Religare Health Insurance

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.

Types of Religare Health Insurance Policy

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
• Religare Care freedom: Senior Citizen Health Insurance
• Religare Care heart health insurance plan
• Religare Joy Health Insurance Plan : A Maternity Insurance Focused Plan
• Religare Enhance Health Insurance Plan
• Religare Assure Health Insurance Plan: A Critical Illness benefit
• Religare Care senior Health Insurance plan
• Religare Secure Health Insurance Plan

Religare Care 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

• Religare Care Health Insurance Provides a policy cover ranging between ?3 lakh to ?6 crore from which one can use as per requirements.
• The procedures that policyholder under go before getting hospitalized ( pre- hospitalisation) finally lead insured to a hospital, such as investigative tests and routine medication, can be quite financially draining. Religare Care Health Insurance covers the medical expenses incurred by you up to 30 days before your hospitalization.
• Religare Care Health Insurance reimburses expenses after hospitalisation such as doctor consultations, Diagnostic tests, medications etc that the insured bear up to 60 days post his/ her hospitalization.
• In case of an emergency or a medical condition that does not allow insured to get admitted in a hospital, Religare Care Health Insurance provide coverage for medical expenses incurred during his/ her treatment at home for a period exceeding 3 consecutive days.
• Religare Care Health Insurance also reimburses expenses that are incurred by the policyholder while availing a domestic road ambulance during your hospitalization.
• Religare Care Health Insurance offers the benefit of lifetime renewability. Hence once enrolled an individual can continue to stay covered throughout one's life, provided that he/ she can renew their policy on time every year.
• Religare Care Health Insurance offers up to 100% No claim Bonus to the insured if he/ she did not claim the policy.
• If any organ donation is required for the treatment of insured then Religare Care Health Insurance offer Rs.50, 000 to Rs.3 lakhs depending on the chosen coverage by insured.
• Religare Care Health Insurance offers the policyholder to undergo a day care treatment which might not require insured to stay hospitalized for 24 hours or more. As a matter of fact, we cover over 540+ day care procedures.
• Religare Care Health Insurance also offers optional cover benefits such as No Claims Bonus Super, Travel Plus, Daily allowance, air ambulance cover, the extension of Global coverage, unlimited automatic recharge and etc., as per the terms and conditions at an extra premium amount.
• Religare Care Health Insurance also provide 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 and etc.

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.

Exclusions of the Religare Care Health Insurance Policy

• 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.
• 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.

Religare Care freedom : Senior Citizen Health Insurance

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

• Sum assured for the Religare Care freedom : Senior Citizen Health Insurance policy is Rs. 3 lakh and Rs. 5 lakhs under Plan 1 while it can be Rs. 7 lakh and 10 lakh under Plan 2.
• The procedures that policyholder under go before getting hospitalized ( pre- hospitalisation) finally lead insured to a hospital, such as investigative tests and routine medication, can be quite financially draining. Religare Care freedom : Senior Citizen Health Insurance covers the medical expenses incurred by you up to 30 days before your hospitalization.
• Religare Care freedom : Senior Citizen Health Insurance reimburses expenses after hospitalisation such as doctor consultations, Diagnostic tests, medications etc that the insured bear up to 30 days post his/ her hospitalization.
• In case of an emergency or a medical condition that does not allow insured to get admitted in a hospital, Religare Care freedom : Senior Citizen Health Insurance provides coverage for medical expenses incurred during his/ her treatment at home for a period up to 10% of sum assured after 3 consecutive days.
• Religare Care freedom: Senior Citizen Health Insurance also reimburses expenses that are incurred by the policyholder while availing a domestic road ambulance during your hospitalization is also covered up to Rs. 1, 000 per hospitalisation.
• Religare Care freedom : Senior Citizen Health Insurance offers up to Rs. 1,000 per sitting of Dialysis cover which is limited up to 24 consecutive months.
• Religare Care freedom : Senior Citizen Health Insurance also offers a daily consumable allowance per day for maximum 7 consecutive days under the case of illness or accident that involves medical treatment exceeding 3 consecutive days of Hospitalisation.
• Religare Care freedom : Senior Citizen Health Insurance annual health check up for those who are above the age of 18 years, except those who are insured under the policy as a child.
• Religare Care freedom : Senior Citizen Health Insurance offer the policyholder to undergo a day care treatment which might not require insured to stay hospitalized for 24 hours or more. As a matter of fact, we cover over 540+ day care procedures.
• Religare Care freedom : Senior Citizen Health Insurance offer the companion benefit to the policyholder in a lump sum amount if the insured person is admitted to the hospital.
• Religare Care freedom : Senior Citizen Health Insurance also offer optional cover benefits which can be opted at an extra premium either at the inception of the insurance policy or at the time of renewal. Optional cover can be as following -* Optional cover for good health under this policyholder can choose from 8 consultations out of the network hospitals up to a limit with a co- payment as per the base plan.
• Home care - Under this a qualified nurse is provided for the care and convenience to the policyholder.
• Health Check - Under this, the annual health check up can be upgraded to either Diabetes Health Check - up or Cardiac Health Check - Up.

