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.

Wide Range of Sum Insured

You can choose from wide range of Sum Insured options starting from 2 lacs to 6 crores.

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.

Key Product Benefits to Check

Expenses before and after Hospitalization

You will get covered for all your claim related medical expenses 30 days before your hospitalization and upto 60 days after your discharge. This list may include follow-up visits, medication, diagnosis… etc.,

Treatment at home

You can make a claim for medical expenses for treatment at home which would otherwise require hospitalisation if the doctor advises that you are not in a condition to be moved to a Hospital / Hospital room may not be available when you need the medical treatment / The condition lasts and requires medical attention for at least three days .

Day Care Treatment

Insurance company will pay for more than 540 treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.

Organ Donor Cover

You can cover any expenses related to the organ donation or transplant in the range of INR 50,000 to INR 3,00,000, depending on the Sum Insured.

Restoration of Sum Insured

If your claim amount exhausts your coverage, this plan automatically recharges your sum insured, which you can use against claims for other ailments apart from your previous claimed ones. (This feature can be availed unlimited times by availing “Unlimited Automatic Recharge" Optional Cover)

Reimbursement of Ambulance Expenses

You can claim upto Rs.1500 to Rs.3000 (depending on Sum Insured) spent on ambulance charges per hospitalization. This would be helpful for advanced/better equipped medical support/aid required for rescuing your health condition.

Exclusions to note

Pre exisiting diseases

In the first 4 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 … only after 2 years.

Additional Covers Available

Global Coverage- Total

By opting for this cover, you can avail treatment or hospitalization expenses covered Outside India too. (Including United States of America)

Unlimited Automatic Recharge

With this cover, your sum insured can be automatically recharged unlimited times, when your coverage exhausts. If, due to the claims made, you ever run out of the sum-insured, Religare shall recharge your entire sum insured unlimited times in a policy year. This recharged sum-insured can be used for future claims, which are not related to illness/injury for which the claim has been made during the same policy year. Also note that unutilized sum-insured cannot be carry forwarded to any subsequent policy year.

Super No Claim Bonus

For every claim free year - you will be rewarded 50% of Sum Insured, which shall be awarded at the next renewal. Care Product has also got a default 10% of No Claim Bonus. So upon choosing the add-on cover 'No Claim Bonus-Super' you will be rewarded 60% of Sum Insured, each year if you make no claims. (*Maximum NCB can be 150%).

Everyday Care

Outpatient Consultations, Diagnostic Examinations, Doctor on Call anytime, Health Portal, Wellness offers ..etc can be availed at any network hospital or diagnotic center (upto maximum of 1% Sum Insured and co-payment of 20% are applicable).

OPD Care

With this cover, Religare will reimburse you the expenses you incurred on Outpatient Consultations, Diagnostic Examinations and Pharmacy (Maximum up to specified limit). You can claim for reimbursement twice every policy year.

Personal Accident Cover

You can cover yourself/ your spouse/ children against accidents which are never foreseen as they mean! You can choose a cover between the ranges of 'Sum Insured' to '10 times of Sum Insured' (subject to max of 3 crores), which shall pay you 100% of coverage amount in case of Accidental Death and Permanent total Disability on account of any accident/ injury.

Reduction in PED waiting Period

Choosing this optional cover reduces the waiting period of Pre-existing diseases of 48 months to 24 months. This cover will be available only at the time of inception of the policy and only for the sum insured chosen at that time.