These terms and conditions (“Credo Health Terms”) shall be applicable to all diabetes related medical and diagnostic services and/or other ancillary services and/or any other services provided on the Credo Health website, m-web and mobile application (collectively referred to as “Platform”), operated by Credo Health Services Private Limited and/or facilitated through its partner company or companies (also known as “Credo Health” or “Us” or “Our” or “We”) and availed by users (also known as “You” or “Your” or “User”) of the Platform.
This document is an electronic record in terms of Information Technology Act 2000, and rules thereunder as applicable and the provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures. Please read the Credo Health Terms and Credo Health Privacy Policy (collectively referred to as “Agreement”) carefully before availing Medical Services or accessing or using the Platform. Your use of the Platform and the Medical Services shall signify Your irrevocable acceptance of the Agreement
i. Please note that any and all information, material or details available on the Platform (except such information sought from a Registered Medical Practitioner) is not a substitute for medical care or advice and none of this information should be used for the purpose of self-diagnosis or treatment. Please seek and rely on medical advice sought from a Registered Medical Practitioner
ii. The details of the registered medical practitioners of Credo Health and/or third-party registered medical practitioners (collectively “Registered Medical Practitioners”), available on the Platform is not a recommendation or endorsement by Credo Health regarding the qualifications or the services provided by such practitioners and appointments booked by You to avail the Medical Services. This has been made by You voluntarily, at Your option.
You hereby provide Your consent to Credo Health to share (where required) the Medical Records and/or obtain/store Medical Records which includes the details recorded by the Registered Medical Practitioners in the course of the consultations and reports generated by Credo Health, its Registered Medical Practitioners engaged by Us, and upload such medical and sensitive information on the Platform. Additionally, You acknowledge that nurses, paramedical staff, diagnostic service providers, other persons employed or engaged by Credo Health for providing You services may also have access to the Medical Records and accordingly provide Your consent to share the Medical Records with such persons. You hereby provide Your consent to share/notify Your Medical Records (as monitored by Credo Health) with You through SMS / other messaging services including but not limited to, WhatsApp messaging services. All Medical Records shall be stored, used and disclosed only in the manner stipulated under the Credo Health Privacy Policy. You can choose to withdraw Your consent in the manner provided under the Credo Health Privacy Policy.
The Platform allows You to create a sub-account for family members and friends (“Secondary User”) also. The information and details regarding the Secondary User including their personal and sensitive information (such as name, age, date of birth, contact number, email address) and appointments on their behalf for Medical Services offered by Credo Health can be maintained by You on the account provided that You have been duly authorised by such Secondary User in this regard. For avoidance of doubt, You hereby unequivocally and unconditionally confirm that (i) the personal information added by You on the account in relation to each Secondary User has been added pursuant to the consent obtained by You from such Secondary User, or in case of persons who do not have the capacity contract under law, in Your capacity as the parent or legal guardian of such Secondary User, and (ii) the Secondary User has consented to You receiving the reports in relation to such Secondary User, and to Credo Health storing, possessing, sharing, using and accessing such information, reports and Medical Records as per the terms hereof. Once You provide the contact number of the Secondary User, the Secondary User will receive notification/SMS from Us with respect to appointments, Medical Records, etc.
The following Services are offered by Credo Health to You:
Medical Services and Other Services on the Platform may also have the following components (as applicable):
Credo Health, as part of its core philosophy, under its diabetes packages will strive for reversing Your diabetes once You opt for Medical Services. “Diabetes Reversal” for the purpose of Credo Health Terms shall mean maintaining an HbA1c below 6.5%, with the elimination of glycaemic control (diabetic) medications (except for Metformin which is used by individuals for reasons other than blood sugar control). To achieve reversal, You will have to strictly adhere to the Credo Health’s programme and Health Package over a period of 12 months or more depending upon the situation (on a case-to-case basis) and recommendation from the Registered Medical Practitioner. However, We do not guarantee any cure of diabetes since diabetes depends on multiple factors including but not limited to, behavioural and lifestyle changes and has all possibilities of recurrence.
Credo Health aims at improving Your general metabolic health and for achieving this objective, You may choose to participate in Experiments with the purpose of exploring and switching to healthier alternatives in relation to eating, sleep schedule, etc. and monitor Your glucose levels. Please note that participating in such Experiments is optional and can be discontinued at any point in time during the subsistence of Your Credo Health package. Credo Health does not promote/endorse consumption of any of the food items included in the Experiments, nor does it promote/ endorse any particular form of lifestyle. Results of Experiments may vary from person to person and are dependent on a number of factors other than Your food intake. Credo Health does not guarantee accuracy in results of Experiments and same shall not be construed as medical advice in any form, whatsoever.
Please note that We provide the above services through Our Platform. To ensure that We provide premium service to You, We may sometimes tie-up with other third-party hospitals and clinics for their expertise. You hereby consent to Us sharing Your Medical Records with such third-party hospitals or clinics, nursing homes or similar institutions without requiring any further action. Please note that We shall not be responsible for any pilferage of information or illegal dissemination of Your Medical Records by such third-party. If requested, We will provide You with the details of the third-party with whom We have shared Your Medical Records if You send an email to info@credo.health.