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.

Exclusions of the Religare Care freedom : Senior Citizen Health Insurance

• Any Cost of spectacles, contact lenses, dental treatment expenses that do not require hospitalisation are excluded from Religare Care freedom : Senior Citizen Health insurance.
• No cover is offered for the Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences under Religare Care freedom : Senior Citizen Health insurance.

Religare Care heart health insurance plan

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

• Sum insured on an annual basis under the Religare Care heart health insurance plan can choose from Rs- 3 lac, 5 lac, 7 lac and 10 lac.
• Religare Care heart health insurance plan offer up to Rs 2,000 to Rs. 3, 000 per hospitalization, as per the Sum Insured.
• Religare Care heart health insurance offer Cardiac Health Check-up offer to the insured under this the cashless benefit for the set of the specified set of the medical treatment as per the Sum inured at the company Network provider or the empanelled provider in India is offered. The benefit can be availed once every policy year.
• Insured can enjoy a facility of Pre-Hospitalization for 30 days &Post-Hospitalization for 60 days from the date of hospitalisation which can be maximum up to 5% of the total sum insured.
• 10% increase in SI per Policy Year in case of claim-free year; Max up to 50% of SI
• As per the terms and conditions of the insurance policy if the insured is not admitted to hospital and suffering from any illness but being treated at home with the possible technology under some professional is also covered up to the sum insured value.
• Up to Rs.1, 000 per day; Max. 7 days per occurrence & Max. 45 days per policy year per Insured Person; Covered after a deductible of 1 day
• Any expenses that were incurred from the alternative treatment, medical treatment and alternative therapies such as AYUSH treatment from any registered hospital with a Government authority under an appropriate act is also covered under the Religare Care heart health insurance.
• If the Religare Care heart health insurance insured exhaust the total / maximum limit of the Sum inured and run out of/ exhausts the health cover amount then the entire sum insured is reinstated in the policy, immediately, once in the policy year.
• Religare Care heart health insurance offer optional covers such as OPD consultations, diagnostics and Medicines, home care, active health check it and etc to the insured at a minimal budget increase in the premium amount at the time of buying the policy or renewing the same.

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.

Exclusions of the Religare Care heart health insurance plan

• Any expense that occurs due to tests and treatment related to infertility and in vitro fertilization is excluded from the Religare Care heart health insurance plan.
• If the insured go through any diagnosis of diseases / undergoing of surgery / occurrence of an event, whose signs or symptoms first occur within 30 days of Policy Period Start date then no expense is reimbursed or covered under Religare Care heart health insurance plan.

