With regulatory approval, new Bengaluru health hubs and a Diamond OPD Membership, the healthtech firm sharpens its push to integrate first-line care with insurance
Bengaluru, NFAPost: In a significant regulatory and operational milestone, Clinikk, the Bengaluru-based healthtech company building what it calls India’s first integrated health system, has received approval from the Insurance Regulatory and Development Authority of India (IRDAI) to operate as a composite corporate agent. The approval allows Clinikk to partner directly with insurers to co-design insurance products that are clinically aligned and tightly integrated with its own care delivery network—marking a decisive step towards a more preventive, outpatient-first healthcare model in India.
The regulatory green light coincides with a phase of rapid expansion for the company. Clinikk has inaugurated three new Health Hubs in Bengaluru—HSR Layout, Basaveshwar Nagar and Sahakarnagar—taking its total footprint in the city to 12 centres. The new hubs were inaugurated by Tejasvi Surya, Member of Parliament, Bengaluru South, underscoring the growing policy and public interest in neighbourhood-based, technology-enabled healthcare delivery.
Bringing insurance closer to everyday care
Unlike traditional insurance models that largely activate only during hospitalisation, Clinikk’s approach centres on first-line outpatient care, where most health needs—and most health spending—actually occur. Nearly 80% of medical expenses in India are incurred outside hospitals, often without insurance coverage, a gap Clinikk is attempting to address by tightly integrating care delivery with coverage.
“First-line care is where health is built—it prevents complications, keeps families healthier and makes insurance meaningful,” said Bhavjot Kaur, Co-Founder, Clinikk. “The corporate agency licence allows us to unify care delivery with aligned insurance offerings and intervene earlier in the health journey, at scale.”
Kaur added that lowering barriers to everyday doctor access not only improves outcomes for patients but also creates a more sustainable risk pool for insurers by preventing minor issues from escalating into costly hospitalisations.
Diamond Membership: Predictable OPD care for families
Alongside the regulatory approval and hub expansion, Clinikk has launched its Diamond Membership, an annual OPD-focused programme designed to make day-to-day healthcare predictable and affordable for households. The membership covers doctor consultations, medicines, diagnostics, specialist referrals, treatment support and cashless servicesacross Clinikk Health Hubs and its partner network.
The offering is aimed squarely at working families and gig workers, segments that often fall between employer-provided benefits and traditional insurance coverage, yet require continuous outpatient care.
AI-led neighbourhood clinics
At the inauguration of the HSR Layout hub, MP Tejasvi Surya highlighted Clinikk’s emphasis on prevention and its use of artificial intelligence to support clinical decision-making.
“Clinikk is opening neighbourhood clinics that leverage artificial intelligence. What they are doing today is quite revolutionary,” Surya said. “Rather than focusing on building hospitals, they are focusing on prevention—small day-to-day lifestyle changes and early intervention—to ensure people don’t end up in hospitals. Of the platforms I have seen that use AI, Clinikk is one of the most advanced.”
Clinikk’s care model is built around protocol-driven medicine, with AI-assisted decision support for doctors, structured patient monitoring, and coordinated access to medicines, diagnostics and specialist pathways. The company believes this approach can reduce delayed treatment, unnecessary hospital visits and sudden financial shocks for patients.
Scaling ambition
Founded in 2018, Clinikk today serves over 500 organisations, has supported more than five lakh patients, and operates a growing network of physical health hubs complemented by digital care tools. With the IRDAI licence in place, the company expects a sharp acceleration in growth and is targeting ₹100 crore in premium over the next 12 months, driven by a mix of retail memberships and employer-linked offerings.
Looking ahead, Clinikk plans to expand into additional cities while deepening partnerships with insurers that are willing to move beyond episodic, claims-driven healthcare towards continuous, preventive and outpatient-led models.
As India grapples with rising chronic disease burdens and high out-of-pocket medical costs, Clinikk’s integrated approach—anchored in neighbourhood clinics, AI-led protocols and aligned insurance—signals a broader shift in how healthcare may be delivered, financed and experienced in the years ahead.