Please note that appointments for physical consultations and tele-consultations may not be advisable in cases of emergency or critical conditions since We cannot guarantee appointments. We shall not be responsible for any inconvenience or loss caused to You as a result of delay in medical evaluation or treatment.
Please further note that devices that may be provided as part of Medical Services are provided by third-party sellers licensed to sell said devices and Your usage of the said devices is governed by its own set of terms and conditions. Please read the terms and conditions for such devices prior to usage. Your usage of the same may be construed as Your consent to such terms and conditions.
You may cancel the appointments for the Medical Services prior to the appointment. The cancellation shall be governed as per the timelines mentioned on the Platform. You shall not be entitled to any refunds if appointments are cancelled after the period as specified in the timeline provided on the Platform.
You may reschedule the appointments for the Medical Services prior to the appointment, subject to availability of a time slot/registered medical practitioner for appointment. Timelines mentioned on the Platform shall govern such rescheduling of appointments.
You expressly understand and agree that, to the maximum extent permitted by applicable law:
Credo Health shall provide all Services and shall ensure that all Services are provided, professionally and in compliance with applicable law. If despite such care and due diligence the reports generated by Credo Health or any partner of Credo Health or any part thereof is found to be incorrect or incomplete, the total liability of Credo Health shall be limited to carrying out a retest of the sample provided or carrying out another test using such method which can provide reasonably error free results, free of cost. The selection of the alternative test shall be made by Credo Health at its sole discretion. All medico legal liability attributable to Registered Medical Practitioner engaged by Us shall be the sole responsibility of such Registered Medical Practitioner.
You hereby acknowledge that under no circumstances shall Credo Health or its employees, consultants, agents or officers be liable for any direct, indirect, special, punitive, or consequential damages that result in any way from Your use of or inability to use the Services or to access the Medical Records or Your use of any ancillary Services provided on the Platform.
You further agree and confirm that Credo Health shall not be responsible, in any manner whatsoever, for any delay in performance or failure to meet its obligations under this Credo Health Terms which may be caused, directly or indirectly, due to:
You agree that any violation by You of these Credo Health Terms will constitute an unlawful and unfair business practice, and will cause irreparable harm to Us and/or Our third-party partners, as the case may be, for which monetary damages would be inadequate, and You consent to Credo Health obtaining any injunctive or equitable relief that they deem necessary or appropriate in such circumstances. These remedies are in addition to any other remedies that the Credo Health and/or its third-party partners may have at law or in equity. If Credo Health and/or third-party partner takes any legal action against You as a result of Your violation of these Credo Health Terms, they will be entitled to recover from You, and You agree to pay, all reasonable attorneys’ fees and costs of such action, in addition to any other relief that may be granted.
The Credo Health Terms will continue to apply until terminated by either You or Credo Health as set forth below:
In the event You come across any abuse or violation of these Credo Health Terms or if You become aware of any objectionable content on the Platform or if You wish to report a grievance regarding Platform, please report the same to the following e-mail id: info@credo.health.
You hereby expressly agree to receive communications by way of SMS/WhatsApp and/or e-mails from Credo Health, and other third parties relating to the Platform and Services provided through the Platform. You can unsubscribe/ opt-out from receiving communications through SMS/WhatsApp and/or e-mail anytime by e-mailing to info@credo.health.
Notice: All notices from Credo Health will be served by email to Your registered email address or by general notification on the Platform. Any notice provided to Credo Health pursuant to the Credo Health Terms should be sent to info@credo.health with subject line – Attention: TERMS OF USE.
Assignment: You cannot assign or otherwise transfer the Credo Health Terms, or any rights granted hereunder to any third-party. Credo Health’s rights under the Credo Health Terms are freely transferable by Credo Health to any third-party without the requirement of seeking Your consent.
Severability: If, for any reason, a court of competent jurisdiction finds any provision of the Credo Health Terms, or any portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of the parties as reflected by that provision, and the remainder of the Credo Health Terms shall continue in full force and effect.
Waiver: Any failure by Credo Health to enforce or exercise any provision of the Credo Health Terms, or any related right, shall not constitute a waiver by the Credo Health of that provision or right.
17.1 Notification. We respect the rights of third parties in their intellectual property. If You have an intellectual property rights-related complaint about material posted on the Platform, You may contact Us at the following address: No. 92/1A, Konappana Agrahara, Electronic City Post, Bengaluru, Karnataka, India – 560100 E-mail: info@credo.health. Any notice alleging that materials hosted by or distributed through the Service infringe intellectual property rights must include the following information:
(a) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other right being infringed;
(b) a description of the copyright-protected work or other intellectual property right that You claim has been infringed;
(c) a description of the material that You claim is infringing and where it is located on the Platform;
(d) Your address, telephone number, and email address;
(e) a statement by You that You have a good-faith belief that the use of those materials on the Service is not authorized by the copyright owner, its agent, or the law; and
(f) a statement by You that the above information in Your notice is accurate and that, under penalty of perjury, You are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf.
17.2 Repeat Violations. Credo Health will promptly terminate without notice the accounts of users that are determined by Credo Health to be a “repeat violator”. A repeat violator is a User who has been notified of infringing activity or has had User Content removed from the Platform at least twice.