Religare Joy Health Insurance Plan : A Maternity Insurance Focused 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

• The sum insured in the Religare Joy Health Insurance Plan can be Rs. 3 lac to Rs. 5 lac as per the requirement of the insured.
• The procedures that policyholder under go before getting hospitalized ( pre- hospitalisation) finally lead insured to a hospital, such as investigative tests and routine medication, can be quite financially draining. Religare Joy Health Insurance Plan covers the medical expenses incurred by you up to 30 days before your hospitalization.
• Religare Joy Health Insurance Plan also reimburse expenses after hospitalisation such as doctor consultations, Diagnostic tests, medications etc that the insured bear up to 60 days post his/ her hospitalization.
• Religare Joy Health Insurance Plan : A Maternity Insurance Focused Plan offer free coverage of a newborn baby for up to 90 days and then he/she can be insured at a reasonable premium rate.
• Insures enjoy the maternity claim with a waiting period of 24 months under the Religare Joy Health Insurance Plan.
• Ambulance cover is also offered to the insured under Religare Joy Health Insurance Plan during emergencies
• If the new born baby is born with any defect and is diagnosed with Down's syndrome or Cerebral Plays provided that no claim Under Benefit, a lump sum amount is paid to the insured under the Religare Joy Health Insurance Plan.
• Policy bearer will bear 20% of the Final Claim Amount as the co-payment benefit of the Religare Joy Health Insurance Plan.
• The policyholder can also avail no claim Bonanza as an optional cover under which Insured is also eligible for a no claim bonanza with a 100% increase in the sum insured under the Religare Joy Health Insurance Plan.
• Insured can also enjoy the 15 days free lookup period under 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.

Exclusions of the Religare Joy Health Insurance Plan

• Any of the expenses that attributable to self-inflicted injury which is a result of suicide attempted suicide, in a conscious or unconscious state is excluded from the Religare Joy Health Insurance Plan.
• Religare Joy Health Insurance Plan cover Any pre-existing ailment/ injury that was diagnosed/ acquired by the policyholder within 48 months prior to issuance of the first health insurance policy.

Religare Enhance 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

• Religare Enhance Health Insurance Plan offers a flexible choice of deductible with the wide range of sum insured options to the policyholder which is subject to maximum Rs. 55 lakh.
• Insured need no pre policy medical check up for the deductible amount and sum insured amount less than 40 lacs and 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., charges are also covered under the Religare Enhance Health Insurance Plan.
• Religare Enhance Health Insurance Plan offers cashless hospitalisation at more than 4758 network hospitals.
• The procedures that policyholder under go before getting hospitalized ( pre- hospitalisation) finally lead insured to a hospital, such as investigative tests and routine medication, can be quite financially draining. Religare Enhance Health Insurance Plan covers the medical expenses incurred by you up to 30 days before your hospitalization.
• Religare Enhance Health Insurance Plan reimburse expenses after hospitalisation such as doctor consultations, Diagnostic tests, medications etc that the insured bear up to 60 days post his/ her hospitalization
• Religare Enhance Health Insurance Plan also covers medical treatment globally. It offers Option to convert to Comprehensive Health Insurance Plan, which doesn't feature deductibles, after 4 successive years of coverage
• Religare Enhance Health Insurance Plan offers the Tax benefits for the insured under the section of 80Dof Income Tax Act and it also offers 3-years policy with a 10% discount and 2-year policy with a 7.5% discount.

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.

Exclusions of the Religare Enhance Health Insurance Plan

• Any charges/ expenses that incurred due to any routine eye examination and ear examination, artificial teeth and other such illnesses which require external appliances/ or devices whether for diagnosis or treatment.
• Any treatment for mental illness, stress state or any psychological treatment is also not offered any reimbursement under the Religare Enhance Health Insurance Plans.

Religare Assure Health Insurance Plan : A Critical Illness benefit

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

• Religare Assure Health Insurance Plan covers the insured person in case of accidental death.
• Religare Assure Health Insurance Plan offers Permanent total Disability Cover to the insured. Under this total and irrecoverable loss of sight of both eyes, actual loss by physical separation of both hands or both feet or entire hands or feet is also covered.
• A lump sum 10% is offered toward the education of the child up to 24 year old age if the insured suffers from any critical illness or personal accident that result in loss of family income.
• Each and every insured under the Religare Assure Health Insurance Plan have a benefit of the second opinion, under which he/she can get a second opinion of a doctor on the medical report or for any other reason free of cost.
• Religare Assure Health Insurance Plan also offers a free Health Check up to the insured at any of the network hospital or any other service providers.
• Insured can also get the benefit of add- on covers at the time of buying the policy or at the time of renewal of policy at a minimal premium rise-
• Everyday care- Under this the insured can visit the hospital for unlimited consultations to wide network hospital consultants, specialists and surgeons at Rs. 100 per consultation only.
• HIV Cover - Under this a lump sum amount is offered to the policyholder if in case the insured person is detected with some HIV infection.

