Key Highlights

Cashless Treatment at 4900+ Network Hospitals

You don’t have to pay even a single paisa from your own pocket in more than 4900+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.

Day Care Treatments

Insurance company will pay for more than 170+ treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.

No pre-policy medical test

No medical check up is required for all ages and sum insured.

Key Product Benefits to Check

Pre-hospitalization expenses

You will get covered for upto 7.5% to 10% of your coverage for all the claim related medical expenses before your hospitalization.This list may include follow-up visits, medication, diagnosis… etc.,

Post-hospitalization expenses

You will get covered for upto 7.5% to 10% of your coverage for all the claim related medical expenses after hospitalisation.

Annual Health Check-up

All your insured family members above 18 years of age can avail health check-up once every year, irrespective of claims made.

Reimbursement of Ambulance Expenses

You can claim upto Rs. 1000 spent on ambulance charges per hospitalization. This would be helpful for advanced/better equipped medical support/aid required for rescuing your health condition.

Recharge of sum insured

You get automatic recharge of sum insured if claim amount exhausts your coverage limit, at no extra cost.

Companion Benefit

In case you or any of the insured members are admitted into Hospital for treatment of any one illness or injury and if the hospitalization exceeds 10 days, lumpsum amount for companion benefit of Rs.10000-15000 will be payable.

Dialysis Cover

You can claim upto 1,000 per sitting limited upto 24 consecutive months for the dialysis expenses incurred by you. You cannot claim for this, if the Kidney disease is identified as Pre Existing Disease.

Exclusions to note

Pre exisiting diseases

In the first 2 years of subscription, Religare will not pay for treating medical conditions that you may have been suffering from, before purchasing the policy.

30 days waiting period

You can only claim for treatments of accidental injuries for the first 30 days after taking the policy

2 years waiting period

This policy covers some diseases/treatments like Cataract, Hysterectomy, Kidney Stone, Varicose veins … only after 2 years.

Maternity

Maternity/ Pregnancy/ child birth related medical expenses are not covered in this Policy.

Additional Covers Available

Good Health +

With this cover you can get up to 8 doctor consultations in any of the Network Hospitals, up to a specified limit with a Co-payment as per the base plan.

Home Care

Religare will reimburse the expenses incurred towards hiring a qualified Nurse with the purpose of providing care and convenience to perform Insured Persons daily activities, subject to maximum of 7 days per illness/injury & maximum 45 days per policy year after a deductible of 1 day

Health Check +

This is an additional cover to Annual Health Check. With this you can upgrade your checkup to either Diabetes Health Checkup or Cardiac Health Checkup.

FAQ’s

Is there any tax benefit?

Yes. Premium paid under the Policy shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments thereon.

Why is it necessary for me to disclose my current health status correctly and accurately while I buy a health insurance policy?

Insurance is a contract of utmost good faith. It always pays to be honest. Declaring the correct and accurate health status at the time of buying health insurance ensures smooth processing of your application. This will also help us service you in a better manner.

What is beneficial for me - floater insurance or an individual insurance?

Buying an individual cover or a floater cover is an individual's perception. However, as a general rule, at younger ages floater cover is advisable. As you grow older, you should go for an individual cover.

What is the eligibility criteria for the policy?

Minimum entry age for the policy is 46 years with no limit on the maximum age.

What is Co-payment?

Health Insurance companies use Co-Payment after insured member turns a certain age. Co-pay is that part of your claim amount, which you have to bear. Co-pay can be in % terms or an absolute amount. For example, in case of co-pay of 20% and claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10K) and you will bear 20% (Rs. 2,000). In Religare Health Insurance policy there is No Co-payment ever, in policy Sum Insured Rs. 2/3/4 Lacs.For Sum Insured > Rs. 4 Lacs, there will be no co-payment ever, if insured with us before age of 61.

How does the Auto recharge work?

Religare will automatically recharge the sum insured, in case the sum insured and any no claim bonus accumulated is exhausted during the policy year. The sum insured will be recharged once in a policy year. Recharge Sum Insured can be used for future claims and not against an illness/disease (including its complications) for which a claim has already been made in the current policy year.