17.3 Nothing contained in this clause may be perceived as a limitation to the ability of Credo Health to suspend User accounts for User content violations in the first instance.
The Platform may also allow You to display, use, include or make available content, data, information, applications or materials from third parties, including, without limitation, content, data, information, applications or materials (“Third-Party Materials”). By requesting an import of Third-Party Materials, You agree that We may import that information from the applicable third-party service. Credo Health may also provide tools through the Platform that enable You to export information, including User Content, to third-party services. By requesting an export of information, including User Content, to third-party services, You agree that We may export that information to the applicable third-party service. Third-party services are not under Our control, and We are not responsible for any third-party service’s use of information You provide or information You export or disclose. When You use any Third-Party Materials or third-party services, You do so at Your own risk and You understand and agree that You are solely responsible for reading, understanding, and complying with any terms of use and/or privacy policies that apply to such third parties’ terms of use and privacy policy. The Platform may also contain links to third-party websites. Linked websites are not under our control, and We are not responsible for their content. Credo Health is not responsible or liable for the availability, reliability, content, functions, accuracy, legality, appropriateness, services, materials or any other aspect of such Third-Party Materials or third-party websites that link to or from the Service or are otherwise referenced on the Platform. Credo Health also does not accept any responsibility for technical failures or for unauthorized access of User transmissions by any third parties. If You choose to use Third-Party Materials and third-party websites together with the Platform, such use is entirely at Your discretion and risk.
If You violate any provision of these Terms, Your permission from to use the Platform will terminate automatically. In addition, Credo Health may in its sole discretion terminate Your User account on the Platform or suspend or terminate Your access to the Platform at any time, with or without notice. We also reserve the right to modify or discontinue the Platform, any features thereof, or any Services at any time without notice to you. We will have no liability whatsoever on account of any change to the Platform or any suspension or termination of Your access to or use of the Platform. You may terminate Your account at any time by contacting customer service at info@credo.health. If You terminate Your account, You remain obligated to pay all outstanding fees, if any, relating to Your use of the Platform incurred prior to termination.
Your use of the Platform is subject to all additional terms, policies, rules, or guidelines applicable to the Platform or certain features of the Platform that We may post on or link to from the Service (the “Additional Terms”), such as end-user license agreements for any downloadable software applications, or rules that are applicable to a particular feature or content on the Platform. All Additional Terms are incorporated by this reference into, and made a part of, these Terms.
We reserve the right, at Our sole discretion, to change or update these Terms from time to time. Please check these Terms periodically for changes or updates. Immaterial modifications are effective upon publication. If a change or update to these Terms materially modifies Your rights or obligations, We will update the “last updated” date at the top of this page and make reasonable efforts to notify You that material changes have been made to the Terms. Your continued use of the Platform after any such change or update constitutes Your acceptance of the new Terms. If You do not agree to any of these Terms or any future Terms, do not use or access (or continue to access) the Platform.
The Platform is owned and operated by Credo Health Services Pvt Ltd. The visual interfaces, trademarks, graphics, names, logos, marks, content (other than User Content), design, compilation, information, data, computer code (including source code or object code), products, software, services, and all other elements of the Service (“Credo Health Materials”) are the intellectual property of Credo Health Services Pvt Ltd and are protected by intellectual property and other laws. All Credo Health Materials contained in the Platform and all trademarks, service marks, patents, copyrights and any and all other intellectual property rights and proprietary material related thereto are, and will remain, the exclusive property of Credo Health Services Pvt Ltd or Our third-party licensors. Except as expressly authorized by Credo Health Services Pvt Ltd. You may not copy, republish, post, display, translate, transmit, reproduce, distribute or otherwise make use of the Credo Health Materials. The information displayed on the Platform is for Your personal use only. Credo Health Services Pvt Ltd reserves all rights to the Credo Health Materials not granted expressly in these Terms. If at any time, You make any submissions, including but not limited to suggestions, feature ideas, bug reports, comments, You assign all rights in these submissions to us. Credo Health Services Pvt Ltd shall be entitled to use such submissions for any purpose, whatsoever, without compensation to the maker. In any event, such submissions are not and will not be treated as confidential and We will not be liable for any disclosure of submissions.
We act as a technology platform to connect You with Medical Practitioners who may be available to provide You with certain non-emergency medical care, however Credo Health is not itself a healthcare provider, and the Medical Practitioners are solely responsible for providing You with any medical care and treatment You receive in connection with Your use of the Service. We do not manage, control or interfere with the practice of medicine by the Medical Practitioners, each of whom is responsible for the professional medical services he or she provides. The information provided by Credo Health as part of the Credo Health Materials and through the Platform is for general informational purposes only. None of the Credo Health Materials should be considered medical advice or an endorsement, representation or warranty that any particular medication or treatment is safe, appropriate, or effective for you.
