Religare Health Insurance

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.