Version 2.0. Last updated 2 September 2026. Please read these terms before joining Ramya.
Ramya · Version 2.0 (draft for review) · Last updated: 2 September 2026
By joining Ramya, paying for a membership, or using any part of our website, member portal, consultations or support channels, you confirm that you have read, understood and agreed to these Terms of Service and to our Privacy Policy. If you do not agree, please do not join.
Ramya is operated by RAMYA HEALTHCARE (OPC) PRIVATE LIMITED, a One Person Company incorporated in India under the Companies Act, 2013.
Registered office: Eldeco Estate One, 46 Ground Floor, GT Road, Ludhiana, Punjab 141008, India.
CIN: [to be inserted on incorporation]
Clinical services are delivered by Dr. Rahul Garg and by any other practitioner engaged or empanelled by the company from time to time.
In these Terms, "Ramya", "we", "us" and "our" mean the company named above. "You", "your" and "member" mean the person holding a Ramya membership.
Ramya is a separate business from Dr. Rahul Garg's independent clinical practice in Ludhiana. Any consultation, treatment, fee or arrangement outside Ramya is not covered by these Terms.
Ramya is a paid membership for continuing, doctor led health care. A membership gives you:
Care under a Ramya membership may include homoeopathic treatment and, where provided by a practitioner qualified in that system, allopathic treatment. Ramya does not promise a cure for any condition, and nothing on our website, in our communications or in any consultation should be read as a guarantee of a particular medical outcome.
Ramya is not an emergency service.
Ramya is not a hospital, a diagnostic laboratory, an insurance product, a pharmacy, or a replacement for in person examination where one is clinically required.
Ramya does not replace treatment you are already receiving from another doctor. Never stop, change or reduce a prescribed medicine because of anything said in a Ramya consultation, unless your treating doctor has agreed.
Your Ramya doctor may tell you that your situation needs in person examination, a laboratory test, a specialist, or emergency care. If that happens, we will say so plainly and, where we can, help you find the right person. Ramya does not cover the cost of that outside care.
If you are having a medical emergency, do not message Ramya. Call 112 or go to your nearest hospital immediately.
Signs that need emergency care include, and are not limited to, chest pain, difficulty breathing, severe bleeding, sudden weakness or loss of speech, loss of consciousness, a severe allergic reaction, or thoughts of harming yourself.
Our WhatsApp line and our consultation calendar are not monitored around the clock and must never be treated as an emergency contact.
To hold a Ramya membership you must:
People under 18. A person under 18 may receive care under Ramya only as a member of a household where a parent or legal guardian is the payer and is recorded as their guardian in our system. The guardian consents on the minor's behalf and can see that minor's plan and consultation records.
Location. Ramya is offered under Indian law and is designed for people living in India. If we find that you are ordinarily resident outside India, we may end your membership. In that case we will refund the unused portion of what you have paid, calculated as set out in clause 16, after deducting the value of any consultation or medicine you have already received.
Ramya has one membership. What changes is how long you commit for.
| Commitment | Price | Consultations included |
|---|---|---|
| Monthly | ₹5,549 per month | 2 per month |
| Quarterly | ₹13,549 per 3 months | 6, plus 2 complimentary on first purchase and 1 on each renewal |
| Annual | ₹50,549 per year | 24, plus 6 complimentary on first purchase and 4 on each renewal |
All prices are per person and are inclusive of applicable taxes unless stated otherwise at checkout. Prices may change for new memberships and at renewal. We will tell you before a price change affects you, and you may cancel rather than accept it.
Longer commitments are priced lower per month. That discount is given in exchange for the commitment, and clause 16 explains what happens to it if the commitment ends early.
One person, the payer, may add family members to a household.
Privacy inside a household. The payer can see billing for the whole household. The payer cannot see another adult member's health plan, consultation notes or medical records. The only exception is a recorded guardian of a minor, who can see that minor's clinical records.
The payer may remove a member, and any adult member may ask to be removed. Removal ends that person's seat at the end of the current billing period.
Format. Consultations take place by video call. Your first consultation runs about 60 minutes and covers your history, current medicines, lifestyle, family history and priorities. Follow up consultations run about 30 minutes.
Booking. You book through your member portal. Slots are offered only after our system confirms that you have a consultation available to use.
Spacing. There must be at least 7 days between two of your consultations.
Pacing. Consultations are released evenly across your commitment rather than all at once, so that a longer plan cannot be used up in a single month. In practice this means two consultations per month for every plan.