You agree that You will be responsible for Your use of the Platform, and You agree to defend and indemnify Credo Health from and against every claim, liability, damage, loss, and expense, including reasonable attorneys’ fees and costs, arising out of or in any way connected with: (a) Your access to, use of, or alleged use of, the Platform; (b) Your violation of any portion of these Terms, any representation, warranty, or agreement referenced in these Terms or any applicable law or regulation; (c) Your violation of any third-party right, including any intellectual property right or publicity, confidentiality, other property, or privacy right; or (d) any dispute or issue between You and any Third-Party. We reserve the right, at Our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by You (without limiting Your indemnification obligations with respect to that matter), and in that case, You agree to cooperate with Our defense of that claim.
Credo Health is required to comply with applicable healthcare privacy and security laws and maintain safeguards to protect the security of Your health information. Additionally, the information You provide to Your Medical Practitioner during a medical consultation is legally confidential, except for certain legal exceptions as more fully described in Our Notice of Privacy Practices. We devote considerable effort toward ensuring that Your personal information is secure. Information regarding Our use of health and other personal information is provided in Our Privacy Policy and Notice of Privacy Practices, currently available on Our website. As part of providing You the Services, We will communicate to You via email and text message. Email and text messages are not secure methods of communication and Credo Health cannot ensure the security or confidentiality of messages sent by email and/or text message. Information, including personal health information, transmitted by email or text message is not encrypted and could be read by a Third-Party. If You would prefer not to exchange personal health information via email or text message, please notify Us at info@credo.health.
While the platform facilitates access to certain medical practitioners for non-emergency medical care, Credo Health is not a healthcare provider and cannot and does not diagnose or treat your health conditions. Credo Health provides no endorsement, representation or warranty that any particular medication or treatment used by the medical practitioners is or will be safe, effective or appropriate for you. Do not use the platform or services for medical emergencies. If you think you may have a medical emergency, call the contact number for emergency services in your region immediately. The platform and all Credo Health materials and all content available through the service are provided “as is” and on an “as available” basis, without warranty or condition of any kind, either express or implied. To the extent allowed by law, Credo Health disclaims all warranties of any kind, whether express or implied, relating to the platform and all Credo Health materials and content available through the platform, including: (a) any implied warranty of merchantability, fitness for a particular purpose, title, quiet enjoyment, or non-infringement; and (b) any warranty arising out of course of dealing, usage, or trade. Credo Health do not warrant that the platform or any portion of the service, or any Credo Health materials or content offered through the platform, will be uninterrupted, secure, or free of errors, viruses, or other harmful components, and do not warrant that any of those issues will be corrected. You assume all risk for any damage that may result from your access to, use or misuse of, or inability to use the platform, your dealings with any medical practitioner or other user, and any Credo Health materials or all content available through the platform. You understand and agree that you use the platform, and access, download, or otherwise obtain Credo Health materials or content through the platform and any associated sites or platform, at your own discretion and risk, and that you are solely responsible for any damage to your property (including your computer system or mobile device used in connection with the platform), or the loss of data that results from the use of the platform or the download or use of that material or content. Some jurisdictions may prohibit a disclaimer of warranties and you may have other rights that vary from jurisdiction to jurisdiction. To the extent that we may not disclaim any implied warranty, the scope and duration of such warranty will be the minimum permitted by law.
In no event will Credo Health be liable to you for any indirect, incidental, special, consequential or punitive damages (including damages for loss of profits, goodwill, or any other intangible loss) arising out of or relating to your access to or use of, or your inability to access or use, the platform or any Credo Health materials or content on the platform, including but not limited to any medical advice or treatment by the medical practitioner, whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, and whether or not Credo Health has been informed of the possibility of damage.
In the absence of our gross negligence or wilful misconduct, you agree that the aggregate liability of Credo Health to you, for all claims arising out of, or relating to, the use of or any inability to use, any portion of the platform or otherwise under these terms, whether in contract, tort, or otherwise, is limited to the greater of: (a) the amount Credo Health has received for your access to and use of the platform in the twelve months prior to the claim; or (b) ten thousand rupees (Rs 10,000/-).
Credo Health shall in no event be liable to you (or to any third-party claiming under or through the you) for any indirect, special, incidental, consequential or exemplary damages arising from your use of, or inability to use the platform. These exclusions apply to any claims for lost profits, lost data, loss of goodwill, work stoppage, computer failure or malfunction, or any other commercial damages or losses, even if Credo Health knew or should have known of the possibility of such damages, because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the extent permitted by law.
Each provision of these terms that provides for a limitation of liability, disclaimer of warranties, or exclusion of damages is to allocate the risks under these terms between you and Credo Health. This allocation is an essential element of the basis of the bargain between us. Each of these provisions is severable and independent of all other provisions of these terms. The limitations in this section 18 will apply even if any limited remedy fails of its essential purpose.
You alone are responsible for Your communications, interactions, agreements, representations, promises or any other involvement with other Users. Credo Health reserves the right, but has no obligation, to monitor disagreements between You and other Users. If You have a dispute with one or more Users, You irrevocably and forever release Credo Health from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.
These Credo Health Terms shall be governed by the laws of India. In the event of any dispute between the Parties in relation to these Terms, the courts in Bengaluru shall have exclusive jurisdiction.