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.

Exclusions of the Religare Assure Health Insurance Plan

• Religare Assure Health Insurance Plan does not offer any cover if any loss or damage is caused to the policyholder due to any type of War, riot, strike, nuclear weapons.
• If any insured person tries to harm him/ her by intake of any toxic substance, addiction of alcohol or any drugs etc is also excluded from Religare Assure Health Insurance Plan.

Religare Care senior 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 the Sum Insured 3 lacs, 5 lacs, 7 lacs, and 10 lacs on the annual basis to the policyholder.
• Religare Care senior Health Insurance plan offers the in patient care, day care treatment to the policyholder up to the sum insured.
• Religare Care senior Health Insurance plan offers the pre hospitalisation cover for 30 days and post hospitalisation from 60 days of hospitalisation up to the sum insured amount.
• Religare Care senior Health Insurance plan offers the 10% increase in Sum Insured per Policy Year in case of the claim-free year which can shoot Maximum up to 50% of SI (10% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCB).
• On attaining 61 years of Age by an existing Insured Person or eldest Insured Person (in case of Floater), the Company provides an option to Insured Person, only on subsequent renewal, to choose for co-payment option of 20% per claim which applies to Insured and thereby get a discount of 20% in Premium to be paid.

Religare Care senior Health Insurance plan offers additional cover such as

• Religare Care senior Health Insurance plan offers 50% increase in Sum Insured to the insured per Policy Year in case of the claim-free year which can shoot Max up to 100% of Sum Insured
• The smart select benefit for the insured offer listed Hospitals: Up to Sum Insured and Other Hospitals Up to Sum Insured with an additional co-payment of 20% per claim

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.

Exclusions of the Religare Care senior Health Insurance plan

• Any expense that arises due to Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences is excluded from the Religare Care sensior Health Insurance plan.
• The Religare Care senior Health Insurance plan does not cover any congenital disease treatment expense under it.

Religare Health Insurance Secure Personal Accident 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-

• Secure 1 - Insured can get an annual Sum insured cover of Rs. 10 lakh.
• Secure 2 - Insured can get an annual Sum insured cover of Rs.15 lacs, Rs. 20 lacs, Rs. 25 lakh and Rs. 30 lakh.
• Secure 3 - Insured can get an annual Sum insured cover of Rs. 20 lakh. Rs. 1 crore, Rs. 2 Crore and Rs. 3 crore.
• Secure 4- Insured can get an annual Sum insured cover of Rs. 3 crore to Rs. 25 crore.

Features and Benefits of the Religare Secure Health Insurance Plan

• Religare Secure Health Insurance Plan covers the loved ones of the insured in case of his/ her untimely demise by/ because of the accident.
• Nominees of the insurance policy will get the insured sum in the time of a tragic loss under the Religare Secure Health Insurance Plan.
• Religare Secure Health Insurance Plan covers accidental death, any reconstructive surgery after the accident.
• If the accident result as loss of income in the family then Religare Secure Health Insurance Plan cover the child education expenses.
• Any surgery or fracture treatment is also covered which is advice by the doctor. Fractures can be covered from Rs. 50, 000 to Rs. 2, 00, 000 as per the Religare Secure Health Insurance Plan coverage one chooses.
• Ambulance charges that occur for the transportation of the insured in the hour of need are also covered under the Religare Secure Health Insurance Plan.
• If the insured goes missing and was involved in the event of an accident, then also the insured is eligible for the sum assured.

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.

Exclusions of the Religare Secure Health Insurance Plan

• If the insured undergo any surgery for obesity, weight loss or any cosmetic surgery then he/ she is not offered any reimbursement under the Religare Secure Health Insurance Plan.
• Religare Secure 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.

