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Investment in health insurance is one of the best investments. Now a day with the education flow in the society, everyone is getting aware of the importance of planning a secure and healthy tomorrow along with a healthy today. Religare Health Insurance is a joint venture of Religare Enterprise Private Ltd., Union Bank of India and Corporation Bank from 2012 onwards.
Religare got the IRDA approval in July 2012 and has been among the five private sector insurers to underwrite policies exclusively in health, personal accident and travel insurance segments. Religare health insurance co. Ltd. Specializes in many insurance products and mainly in health insurance. Insured can have the benefit of a long - term investment with the Religare Health Insurance. Religare Health Insurance Plans are available in a range of individual and family floater plan, which insured can choose as per requirement.
|Pre-existing diseases||4 years|
Religare Health Insurance Policy is designed in a transparent and flexible manner in order to meet the expectation of every customer. There is a plan with different coverage offer and anyone can choose the best suitable plan as per the requirement. We all are different and we all have different requirements in terms of what we eat, wear and the kind of health insurance cover that we look for. Hence, Religare Health insurance offers different cover for different requirements. Following are the plans which are offered by the Religare Health Insurance
Religare Care Health Insurance - Life is all about good and bad experiences with loved ones. It is very important to treasure the memories with your loved ones but along with the same, it is very important to secure their future. Religare Care Health Insurance is a comprehensive health insurance policy that ensures the safety of the policyholder and family against financial risks arising out of a medical emergency. Religare Care Health Insurance ensures that whilst the policyholder or ensured is unwell; Religare Care Health Insurance takes care of all the hassles that are related to the medical treatment for the same so that he/ she can stay worry free and focus only on the health recovery without any other worry.
Benefits and features of the Religare Care Health Insurance
Eligibility of the Religare Care Health Insurance
Minimum eligibility age of the Religare Care Health Insurance for the individual is 5 years and there is no maximum eligibility age. Any one who is 18 years or above can propose for the Religare Care Health Insurance policy.
|Entry Age||91 days upwards; no maximum entry age.|
|Policy Period||1 yr.|
|Medical Screening||Individual or Family Floater|
|Basis||Individual or Family Floater|
Exclusions of the Religare Care Health Insurance Policy
Senior citizen nurtures our society with love, care and their experience. They focus on their family and children for the whole life. Religare Care freedom: Senior Citizen Health Insurance is the best way to secure your loved ones at old age and even to plan your old age problems related to health.
Benefits and Features of the Religare Care freedom : Senior Citizen Health Insurance
Eligibility of Religare Care freedom : Senior Citizen Health Insurance
Anyone who is a minimum of 46 years can get the Religare Care freedom : Senior Citizen Health insurance for an individual and floater basis while the maximum eligibility is lifelong.
|Plan||Care 8||Care 9|
|Sum Insured (SI)||3 Lacs||5 Lacs 7 Lacs 10 Lacs|
|Age of Proposer||18 years or above||18 years or above|
|Entry Age - Minimum||Individual: 61 years and||Individual: 61 years|
|Entry Age - Maximum||Lifelong||Lifelong|
Exclusions of the Religare Care freedom : Senior Citizen Health Insurance
Religare Care heart health insurance plan covers the pre - existing heart ailments. Any individual who has been suffering from pre- existing cardiac ailments, disorder and undergone cardiac surgery and procedure for the same.
Benefits and Features of the Religare Care heart health insurance plan
Eligibility of the Religare Care heart health insurance plan
Anyone who is a minimum of 18 years of age is eligible to buy Religare Care heart health insurance policy, while there is no maximum eligibility.
|Benefits||3 lacs||5 lacs||7 lacs||10 lacs|
|Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum up to 5% of SI||Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum up to 5% of SI||Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum up to 5% of SI||Pre-Hospitalization for 30 days & Post-Hospitalization for 60 days; Maximum up to 5% of SI|
|Alternative Treatments||Up to 25% of Sum Insured||Up to 25% of Sum Insured||Up to 25% of Sum Insured||Up to 25% of Sum Insured|
|Ambulance Cover||Up to Rs 2,000 per hospitalization||Up to Rs 2,000 per hospitalization||Up to Rs 3,000 per hospitalization||Up to Rs 3,000 per hospitalization|
Exclusions of the Religare Care heart health insurance plan
Family is a very important part of our life. First, our parents take care of us and then, there comes a time when we decided to plan our family. Religare Joy Health Insurance Plan is a Maternity Insurance Focused Plan which bear the expenses of the insured in case of pregnancy along with both health requirements and maternity need. It is a perfect companion of insured in the new journey of life. Religare Joy Health Insurance Plan is available in the form of two variants.
