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When we talk about health protection policy, the first thing that comes to mind is to get a policy with all the features you want at the lowest premium and the highest sum insured possibly.

From basic hospitalization expense to critical illness coverage and so on you want your entire family to be covered under a single health insurance plan. What else should be considered?

The insurance company you have chosen should be able to support you at the time of need. Which is why people take so much time to decide which company and which plan should be beneficial

The term "health insurance" can be easy and fast for insured individuals if they have chosen the right insurance company. Moving further, one more thing that makes the process easier is when you choose a health insurance company with a wide range of plans to choose from.

Religare Health Insurance is among one of the few names which are dedicated toward offering the best health care options to the people of all ages and sectors.  These health insurance plans by Religare health provide higher sum assured and make sure that you are covered from all the major illnesses and if not, then add ons benefits are there to help you gain the protection you want for yourself and your loved ones.

Overview of Religare Health Insurance Company

Religare Health Insurance is a standalone health insurance plans provide company having three entities including Religare Enterprises Ltd., Union Bank of India and Corporation Bank which have come together with affordable health plans for individuals and families. As health care expenses are increasing day by day, Religare Health Company Limited, considered to be one of the top health insurance providers in India with a wide range of health insurance results. From healthcare delivery to preventive well-being solutions, the company has a different market appearance due to its robust circulation ways.

Why Choose Religare Health Insurance Policy?

Before you get to know the type of plans and their benefits here are some major reasons why you should buy the Religare Health Insurance Plan:

  • Wide range of options to choose from:: Religare Health Insurance proposes a wide range of products to provide to the diverse needs of the customers in terms of health care and protection from medical emergencies.
  • Network hospital: Protected members can avail cashless hospitalization benefits at more than 5420 network hospitals over India.
  • Claim process:  Claim inquiries will be accompanied by Religare Health Insurance directly and there is no third-party involvement in the claim process making it an ideal option for people looking for better claim procedures.
  • Preventive healthcare: The company allows cover for preventive healthcare procedures such as yearly health checkup and diagnostic tests.

Also Read: - Best Family Floater Health Insurance Plans in India

Types of Health Insurance Plans Provided by Religare

Religare Health Insurance Company offers a host of Health coverage plans and services for meeting your particular health care needs. To choose a plan which is most suitable for you, examine various plans, their features, advantages, and premium. Health insurance plans offered by Religare Health Insurance are as follows:

1. Religare Care Plan (Comprehensive Family Health Insurance Plan)

This a comprehensive health insurance plan specially designed for families. The person opting for this plan is allowed to get auto renewal and free health check-up making it one of the most popular health insurance available for families.

Features if Religare Care :

  • Cashless treatment facility across 6000+ hospitals in India
  • Auto renewal and free annual checkups for the entire family.
  • Global health treatment benefits
  • Hassle free paperwork and premium payment
  • Recharge of sum assured - Covers treatment globally

Additional Benefits:

  • Inpatient hospitalization expenses
  • ICU expenses: Up to 2% of the sum assured or depending on the chosen coverage
  • Daily Cash Allowance (up to 5 days):
  • Ambulance cover with donor's expenses

2. Religare Joy Health Insurance (Maternity Cover Plan)

Just like its name Joy health plan from Religare helps you enjoy the newborn' arrival in the family with a compressive coverage for newborns and the mother in the network hospitals. If you are expecting a baby or planning a family, having this health insurance will totally make sense for better financial security while welcoming a new member in the family. This is maternity as well as newborn cover health plan along with health insurance, which comes in two variants.

  1. Joy Today: This plan comes with a sum insured of 3 to 5 lakhs with a waiting period of 9 months. This is individual covers which can be extended up to 6 persons if needed
  2. Joy Tomorrow: This plan comes with a sum insured of 3 to 5 lakhs with a waiting period of 24 months. This is individual covers which can be extended up to 6 persons if needed.

Features of Religare Joy Health Plan:

  • Get cashless hospitalization at more than 6000 network hospitals across India.
  • Combined benefits of hospitalization and maternity insurance.
  • Enjoy a 100% increase in sum insured with ‘No-Claim Bonus"
  • Complete cover for a new-born child.
  • Tax advantages & free look span of 15 days.
  • Pre-hospitalisation of 30 days and post-hospitalization of 60 days is also provided under the Religare joy policy

3. Religare Care Freedom (Senior Citizen Health Insurance Plan)

Comprehensive health insurance for senior citizens, this allows you, parents, to live their life to the fullest without any financial burden. Religare health in surface care freedom plan does not need any predetermined medical tests and the waiting period for pre-existing diseases is just for 2 years.  The best part of this plan is the three tenure option and three additional coverage choices up to 6 people under the same policy:

Features of Care Freedom Plan:

  • Gives 10% coverage for post and pre-hospitalization expenses.
  • Tax advantages on bonuses paid under section 80D under the Income Tax Act 1961.
  • Yearly check-ups for all grown-ups covered by the plan.
  • Recharge of sum assured without any additional premiums
  • Can also be used as a family floater or an individual plan
  • Covers Day care procedures, in-patient hospitalization for over a 24-hour period
  • Ambulance charges, Pre and post hospitalization expenses, and dialysis cover
  • Room charges along with nursing charges, ICU charges, surgeon’s fees, etc.

