Religare Health Insurance

Religare Health Insurance
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About Religare Health Insurance

Religare Health Insurance Company was founded in the year 2012 and is headquartered in Gurgaon, Haryana. The company is a joint venture between Religare Enterprise Private Ltd., Union Bank of India and Corporation Bank. Religare health insurance has been adjudged as one of the best health insurance company in India.

The organization brings special features and benefits that pull it apart. It offers a vast range of health care plans which makes the company an obvious choice for protecting self, family and senior citizens under it.

Highlights of Religare Health Insurance Company

Claim Settlement Ratio93%
Network Hospitals7400+
RenewabilityLifetime
Pre-existing diseases4 years
Grievances Solved99.30%

Table Data updated on 31-07-2020

Religare Health Insurance Highlight

What Are the Types of Religare Health Insurance Plan?

  • Religare Care Health Insurance
  • Religare Care Freedom: An Ideal Plan for Diabetics
  • Religare Care Heart Health Insurance Plan
  • Religare Joy Health Insurance Plan: A Maternity Insurance Focused Plan
  • Religare Enhance Health Insurance Plan
  • Religare Care Senior Health Insurance Plan

1. Religare Care Health Insurance Plan

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.

Benefits and features

  • The policy provides coverage ranging between ₹3 lakh to 6 crores.
  • It also reimburses ambulance expenses.
  • It offers up to 100% No claim Bonus to the insured if he/she did not claim the policy.
  • In the case of organ transplantation, the plan offers Rs. 50,000 to Rs. 3 lakhs depending on the chosen coverage by insured.
  • Daycare treatment for over 540+ day care procedures.

Eligibility

Entry Age91 days upwards; no maximum entry age
RenewabilityLifetime
Policy Period1 yr
Medical ScreeningIndividual or Family Floater
BasisIndividual or Family Floater

Table Data updated on 31-07-2020

2. Religare Care Freedom: An Ideal Plan for Diabetics

Religare Care freedom plan is specially designed to provide healthcare protection to patients suffering from diabetes and hypertension. It offers them coverage against the expenses that the patient bears during the treatment like the cost of medicines, health check-ups, etc.

Benefits and Features

  • The policy offers coverage of Rs. 3 lacs and Rs. 5 lacs under Plan 1 while it offers Rs. 7 lakh and Rs. 10 lakh under Plan 2.
  • No pre-policy medical check-up.
  • The plan bears out-patient expenses such as diagnosis, doctor consultation and medicines.
  • Under this plan, the annual health check-up can be upgraded to either Diabetes Health Checkup or Cardiac Health Check-Up.

Eligibility

PlanCare 8Care 9
Sum Insured (SI)3 Lacs, 5 Lacs7 Lacs, 10 Lacs
Age of Proposer18 years or above18 years or above
Entry Age - MinimumIndividual: 61 yearsIndividual: 61 years
Entry Age - MaximumLifelongLifelong
Exit AgeLifelongLifelong

Table Data updated on 31-07-2020

3. Religare Care Heart Health Insurance Plan

Religare Care Heart Health Insurance Plan is an ideal plan for individuals who have been suffering from pre-existing cardiac ailments, disorder and undergone cardiac surgery. The plan also provides coverage for pre-existing heart ailments.

Benefits and Features

  • It offers up to Rs, 2,000 to Rs. 3,000 per hospitalization, as per the Sum Insured.
  • 10% increase in SI per policy year in case of the claim-free year; max up to 50% of SI.
  • Daily benefit up to Rs. 1,000 per day; maximum 7 days per occurrence and maximum 45 days per policy year per insured person; covered after a deductible of 1 day.
  • Any expenses that were incurred from the alternative medical treatment and therapies such as AYUSH treatment, etc. are also covered under the policy.

Eligibility

Benefits3 lacs5 lacs7 lacs10 lacs
Pre-Hospitalization & Post-Hospitalization; Maximum amount30 days & 60 days; up to 5% of SI30 days & 60 days; up to 5% of SI30 days & 60 days; up to 5% of SI30 days & 60 days; up to 5% of SI
Alternative TreatmentsUpto 25% of SIUpto 25% of SIUpto 25% of SIUpto 25% of SI
Ambulance Cover per hospitalizationUpto Rs. 2,000Upto Rs. 2,000Upto Rs. 3,000Upto Rs. 3,000

Table Data updated on 31-07-2020

4. Religare Joy Health Insurance Plan: A Maternity Insurance Focused Plan

Religare Joy Health Insurance Plan is a maternity-focused insurance plan which bears the expenses of the insured in case of pregnancy along with health requirements and maternity needs.

