Health Insurance
We believe in complete 'Care' for you & your family
With Religare Health Insurance plan's comprehensive coverage, speedy claim settlements and much more, you can be rest assured you will be worry-free 'hamesha' and get industry's best features.
‘Care’ - Health Insurance Policy has unique features like -
‘Care’ - Health Insurance Policy has unique features like -
- Cashless treatment at 4000+ hospitals & Daily allowance
- Auto recharge of your policy Sum Insured, if exhausted
- Get health check-ups for insured members, every year
- Avail treatment anywhere in the world
- Day care procedures also covered - 170
- No 'Claim based' loading ever & Get Lifetime renewability
- No paperwork. Buy & get policy online in 2 mins
Care - Health insurance policy comes with a wide range of benefits for you. Kindly refer to the below table.
| Plan Options | ||||
Features (Sum Insured  ) | 3 Lac, 4 Lac | 5 Lac, 7 Lac, 10 Lac | 15 Lac, 20 Lac, 25 Lac | 50 Lac, 60 Lac |
|---|---|---|---|---|
| Pre-hospitalisation | 30 days | 30 days | 30 days | 30 days |
| Post-hospitalisation | 60 days | 60 days | 60 days | 60 days |
| Day Care Treatments | Yes | Yes | Yes | Yes |
| Room Rent | 1% of SI per day | Single Private Room | Single Private Room Upgradable to Next Level | Single Private Room Upgradable to Next Level |
| ICU Charges | 2% of SI per day | No Limit | No Limit | No Limit |
| Doctor's Fee etc. | No Limit | No Limit | No Limit | No Limit |
| Other Medical Charges | No Limit | No Limit | No Limit | No Limit |
| Daily Allowance | 500 per day upto 5 days | - | - | - |
| Ambulance Cover |  1,500 per claim | 2,000 per claim | 2,500 per claim | 3,000 per claim |
| Domiciliary hospitalisation | Up to 10% of SI | Up to 10% of SI | Up to 10% of SI | Up to 10% of SI |
| Organ Donor Cover | 50,000 | 1,00,000 | 2,00,000 | 3,00,000 |
| Annual Health Check-up | Yes | Yes | Yes | Yes |
| Second Opinion | - | Yes | Yes | Yes |
| No Claim Bonus | Yes | Yes | Yes | Yes |
| Auto-Recharge of Sum Insured | Yes | Yes | Yes | Yes |
| Care Anywhere | - | - | - | Yes |
| Policy Terms | |
| Minimum entry age | 91 days |
| Maximum age | No age bar |
| Renewal | Lifelong Renewability. The Policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA. |
| Renewal premium | Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA. |
| Co-payment | No Co-payment in policy Sum Insured 3/4 Lacs, for any age. No Co-payment in policy Sum Insured > 4 lacs ever, if insured with us before age of 61. If above 61 while getting insured with us 1st time, - you will have to pay 20% of the claim amount under the policy, if any. We pay the rest. |
| Waiting period | 30 days for any illness except injury |
| Waiting period for pre-existing illnesses | Four years of continuous coverage |
| Change in sum insured | You can enhance your sum insured under the policy only upon renewal |
| Grace period | 30 days from the date of expiry to renew the policy |
For more details, kindly refer to our health insurance Policy's terms & conditions.
The standard policy exclusions are -
- Any pre-existing illness.
- Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.
- Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- Medical expenses incurred for treatment of AIDS
- Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
- Congenital disease
- Tests and treatment relating to infertility and in vitro fertilization.
- War, riot, strike, nuclear weapons induced hospitalization.