Benefits and Features of the Religare Joy Health Insurance Plan
Eligibility of Religare Joy Health Insurance Plan : A Maternity Insurance Focused Plan
Anyone who is a minimum of 18 years can get the Religare Joy Health Insurance Plan : A Maternity Insurance Focused Plan while the maximum eligibility is 65 years old for adults. While for children the minimum entry age is 1 day and maximum entry age is 24 years.
|Policy Period||Joy Today: 3 years |
Joy Tomorrow: 1 year, 2 years, 3 years
|Sum Assured||Rs. 3 lakhs to 5 lakhs|
|Cover Type||Individual or Family Floater|
Exclusions of the Religare Joy Health Insurance Plan
When we think about health insurance, there is a feeling of responsibility and happiness that we are taking a step in the direction of safety and a better future of our loved ones. But, even after taking a health insurance policy we have many queries in mind that will the sum insured be enough for the illness, what of the illness is too critical and is not covered under the health insurance plan and etc. Religare Enhance Health Insurance Plan is designed in a way that it comes up with a solution for such dilemmas. Religare Enhance Health Insurance Plan offers extra safety net coverage to the basic health insurance plan. The policyholder can also choose the deductible along with the desired sum insured for the time of need.
Features and Benefits of Religare Enhance Health Insurance Plan
Eligibility of the Religare Enhance Health Insurance Plan
Anyone who is a minimum of 1 day can get the Religare Enhance Health Insurance Plan for an individual ( floater basis) while there is no maximum eligibility age for the Religare Enhance Health Insurance Plans. Hence one can renew and buy the policy lifelong.
|Entry Age||1 day to no maximum entry age|
|Medical Screening||Over 45 yrs|
|Basis||Individual or Floater|
Exclusions of the Religare Enhance Health Insurance Plan
Most of the General health insurance do not offer any cover for the various critical illness. And that is why it becomes important to have a critical health insurance plan. Religare Assure Health Insurance Plan offers Critical Illness benefit to the policyholder. The Religare Assure Health Insurance plan offers a payment of lump sum amount to the policyholder if he undergoes medical events such as following during the policy tenure.
Benefits and Features of the Religare Assure Health Insurance Plan
Eligibility age of the Religare Assure Health Insurance Plan
Anyone who is a minimum of 18 years of age is eligible for the Religare Assure Health Insurance Policy and the maximum eligibility age for the same is 65 years.
|Entry Age||18 yrs. to 65 yrs.|
|Add-on Covers||Accidental Death Cover. Death or Total Permanent Disablement cover|
|Benefits||Child Education: Lump sum payment 10% of chosen sum assured; age of children limited to 24 yrs.|
Exclusions of the Religare Assure Health Insurance Plan
Religare Care senior Health Insurance plan is a comprehensive plan specially curated in a way to fund all your medical illness in the second inning of your life, especially when you are above 61 years age.
Benefits and Features of the Religare Care senior Health Insurance plan
Religare Care senior Health Insurance plan offers additional cover such as
Eligibility of the Religare Care senior Health Insurance plan
Any policy proposer who is a minimum of 18 years can buy the Religare Care senior Health Insurance plan while there is no maximum age as such to enrol in the health insurance policy. The minimum entry age should be 61 years or above.