Benefits and Features

  • Pre and post-hospitalization upto 30 and 60 days respectively.
  • It offers free coverage to the newborn baby for up to 90 days.
  • Enjoy the maternity claim with a waiting period of 24 months under the plan.
  • A 15 days free look-up period is provided to understand the policy.

Eligibility

Policy PeriodJoy Today: 3 years
Joy Tomorrow: 1 year, 2 years, 3 years
RenewabilityLifetime
Sum AssuredRs. 3 lakhs to 5 lakhs
Cover TypeIndividual or Family Floater

Table Data updated on 31-07-2020

5. Religare Enhance Health Insurance Plan

Religare Enhance Health Top-up 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 during emergency health conditions.

Features and Benefits

  • It offers a flexible choice of deductible with a wide range of sum insured options to the policyholder which is subject to maximum Rs. 55 lakhs.
  • Insured does not require to do any pre-policy medical check-up for the deductible amount and sum insured amount less than 40 lacs till the age of 50 years.
  • If the insured is admitted to the hospital for a minimum of 24 consecutive hours period, then the charges such as room rent, nursing charges, Intensive care unit charges to surgeon's fees, blood, oxygen and etc., are also covered under the plan.
  • It also offers a 3 years policy with a 10% discount and 2-year policy with a 7.5% discount.

Eligibility

Entry Age1 day to no maximum entry age
RenewabilityLifetime
Medical ScreeningOver 45 yrs
BasisIndividual or Floater

Table Data updated on 31-07-2020

6. Religare Care Senior Health Insurance Plan

Religare Care Senior is a comprehensive health insurance plan to protect the senior citizens especially curated in a way to fund all medical illness in the second innings of life, i.e. above 61 years of age.

Benefits and Features

  • It offers the 10% increase in the sum insured per policy year in case of the claim-free year.
  • A co-payment option of 20% per claim is applied and thereby get a discount of 20% in premium to be paid.

Additional Covers

  • The plan offers a 50% increase in sum insured to the insured per policy year in case of the claim-free year which can shoot up to 100% of Sum Insured.
  • The smart select benefit for the insured offers listed hospitals for a maximum amount upto the Sum Insured limit and other hospitals up to sum insured with an additional co-payment of 20% per claim.

Eligibility

BenefitsCare 8Care 9
Sum Insured3 Lacs5 Lacs 7 Lacs 10 Lacs
Age18 years or above18 years or above
Entry Age - MinimumIndividual: 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 - MaximumLifelongLifelong
Exit AgeLifelongLifelong

Table Data updated on 31-07-2020

What Are the Exclusions of Religare Health Insurance Policy?

  1. Any cost of spectacles, contact lenses and dental treatment expenses that do not require hospitalisation is excluded from the policy.
  2. No cover is offered for the Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences under the policy.
  3. Any pre-existing disease which is not diagnosed until 48 months of continuous coverage of the Religare Care Health Insurance is also excluded from the insurance policy coverage.
  4. Any condition that is directly or indirectly caused or associated with any type of sexually transmitted diseases including HIV, AIDS, Genital Warts, Genital Herpes and etc.
  5. If the insured undergoes any surgery for obesity, weight loss or cosmetic surgery, he/ she is not offered any reimbursement under the policy.
  6. Religare Health Insurance Plan does not cover any pre-existing disease, surgery or illness that occurs within the first 30 days of the insurance policy commencement.

How To Purchase Religare Health Insurance Policy?

Offline Method:

  1. You need to choose a suitable plan and visit your nearest Religare health insurance branch to proceed with the purchase.
  2. The officer at the insurance desk will provide you with an application form.
  3. Fill the required details and submit the application form.
  4. Your policy advisor will then forward the application for processing and you shall receive the notifications of the successful processing of the plan on your registered email id.
  5. The insurer will call you to verify all the details and after the successful verification of information provided by you, they will send your policy document directly to your registered email id.
  6. You can contact the customer service anytime for any further assistance.