MS, FRCS (Glasgow)
Health Insurance Expert
Chairperson – Health Sub Committee CII – Southern Region
Advisory Committee Member of NABH ,
Co-Founder and Formerly MD of Star Health Insurance
Dr. S. Prakash is a respected healthcare leader with over 30 years of experience in both Healthcare and Health Insurance. Known for his strategic vision and commitment to improving healthcare access, he has been a transformative figure in the industry.
As Co-Founder & Managing Director of Star Health Insurance, Dr. S Prakash guided the company through exceptional growth, increasing Gross Written Premiums from USD 2 million in 2007 to USD 1.56 billion by 2023. He also led the company through a successful IPO in 2021. A key achievement during his tenure was the launch of South India’s first Mass Health Insurance Scheme, providing coverage to 126 million people through a network of over 1,000 hospitals.
Dr. S Prakash has held leadership roles in several prestigious professional bodies, including Chairperson of the CII Tamil Nadu Healthcare Panel and Convenor of the FICCI Tamil Nadu Insurance Panel. He is also a Member of NABH’s Advisory Committee, where he continues to influence healthcare standards.
With clinical experience across the Middle East, Singapore, and Malaysia, Dr. S Prakash is also a published researcher. His numerous accolades include the World Health Day Award of Excellence, presented by the President of India, for his contributions to health insurance.
Outside of work, Dr. S Prakash enjoys reading, music and TT, which help him maintain a balanced approach to life and leadership
MBBS, MD – General Medicine, CIDC
Credo Health deploys technology powered by artificial intelligence for managing diabetes effectively.
Their multi-functional team of counselors, health coaches, nutritionists, pharmacologists, physiotherapists, and clinical psychologists ensure that their members have a better quality of life!!
BE (Computer Science), MS, MBA
With a personal history of Diabetes and being overweight, Leo started Credo Health with the vision of bridging the gap between chronic conditions and their management. He has been working towards reducing the burden of chronic disease management on patients by making convenient and cost-effective management plans accessible to all.
Apart from his contribution to the chronic care industry, he also plays an active lead role in companies like eQuadriga Software and Emagine Infotech. He has also been a part of Pentafour Technologies and GFT Technologies in the past. His core strengths are Interpersonal Skills, People Management, Crisis Management, Business Operations. He has also represented India four times at various G20YEA Summits.
He was the Chairman of the Confederation of Indian Industries (CII), Trichy. Leo is also a philanthropist, and a strong supporter and contributor to foundations like Young Indians Trichy, TiE Chennai, and PMI Chennai Chapter.
Leisure for Leo means globetrotting, working on his farm, reading books about technology, and testing the latest gadgets and gizmos in the market.
MBBS, MD, eMBA – General Management, CCEBDM
Dr. Raj is the Medical Director of Credo Health. He has previously worked with Ranbaxy Laboratories, Novo Nordisk India Pvt. Ltd., Novo Nordisk International Operations AG, and Intuiwise Healthtech India Pvt. Ltd.
Just like Walter White, the character from his favorite show Breaking Bad, Dr. Raj is kind, caring and timid, but also demanding, calculating, and ruthless when it comes to his work.
In his experience of over 13 years, he identifies his core competencies as Medical Affairs, Clinical Research and Development, Product Strategy and Launch, Medico-Marketing, Publications, Budget Management, Project Management, Market Research, Artificial Intelligence (AI) Healthcare, Medical Insights, and Medical Excellence—we can call him Raj of all trades.
He has several papers published in journals. Listed below are a few of them:
Dr. Raj is a man who knows how to have fun and cook up some work goals too! He loves his cricket, movies, web series, and music – all of which rejuvenate him to keep being the best at what he does – things we all need in our lives.
MBBS, MBA
The ‘doctor’ preneur who always needs to have a solution for everything, JKC as he is called, is now at Credo Health as the Director – Product from 2021. He has played a significant role in researching, wireframing, prototyping, and developing a ‘one-stop solution for all chronic care needs – the Credo Health App.
With an experience of over 15 years, he has been battling contemporary challenges—like high costs, poor patient experience, and variable clinical quality that the healthcare delivery system faces—using his clinical knowledge and management acumen. Furthermore, with his strengths of problem-solving in Healthcare, Solutions for Masses, Strategy, Partnerships, Virtual Health Care, and Mentoring start-ups, he has helped several organizations by providing superior medical outcomes.
When he is not thinking about ways to help people with chronic conditions, he likes to ponder on the workings of the world. He is also keen on Human Relations, Dancing, and Cooking.
B.Sc. (PCM), IIMC-EPLM (Leadership Program)
With close to two decades of experience in the field of Marketing, Navneeth is the Director – Sales & Marketing at Credo Health. He has played a pivotal role in taking organizations like Wockhardt Pharmaceuticals, Amway India, Herbalife, Biocon, and Janacare Solutions to the next level in the market.
Navaneeth has significant experience in Marketing, Product Management, Branding, Lead Generation, Strategic Planning, and Revenue Management. He is also a dynamic public speaker and team motivator.
He spends his free time reading books, singing, or playing cricket, which allows him to de-stress and stay motivated.