|Benefits||Care 8||Care 9|
|Sum Insured||3 Lacs||5 Lacs 7 Lacs 10 Lacs|
|Age||18 years or above||18 years or above|
|Entry Age - Minimum||Individual: 61 years and above |
Floater: 2 Adult (Self, Spouse, Father, Mother)
|Individual: 61 years and above |
Floater: 2 Adult (Self, Spouse, Father, Mother)
|Entry Age - Maximum||Lifelong||Lifelong|
Exclusions of the Religare Care senior Health Insurance plan
Accidents are always not your fault, but sometimes you have to bear the bad consequences from the same even after being cautious. Along with the physical damage, Accidents may also cause mental and economic barriers in the happiness of an individual. Religare Secure Health Insurance Plan is the solution for such problems arising out of accidental cases. Religare Secure Health Insurance Plan is available in the form of 4 variants that helps the insured to choose cover-
Features and Benefits of the Religare Secure Health Insurance Plan
Eligibility of the Religare Secure Health Insurance Plan
The minimum entry age under the Religare Secure Health Insurance Plan can be 91 days for the insured and 18 years for the proposer. For the maximum eligibility age criteria is 24 years for children and 70 years for the adult.
|Minimum Entry Age||Age of the Insured: 91 days |
Age of the Proposer: 18 years
|Maximum Entry Age||Children: 24 years |
Adult: 70 years
|Policy Tenure||1 , 2 or 3 years|
Exclusions of the Religare Secure Health Insurance Plan
Following are a few of the awards that Religare Health Insurance Company won and which speaks a ton about the best service of Religare Health Insurance -
It is very important to renew your health insurance policy within the time in order to maintain the benefit of the policy.
The claim is a very important factor that matters while an individual decides to buy a health insurance policy. Religare Health insurance works in a very transparent and systematic manner for a claim.
In the case of an emergency or unplanned hospitalisation, intimate the insurer within 24 hours of hospitalisation.
In the case of planned hospitalisation, intimate the insurer 48 hours prior to your hospitalisation.
Religare Health Insurance is one of the well renowned insurance companies of the Industry. It offers a wide list of health insurance plans that can go well with the needs of almost everyone and their loved ones. It goes well with the different needs of family. The Religare Health Insurance Company offers a wide range of benefits to the policyholder that includes inpatient hospitalisation cover as per sum assured, pre & post-hospitalisation, cashless and reimbursement claim settlement; cover against day care procedures and much more. Such amazing benefits health insurance from Religare health insurance will allow you to enjoy your life to the fullest without worrying about hefty medical bills. Religare Health insurance comes out with cashless claim settlement with the help of 5420+ leading network hospitals across India.
Co-Payment is an option that can be availed after the insured member turns a certain age. Co-pay can be a percentage of the sum insured or an absolute amount and it is the part of the claim amount of insured, which he/ she will have to bear.
Religare Health Insurance offers no claim bonus which is also known as cumulative bonus to its customers. It is an amount that you get for every claimless year ranging from 10% to a fixed percentage which varies from policy to policy.
There are several benefits that you can get with Religare health insurance policy such as less premium amount to pay, tax benefits, no claim bonus, cashless service and much more.
No! Insured can add and remove family members at the time of renewal of your policy, but it is not possible during the tenure of the ongoing health insurance policy. However, one has the option of buying the separate health insurance policy for the separate members of your family.
You have submitted the following documents
Religare Health Insurance Policy ensure the break free health insurance service to the insured. It also offers benefits like-
If the sum insured and No-Claim Bonus has been exhausted during the policy year, the sum insured will be automatically recharged once in a policy year. The recharge sum insured can be used for future claims but not for an illness or disease for which a claim has already been made in the current policy year.
During the free-look period, the policyholder can return the policy and get a refund of the premium after certain deductions if he or she has an objection to the terms and conditions of the policy. Also, the Cancellation request can be made at any time during the policy period provided that no claims have been made. If a claim has been made and he or she wants to cancel the policy then the premium amount will not be refunded to the insured.
The Health card is a kind of identity card that is provided by Religare health insurance. You need to show this card at the network hospital to get the benefits of health insurance policy like during claims etc.
Yes, you can correct or rectify the relationship in your Religare Health Insurance policy. Under this, the Religare will do it only after proper verification. However, it is subject to your declaration of relationship at the time of buying the policy.
Last updated on 03-09-2019