4. Religare Enhance Insurance

This plan is designed for already assured individuals looking for better coverage. The sum insured for deductible or existing policy would 1 to 10 lakhs.

Benefits of Religare enhance plan:

  • In patients care facility with day care treatment.
  • Pre-hospitalization for 30 days and post-hospitalization for 60 days is covered.
  • Room rent expense, ICU charges,  doctor's fee and more.

5. Religare Assure Health Insurance Plan

This is a fixed benefit health insurance plan offering critical illness coverage and personal accident cover with a sum insured between 5 lakhs to 1 crore.

Benefits of Religare assure health insurance:

  • This plan includes 20 critical illnesses to cover you from.
  • Gives you the option of arranging an additional doctor.
  • The plan gives the facility of free yearly health checkup for family and individual.
  • Income tax privileges are provided.

6. Religare Secure Health Insurance Plan

This is a plan designed for personal accident insurance coverage plan with value-added benefits for the policyholders.

Features of this plan are as follows:

  • In case of death, the sum assured is given to the legal beneficiary or nominee of the insured.
  • Ambulance costs are reimbursed.
  • Comes with a lifelong renewability feature.
  • Normal health plan benefits included

To understand each plan here is a table given below:

Religare Health Insurance

Entry Age

Policy Tenure

Sum Insured

Renewable and Additional Factors


 Health Insurance Care Plan

91 days upwards; no maximum entry


1 yr.

Rs.3, 4, 5, 7, 10, 15, 20, 25, 50 or

 60 lakhs

Lifetime / Individual or Family



 Health Insurance Enhance Plan

1 day upwards; no maximum entry age


Enhance 1: Rs.1 lakh to Rs.25 lakhs

 Enhance 2: Rs.6 lakhs to Rs.30 lakhs (depending on the policy)

Lifetime / Individual or Family



 Health Insurance Assure Plan

18 yrs. to 65 yrs.


(Secure 1: Rs.10 lakh / Secure 2:

 Rs.15 lakh, Rs.20 lakh,

Rs.25 lakh, Rs.30 lakh/ Secure 3: Rs.20 lakh, Rs.1

 crore, Rs.2 crore, Rs.3 crore / Secure 4: Rs.3 crore to Rs.25 crore)

Lifetime / Individual or Family



 Health Insurance Secure Personal Accident Plan

(Children 91 days to 24 years and

 Adults 18 to 70 years)

1, 2 or 3 years


Lifetime / Individual


 Health Insurance Group Secure Plan


1, 2 or 3 years


Lifetime / Individual or Family



 Health Insurance Joy Plan

(children 1 day to 24 days, Newborn 1

 days to 90 days, adults 18 years to 45 years_)

Joy Today: 3 years /Joy Tomorrow: 1

 year, 2 years, 3 years

Rs. 3 lakhs to 5 lakhs

Lifetime / Individual or Family



 Health Insurance Care Freedom Plan

Minimum age at entry for

 Individuals/floater policies: 46 years Minimum age of entry of proposer: 18


1, 2, or 3 years

Rs. 3 Lakhs and Rs. 5 lakhs

Lifetime / Individual Policy or

 Family Floater Policy (cover can be extended to a maximum of 6 family


Exclusions of Religare Health Insurance Plan

Before you start with the signing up process do read the exclusions below and see if the plan suits your requirement or not:

  • Any pre-existing disease within 30 days of policy start is not covered.
  • Any type suicidal attempts, self-inflicted injury is excluded.
  • Alcohol/ drugs / Smoking/ substance abuse related to diseases.
  • Congenital disease and  Infertility/HIV/AIDS-related infections or health conditions are excluded from the plans.
  • Injuries due to War/Nuclear Result/Strikes and more are not covered.

Now that you know how Religare has offered several plans for each individual and their family, it is better to choose after doing the comparison,  where you can compare between the best health insurance plan by Religare and make the right decision for your health and financial stability.

Just fill your details and requirements and Policyx will get you the most reliable and unbiased results within a few seconds.

Naval Goel is the founder of He is an Associate Member of the Indian Institute of Insurance`, Pune. He has been authorized by IRDA to act as a Principal Officer of Insurance Web Aggregator.
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