MBA (e-Business)
Dinesh, the Director of Technology at Credo Health, has over 26 years of experience, during which he has served at organizations like Microsoft, Unisys, and 3i-Infotech, with a drive for entrepreneurship. He is a Solutions Architect, Product Manager, Strategist, and Specialist in Digital Solutions, Artificial Intelligence (AI) & Machine Learning (ML), as well as Cloud and Healthcare Technology.
Solving problems with unbreakable patience and a calm approach, Dinesh makes sure that everything is implemented with absolute precision. He enjoys sharing his knowledge with his team members and also understanding perspectives through debates.
When not helping his team of engineers, Dinesh likes to learn about the latest in technology. Dinesh’s passion for travelling, farming, and reading is surpassed only by his love of movies, good music, and web shows.
Executive General Management (IIM-B), Registered Dietitian (USA), Masters in Food &Nutrition
Arpita is the Nutrition Head at Credo Health with over 15 years of experience in the field of Health & Nutrition across diverse organizations in India and the USA. Her core strengths include Medical Nutrition Therapy, Research, Community-based Health Interventions, Scientific Brand Management and Consumer-friendly Communications. She is also skilled in functional management with core business skills and competencies.
Arpita firmly believes that healthy eating is important for both physical and mental health. She has seen firsthand how poor nutrition can impact someone’s health, and is dedicated to helping others develop a positive relationship with food.
Through her work at Credo Health, she is committed to providing precision nutrition and counselling to empower people to make healthy choices. Arpita is always looking for new ways to mentor and support her team members. She is also a member of the Indian Dietetic Association and the American Dietetic Association.
When she is not busy sculpting a healthier world, she enjoys watching movies and reading.
MBBS, DNB – General Medicine, Diploma in Tuberculosis and Chest Diseases (DTCD)
Credo Health is a digital therapeutic platform powered by artificial intelligence. They monitor the patients’ clinical parameters on a continuous basis, and manage diabetes effectively.
I strongly recommend all diabetic patients to enroll with Credo Health to manage your diabetes better!!
MBBS, MRCP (UK), CCST (Int – Medicine) (London), CCST (Diabetology & Endocrinology) (London)
Dr Suresh Damodharan is a highly experienced endocrinologist and diabetologist who has worked in some of the most prestigious hospitals in the UK. He is currently a consultant at Sri Ramakrishna Hospital in Coimbatore, and also holds an honorary position at Derriford Hospital in Plymouth.
Dr Damodharan has a wealth of experience in treating patients with diabetes and other endocrine disorders and is widely respected within the medical community. He is committed to providing the highest standard of care for his patients and takes a personal interest in each and every case.
If you are looking for expert treatment from a leading endocrinologist, then Dr. Suresh Damodharan is the perfect choice.
MBBS, MD, PGCDM CC – Diabetology (Australia)
Dr Syed Javaz is a Chief Consultant Diabetologist working in the field for many years. He obtained his MBBS and MD from Bangalore Medical College and Research Institute Bangalore University. He then went on to pursue his PGCDM. Dr Javaz is passionate about diabetic treatment, care, research and education. He is the Founder and Director of Diabetes Chemistry Research and Education Foundation, Bangalore.
Additionally, he is the Chief Patron of the Karnataka Diabetic Foundation. Consequently, Dr Javaz has a lot of experience and knowledge regarding diabetes. He is highly respected by his peers and patients alike.
MBBS, MD – General Medicine, CIDC
Credo Health helps to reverse diabetes, especially in prediabetic patients. I have seen many diabetic patients who completely stopped their insulin medication with Credo’s intervention over a period of 3 months.
Credo facilitates early detection and prevention of complications in diabetic patients with focus on diet and exercise through compliance.
MD, DNB, MNAMS,
Triple FRCP (Edinburgh, Glasgow, London)
Dr Manohar K N is a distinguished physician and diabetologist from Bangalore, India, who is associated with Manipal Hospital. He has expertise in the areas of Diabetes, Hypertension, Obesity, Heart disease, and infectious diseases. His commitment to patient care and professional excellence is demonstrated through his various accomplishments, such as conducting CMEs for peers, being an examiner for the MRCP UK & DNB Medicine, and his special interest in research and publication.
Dr Manohar K N is also a strong advocate of health education through media outlets such as television and radio programs. His ongoing commitment to public awareness is reflected in his various articles on current health issues published in newspapers.
With his vast knowledge, experience and passion for making a difference in the healthcare industry, Dr Manohar K N is truly a leader in the field of diabetes and other related medical disciplines.
MBBS, DFM, CCGDM
Dr Farah Adam Mukadam is a consultant in Family Medicine practicing at Kauvery Hospital, Electronic City, Bangalore.
Dr Farah has more than 5 years of experience as a family physician in Bangalore She has completed MBBS from KMC, Manipal, and DFM from Medvarsity, Tamil Nadu. She has also completed courses in Gestational Diabetes Mellitus (CCGDM) & Evidence Based Diabetes Management (CCEBDM), both certified by Public Health Foundation of India.
Dr Farah has authored the book Newborns and New Moms, an urban Indian woman’s guide to life after childbirth, scientifically validating our time-honored, new-mother-and-baby-care traditions.
