rewards: Eligible users may receive up to 10% Cashback or discounts on select transactions. ✅ Cashback Usage: Use your earned cashback on eligible healthcare payments within the app, subject to validity and caps. 2. Access Healthcare Credit Eligible employees may be enabled to access short-term healthcare credit for medical expenses through our regulated lending partners. ✅ Seamless Facilitation: QubeHealth facilitates credit services; loans are provided by regulated partners, not directly by QubeHealth. ✅ Quick Access: Access funds when you need them most, subject to partner approval. ✅ Transparency: View all repayment terms, schedules, and fees clearly within the app. 3. Loan Products & Terms (When Enabled) If your employer enables QubeCash or QubeCashless, the following parameters apply: ✅ Loan Amount Range: ₹5,000 to ₹10,00,000 ✅ Tenure: • QubeCash: 1 month to 12 months • QubeCashless: Maximum 3 months ✅ Fees & Charges: • APR: Nil (where applicable) • Processing Fees: Nil (where applicable) • Pre-payment Charges: Nil (where applicable) • Bounce Charges: ₹500 + GST • Outstation Collection: ₹500 + GST ✅ Representative Illustration: • Loan Amount: ₹50,000 • Tenure: 12 Months • Interest Rate / APR: 0% • Monthly EMI: ₹4,167 • Total Amount Payable: ₹50,000 • Total Cost of Loan: ₹0 4. How to Access the App QubeHealth is available exclusively to employees of companies that have subscribed to the platform. ✅ Registered Identity: Log in using the “Registered Mobile Number” or “Registered Email ID” shared by your HR team. ✅ OTP Login: Enter your registered details in the app and authenticate via OTP. ✅ Check Eligibility: If you are unsure if your employer is enrolled, contact your HR team or write to [email protected]. 5. Lending Partner & Redressal ✅ Lending Partner: Arogya Finance (RAMTIRTH LEASING AND FINANCE COMPANY PRIVATE LIMITED) ✅ Website: arogyafinance.com/industry-partners ✅ Headquarters: Mumbai, Maharashtra ✅ Grievance Officer: • Name: Venitto Chettiar • Email: [email protected]