Online Method

You can easily purchase a Religare health insurance plan with the help of PolicyX.com. Please follow the below steps for online purchase:

  1. Visit PolicyX.com and fill the details in the application form.
  2. Click on the 'Proceed' option.
  3. You will be redirected to the quotes page where you can check the quotes of Religare health insurance plans.
  4. Select a suitable plan and click on the 'Buy' option.
  5. Make the payment and you will receive a soft copy of the policy document in your registered email id.

How To Renew Religare Health Insurance Online With PolicyX.com?

You can directly renew your policy with us in just 4 easy steps.

Step 1: Simply click on this ‘link’ to renew online.

Step 2: Select your category as ‘Health’; fill in your basic details like name, email, phone, city, etc.

Step 3: Choose your plan from the list shown on your screen along with the company name and click on ‘Renew Now’ option.

Step 4: It will direct you to the renewal page. Provide the policy number, date of birth and click on ‘Lets Renew’.

Step 5- Make the payment. You will receive the soft copy of the policy on your registered email id.

What Is the Claim Process of Religare Health Insurance?

Religare Health Insurance works in a very transparent and systematic manner for a claim.

Case 1: Unplanned Hospitalisation

In the case of an emergency or unplanned hospitalisation, intimate the insurer within 24 hours of hospitalisation.

  1. The policyholder has to display his/her health card at the network hospital desk.
  2. The nominee of the policy has to submit the duly-filled and properly signed pre-authorisation request form to the insurance company or its Third-Party Administrator (TPA).
  3. The claim management team will send an approval letter to the hospital. But, the claim management team can cross-check the information to clear any doubt.
  4. The hospital will proceed with the cashless treatment for the insured member.
  5. If in any condition the cashless claim is rejected, the insured member can initiate the treatment and file for a reimbursement claim after discharge.

Case 2: Planned Hospitalisation

In the case of planned hospitalisation, intimate the insurer 48 hours prior to your hospitalisation.

  1. Insured have to submit the duly filled reimbursement claim form to the insurer along with the required supporting documents such as discharge summary, medical reports, hospital bills, pharmacy bills, prescriptions, etc.
  2. An approval letter for reimbursement will be sent by the claim management team.
  3. Insured will have to respond to the queries raised by the claim management team for a smooth claim processing experience.
  4. The claim amount will be sent to the insured member after approval.

How To Contact Religare Health Insurance?

For any queries related to Religare Health Insurance plans, please contact at the following:

Customer Helpline Number: 1800-102-4488 (Toll-free)

Email: customerfirst@religarehealthinsurance.com

FAQs

Yes, there is a mobile application available for Religare Health Insurance on Google play store.

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.

Yes, you can add and remove family members at the time of renewal of the policy, but it is not possible during the tenure of the ongoing health insurance policy.

The following documents required for the portability of the policy:

  • Existing health insurance policy’s copy
  • Copy of renewal notice
  • Proposal form

Yes, Religare Care Health Insurance offered by Religare Care provides vaccination for a specified amount for all insured persons up to 18 years of age as prescribed in the National Immunization Schedule for the protection of Polio, Hepatitis B, etc.

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 recharged 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.

Yes, you can avail the option of EMI while buying Religare Health Insurance.

You can avail tax benefits of Rs. 25,000 if you are the policyholder of your Religare health insurance policy whereas if the policyholder is a senior citizen, then the tax benefit may go upto an amount of Rs. 50,000 with an additional cover for health check-ups of Rs. 5,000.

The Incurred Claim Ratio of Religare Health Insurance is 55.23%.

Yes, you can add your spouse in your Religare Care Senior Health Insurance plan.

Yes, Religare offers its health insurance policies to NRIs also, you can easily purchase policy for you as well as for your family sitting outside the country.

Yes, if the insurer approves the increment of the sum assured amount for your policy which depends on the medical assessment; then it is possible after the acceptance subject to the waiting period and the clauses of the Religare Health Insurance plan.

The Religare Cancer Care coverage is subjected to 180 days waiting period from the date of commencement of the policy. However, the standard exclusions shall be applied as per the policy terms and conditions and specifically excludes pre-existing conditions.

Page updated on 31-07-2020