BE, MS, PhD
Dr. Lalitha Krishnamoorthy is a seasoned technologist with over 20 years of experience at IBM Corporation, where she directed IBM’s Digital Business Transformation strategy and oversaw numerous portfolios. Her key strengths are technology strategy, business transformation, global markets expansion, incubating & advising startups, executive leadership coaching, artificial intelligence neural networks, and venture capital investment.
She is the Co-Founder and CEO of OpenTeams Global, responsible for driving Open Source innovation, expanding partner networks across global business markets, defining portfolio investment strategies, and delivering transformative client experiences.
On the social front, Dr. Lalitha serves on the champions board of the Texas Girls Collaborative Project at the University of Texas, Austin motivating women to pursue STEM careers.
Dr. Lalitha holds a PhD in Neuro-Symbolic Machine Learning Artificial Intelligence with several invention patents; she sits on the Austin Venture Capital Board, regularly speaks at industry conferences, and is a strong advocate for diversity & inclusion with a mission to make technology equitable for everyone.
When Lalitha is not working, you will find her catching up on reading or riding her bike around town.
MBBS, MD, MRCP (London, UK)
Dr TR Hemkumar is a Consultant Physician and Diabetologist—who specializes in Internal Medicine—currently working at Jeevika Hospital and Sakra World Hospital, located in Bangalore. He has more than 16 years of overall experience, including 11 years as a specialist.
Dr Kumar is also:
While the implementation and effects of modern innovations in medicine is Dr Kumar’s particular interest, the Fusion of Medicine and Technology is his heart and soul.
A prestigious member of the Karnataka Medical Council, Dr Kumar also specializes in the following, among many others:
He gained immense experience in Intensive Cardiac Care while working as a Registrar in the Cardiology Department of Manipal Hospital, Bangalore. He is a strong promoter of evidence-based medicine which he also puts into practice at work.
Dr TR Hemkumar is an energetic, enthusiastic, and patient-oriented physician and diabetologist, dedicated and focused on patients’ well-being with his clinical skills.
MBBS, MD
Dr I. A. Khan, Medical Director, Consultant Physician & Diabetologist, has an experience of 30 years.
He obtained his MBBS and MD from Bangalore Medical College and Research Institute Bangalore University, before going on to pursue his PGCDM.
Dr I. A. Khan is passionate about diabetic treatment, care, research, and education. He has vast experience and knowledge in the field of diabetes and is highly respected by his peers and patients alike.
MBBS, MD
Dr Tejas Suresh Rao is a General Physician and Internal Medicine in Basaveshwara Nagar, Bangalore, with 13 years of experience.
He practices at two places in Bangalore—Punya Hospital in Basaveshwara Nagar, and Apollo Clinic in Sadashiva Nagar.
Dr Rao obtained his MBBS degree from Kempegowda Institute of Medical Sciences (KIMS), Bangalore, in 2005 and an MD in General Medicine from MS Ramaiah Medical College in 2010.
Dr Tejas Suresh Rao is a member of the Karnataka Medical Council (KMC), and serves as a physician.
MBBS, Fellowship in Diabetology
Dr Hameed Miyan is a popular diabetologist in Kadugondanahalli, Bangalore, who has had many happy patients in his 23-year career.
He holds an MBBS degree, a Diploma & Fellowship in Diabetology, and has completed an Advanced Certificate Course in Prevention and Management of Diabetes & Cardiovascular Disease (ACMDC).
Dr. Hameed Miyan can be personally met at Sidra Diabetic Center in Kadugondanahalli, Bangalore, and is passionate about diabetic treatment, care, research, and education.
MBBS, DTM & H (UK), DTCD (UK)
Dr Mir Iftekhar Ali is a popular diabetologist in Frazer Town, Bangalore, who has had many happy patients in his 40-year career.
He can be personally met at Nilofar Polyclinic & Day Care Centre in Frazer Town, Bangalore, and is passionate about diabetic treatment, care, research, and education.
Dr Mir Iftekhar Ali has vast experience and knowledge in the field of diabetes, and is highly respected by his peers and patients alike.
M.R.C.P (U.K)
Dr Shaik Akther Feroz is a Consultant Physician in the field of Internal Medicine, with more than sixteen years of extensive experience, having worked in India, the UK, and the UAE.
Dr Feroz graduated from Hyderabad, and after completing his M.R.C.P from the U.K., he worked extensively in the field of family practice, both in India and abroad, in various positions.
He secured the privilege of being appointed as a personal physician to the Governor of a northern state in the Middle East. After serving overseas for several years, Dr Feroz decided to return with a mind to serve his motherland.
He started an organization with the motto of providing quality care and promoting the practice of evidence-based medicine. Dr Feroz has a tremendous passion for technology and likes to keep up with the latest happenings.
He works with many healthcare solution providers to create software solutions. Dr Shaik Akther Feroz established Dr Levine Memorial Hospital with a vision for it to become the roadmap for giving Indian primary healthcare a facelift.
MBBS, MD (General Medicine)
Dr Suresh CH is an experienced Intensivist and General Medicine practitioner, having served at Kauvery Hospitals, Nano Hospitals, and Sunshine Healthcare Clinic in Bangalore for over 11 years with distinction.