Awards

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 -

• 'Editor's Choice Award' by Innovate for 'Innovation in Product- Care' in 2013.
• 'Rising Star Insurer' by Indian Insurance Awards in 2014
• 'A' Rate Health Insurance by Mint Mediclaim Ratings in 2014.
• 'Best Health Insurance Company' by ABP News BFSI in 2015.
• 'Best Social Media Initiative of The Year' by Fintelekt in 2016.
• 'India's Most Preferred Travel Insurance' by IMP Travel Brand Awards in 2018.
• 'Best Claim Service Provider of the Year' by Insurance India Summit & Awards in 2018.
• 'Bronze Micro Insurance' by Skoch Awards in 2018.

Religare Health Insurance Online Renewal

It is very important to renew your health insurance policy within the time in order to maintain the benefit of the policy.

• The policyholder has to simply visit the official website of Religare Health Insurance Plan at religarehealthinsurance(dot)com/proposals/renew/index-care in order to renew your existing policy.
• Click on the 'Renew' tab available on the top right-hand corner of the page
• Enter your policy number and date of birth to initiate the renewal process.
• Religare Renewal premium payment can also be paid online using net banking, credit card, or debit card.

Religare Health Insurance Claim Process

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.

Unplanned Hospitalisation

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

• The policyholder has to Display his/her health card at the network hospital desk.
• Then the uninsured have to submit the duly-filled and properly signed pre-authorisation request form to the insurance company or it's Third-Party Administrator (TPA) via fax.
• The claim management team will send an approval letter to the hospital. But, the claim management team cam cross checks in order to clear any doubt.
• The hospital will proceed with the cashless treatment for the insured member.
• If in any condition the cashless claim is rejected, the insured member can initiate the treatment and file for a reimbursement claim after discharge.

Planned Hospitalisation

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

• 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.
• An approval letter for reimbursement will be sent by the claim management team. Insured will have to respond to the queries raised by the claim management team for a smooth claim processing experience.
• The claim amount will be sent to the insured member after approval.

FAQ

1. What is co-payment in Religare health insurance plan?

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.

2. What is No Claim Bonus of Religare Health Insurance?

Religare Health Insurance offers the No Claim Bonus (NCB) for its insured customers. It is actually a bonus, in this 10% of the sum assured or more depending upon the policy which you can enjoy for a claim-free year. Its working is simple, if you have a policy of Rs. 1 Lac and you paid your premium, if the first year goes without any claims, you get a discount of Rs. 10,000/- as no claim bonus on next year premium upon Religare health insurance renewal.

3. Is there any Benefits I Can Enjoy If I Get a Religare Health Insurance Policy at a Young Age?

There are many benefits that insured can enjoy with the health insurance policy at Religare if it is acquired at a young age. A young body is more immune and less prone to disease then old age. The more your age, the more is the premium to pay. When you are young, you can enjoy the benefits of cashless treatment and reimbursement throughout your life. There are many tax benefits for getting health insurance done. Plus, if you stay healthy and do not make any claim then with a no-claim bonus, you can enjoy the bonus for every claim-free year.

4. Can the insured add and remove family members in the ongoing Religare Health Insurance policy?

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.

5. What are the documents required for the Religare Health Insurance Policy Portability?

Religare Health Insurance Company requires the insured to submit the following documents attached with a duly filled portability form:

• A copy of your existing health insurance policy
• A copy of policy renewal notice
• CARE proposal form

6. What is the need to buy a Religare Health Insurance Policy?

Religare Health Insurance Policy ensure the break free health insurance service to the insured. It also offers benefits like-

• You can get timely and adequate healthcare for you and your family.
• You can avail cashless hospitalisation in over 5420 network hospitals across the world.
• You can enjoy tax benefits under Section 80D of the Income Tax Act, 1961.

7. How does the auto recharge feature under Religare Health Insurance work?

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.

8. How can one cancel his or her Religare Health Insurance Policy?

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.

9. What is a health card?

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.

10. Can I correct the relationship in my Religare Health Insurance policy document?

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.

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