Expiry. Consultations included in your plan, and complimentary consultations, expire at the end of the billing period they belong to. They do not roll over.
Not transferable. A consultation belongs to the named person it was issued to. It cannot be given to another person, including a member of the same household.
Rescheduling. You may reschedule free of charge with at least 24 hours notice.
Late cancellation and no shows. If you cancel with less than 24 hours notice, or do not attend, that consultation is treated as used.
If we have to reschedule. If we cancel or move a consultation, it is not counted as used and we will offer you the next available slot.
Availability. Consultations are ordinarily offered Monday to Saturday, 12:00 to 19:00 IST. These hours may change.
If you have used your included consultations, you may purchase additional ones at ₹1,049 each, up to two per calendar month.
Purchased consultations are paid for separately and do not expire. They carry forward for as long as your membership is active. The 7 day spacing rule still applies.
Where your doctor considers it appropriate, medicine is dispensed as part of your membership and delivered to the address you give us. There is no separate charge for medicine dispensed under your plan.
Medicine is conditional. It is provided when the doctor judges it appropriate for you, and not on request. A membership is not a subscription to a product; it is a subscription to care.
Delivery. Medicine is despatched by courier. We will share a tracking number in your portal. We are not responsible for delays caused by the courier, weather, strikes or other events outside our control, and a delayed delivery does not by itself entitle you to a refund.
Your responsibility. Keep your delivery address current in your portal. Follow the instructions given to you for how and when to take what you are sent. Tell your doctor about every other medicine, supplement or treatment you are taking, and about any allergy. If you have a reaction of any kind, stop and contact us, and seek emergency care if the reaction is severe.
Medicine dispensed to you is for you alone and must never be shared with another person, inside or outside your household.
WhatsApp support runs Monday to Saturday, 10:00 to 19:00 IST, with a reply within one working day.
WhatsApp is for questions about your plan, your schedule, your delivery and your account.
WhatsApp is not for new symptoms, prescriptions, dose changes or anything that needs clinical judgement. Those need a consultation. WhatsApp is not monitored outside the hours above and is never an emergency channel.
Payments are processed by our payment provider. We do not see or store your full card, UPI or bank details.
Monthly and quarterly memberships renew automatically on the mandate you authorise at checkout, until you cancel. You may cancel at any time, and clause 13 explains what happens then.
Annual membership does not renew automatically. It is a single payment. We will remind you before it ends, and you choose whether to renew.
If a payment fails, we will try again and tell you. If it keeps failing, your membership may be paused or ended, and access to booking stops while it is unpaid.
You may cancel at any time from your member portal. No phone call and no email is required.
Cancellation takes effect from the following month. The current month always counts as used, whether or not you took a consultation in it, and you keep full access until the end of it.
Cancelling stops future billing. Whether you receive money back is governed by clause 16.
Where we offer a pause, it is at our discretion and only on monthly and quarterly memberships. A paused membership does not accrue consultations. Where your payment mandate does not allow us to restart a paused membership ourselves, you will need to restart it from your side.
Your doctor may decline to treat, may refer you elsewhere, or may end your membership where that is the right clinical decision, for example where your condition needs care that Ramya cannot properly provide. In that case you receive a pro rata refund of the unused portion of your membership.
We may also end your membership immediately, without refund, if you:
If you cancel within 7 days of your first payment and you have not yet had a consultation, you get everything back. No questions.
Once a consultation has happened this no longer applies, because the thing you bought has started.
Monthly membership. Cancelling stops the next payment. The month you are in is not refunded.
Quarterly and annual membership. You are refunded the balance of what you paid. The months you have already used are charged at the full monthly rate of ₹5,549, not at the discounted rate you paid.
The discount on a longer plan exists because of the commitment. If the commitment ends early, the discount goes with it.
| Plan | Cancelled after | Months charged | Refund |
|---|---|---|---|
| Quarterly ₹13,549 | 1 month | ₹5,549 | ₹8,000 |
| Quarterly ₹13,549 | 2 months | ₹11,098 | ₹2,451 |
| Annual ₹50,549 | 4 months | ₹22,196 | ₹28,353 |
| Annual ₹50,549 | 9 months | ₹49,941 | ₹608 |
At roughly 2.4 months on a quarterly plan, and roughly 9.1 months on an annual plan, the calculation reaches zero and there is nothing left to refund.
Included and complimentary consultations expire at the end of their period, do not roll over, and have no cash value.