Not only does he provide exceptional care for his patients, but he also shares his medical knowledge through talks and seminars. Dr Suresh has published multiple scientific papers in various journals, which earned him a Poster Presentation at the renowned event of SZAPICON 2013 – highlighting both professional excellence & commitment to patient well-being!
Above all else, though, it’s evident that what sets him apart from many others is the time taken to understand each case carefully while explaining in detail every step of the consultation process.
MBBS, MD (Internal Medicine), PGDD (UK)
Dr K Vijay Kumar is a Consultant Physician and Diabetologist—who specializes in Internal Medicine—associated with Greenview Medical Hospital (HSR Layout), Diabetacare (Koramangala), Jeevika Hospital (Marathahalli), and Narayana Medical Centre, all located in Bangalore.
A Member of American College of Physicians (MACP)—with an MD in Internal Medicine from Manipal Academy of Higher Education and a PG Diploma in Diabetes from Cardiff University, UK—Dr Kumar has more than 20 years of overall experience, including 12 years as a specialist in the field of diabetology.
Dr Kumar has been the Honorary Secretary of the Karnataka Chapter of the RSSDI (KRSSDI) since 2021, also having served as Governing Council Member, Organizing Secretary, and Organizing Committee Member within the KRSSDI. He was also the Chairperson for KRSSDI’s “3D – Diabetes Awareness Award” (Dysglycaemia Detection Drive) program in 2017 & 2022 – an attempt to detect diabetes across the state.
Additionally, he also plays an active role in academic contributions and achievements in both the national and state RSSDI, through scientific papers, oral and poster presentations, and as speaker and faculty member at National and State forums.
Besides the KRSSDI, he also serves as the Secretary of DISHA continued medical education.
Dr Kumar is a strong believer in ethics and, as a health provider, considers being ethical as a value not just to be remembered but to be strongly observed, which he also puts into practice at work.
Dr K Vijay Kumar is lauded and recommended by his patients for his down-to-earth approach, attention to detail, relevant questioning about health problems, and for never prescribing unnecessary antibiotics, medicines, and tests.
MBBS, MD (General Medicine)
Dr Deviprasad Hegde is a General Physician specializing in Internal Medicine and Critical Care with more than 20 years of experience.
Dr Hegde practices at three hospitals in Bangalore—Prashanth Hospital in Bommanahalli, Sri Sai Ram Hospital in Bannerghatta Road, and Kauvery Hospital in Electronic City—and performs treatment and procedures for various health issues as a General Physician.
He has handled numerous complex medical cases and is known for attention to detail, accurate diagnosis, and treating patients with empathy. All of these have made Dr Hegde gain the confidence of his patients.
Dr Deviprasad Hegde actively attends local and statewide seminars to stay current with the latest techniques and treatment planning.
MBBS, MD (General Medicine), DM (Endocrinology)
Dr Tejaswi V is a specialist in endocrinology and diabetology, with more than 3 years of experience. He is currently available for consultation at Kauvery Hospital in Electronic City, Bangalore.
Equipped with MBBS from GMC, Mysore, MD in General Medicine from PGIMER, Chandigarh, and DM in Endocrinology from AIIMS, New Delhi.
Dr Tejaswi has performed extensive research and published several paper presentations. The most notable of his achievements is the “establishment of a comprehensive chronic lymphocytic leukemia clinic at a tertiary referral center in India” that featured in the medical journal Blood Advances published by the American Society of Hematology in 2018.
MBBS, MD (General Medicine)
Dr Aswath Kumar C is a senior consultant in Internal Medicine and specializes in Medicine & Nephro-Diabetology.
With more than 25 years of experience, Dr Kumar currently works at Kauvery Hospital in Electronic City, Bangalore.
Equipped with an MBBS from AIMS, B G Nagar and an MD in General Medicine from KIMS, Bangalore, his expertise covers Diabetes, Kidney Diseases, and Allergic Respiratory Diseases.
Dr Kumar has attended numerous national and international conferences conducted by prestigious medical bodies like ADA (American Diabetes Association), EASD (European Association for the Study of Diabetes), IDF (International Diabetes Federation) and ERS (European Respiratory Society) at the US, Portugal, Abu Dhabi, and Europe (Vienna, Munich, Amsterdam, Milan, Madrid, Barcelona, Paris, and London).
MBBS, MD
Dr CK, as he is fondly known, is a critical care specialist and a seasoned entrepreneur with over three decades of experience. His core strengths are Strategy, Mergers & Acquisitions, New Initiatives, Business Development, and Leadership Team Building. He is the Founder and Chairman of Kauvery Group of Hospitals.
He has been the chairman of significant professional bodies like CII for the South India Healthcare Panel, CII Tamil Nadu State Council, CII Tamil Nadu Healthcare Panel, and CII Trichy Zone. He is also a longstanding and valued member of the IMA and the Equitable Healthcare Access Consortium.
Listed below are some of the prestigious positions he has held in social organizations
Dr CK is a man of many interests, and when he’s out of the office you can find him reading books or playing some sports. His favorite pastimes are golfing with friends on weekends to recharge after weeks spent working hard at work.