Additional consultations bought at ₹1,049 never expire while your membership is active. Unused ones are refunded at the price paid. Used ones are not refundable.
A consultation you did not attend, or cancelled with less than 24 hours notice, counts as used and is not refunded.
A consultation we cancelled or moved is never counted as used.
Medicine dispensed under your membership carries no separate charge, so there is nothing to refund for it. It is part of the plan, not a product sold to you.
For safety reasons, medicine that has been despatched cannot be returned or refunded, in line with standard practice for medicines.
If a delivery arrives damaged, or does not arrive, tell us at members@ramyacare.in and we will send a replacement at no cost to you.
If you cancel a renewal within 48 hours of it being charged, and you have not had a consultation in the new period, we refund it in full.
A new price applies from your next renewal, never mid period. We tell you before it happens. If you do not want to pay it, cancel before the renewal date and nothing further is charged.
Refunds go back to the original payment method used, ordinarily within 7 to 10 working days of approval, though your bank may take longer. We do not refund to a different account, card or person than the one that paid.
Email members@ramyacare.in from the email address on your account. We acknowledge within 48 hours and decide within 7 working days. If you disagree with our decision, escalate to the Grievance Officer named in clause 23.
You keep permanent read only access to your own health plan, your consultation history and your documents in the member portal. You cannot book consultations.
If you return later, you rejoin on the terms and prices current at that time, and you are treated as a renewing rather than a first time member for the purpose of complimentary consultations.
You agree to:
Care given on the basis of incomplete or inaccurate information may be wrong for you. We are not responsible for the consequences of information you did not give us.
How we collect, use, store and protect your information is set out in our Privacy Policy at ramyacare.in/privacy, which forms part of these Terms.
In short: your health information is visible to you and to your treating doctor, is stored securely, is never sold, and is never shared with advertisers. We keep clinical records for as long as required by law and by good medical practice.
We record your consent at the time you join, including the version of these Terms you agreed to. When these Terms change materially, we will ask you to consent again.
Consultations are delivered over third party video conferencing. Payments are processed by a third party payment provider. Email, messaging and scheduling use third party services. Those providers are named in our Privacy Policy.
We use software tools, including artificial intelligence tools, to help draft, organise and review plan documents and internal notes. Every plan and every clinical decision is made and approved by your doctor. Software does not diagnose you, does not prescribe for you and does not make decisions about your care.
Video consultations are not recorded unless we tell you and you agree.
The Ramya name, logo, website, portal, documents, plan formats and all associated material belong to us. Your personal health plan is yours to keep and use for your own health. You may not copy, republish, resell or distribute our material, or use our name or branding, without our written permission.
Nothing in these Terms limits any liability that cannot be limited under Indian law, including liability for death or personal injury caused by proven negligence, or for fraud.
Subject to that, our total liability to you in connection with your membership is limited to the amount you have paid us in the twelve months before the event giving rise to the claim.
We are not liable for loss caused by events outside our reasonable control, including internet or power failure, courier delay, or the acts of third party providers.
If something has gone wrong, tell us first. Most problems are solved quickly.
Write to members@ramyacare.in. We will acknowledge within 48 hours and aim to resolve within 15 days.
If you are not satisfied, escalate to our Grievance Officer:
Grievance Officer: Dr. Rahul Garg
Email: members@ramyacare.in
Address: Eldeco Estate One, 46 Ground Floor, GT Road, Ludhiana, Punjab 141008, India
We may update these Terms. The current version always lives at ramyacare.in/terms with a version number and date.
If a change materially affects your rights, we will tell you before it applies to you and ask you to agree again. If you do not agree, you may cancel, and clause 16 applies.
These Terms are governed by the laws of India. The courts at Ludhiana, Punjab have exclusive jurisdiction over any dispute arising out of them.
If any part of these Terms is found unenforceable, the rest continues to apply.
If we do not enforce a term straight away, that does not mean we give up the right to enforce it later.
These Terms, together with the Privacy Policy and the plan details shown to you at checkout, are the whole agreement between us.
You may not transfer your membership to another person. We may transfer our rights and obligations to another company, for example if the business is restructured or sold, and your rights under these Terms will not be reduced.
RAMYA HEALTHCARE (OPC) PRIVATE LIMITED
Eldeco Estate One, 46 Ground Floor, GT Road, Ludhiana, Punjab 141008, India
Member support: members@ramyacare.in
Company and statutory: corporate@ramyacare.in
Website: ramyacare.in