Care with Unlimited Recharge
Care with NCB
Care with Unlimited Recharge & NCB
Religare Health Insurance Company Limited
(eldest member)
Cover For
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You pay the same as if you were to buy directly from the insurance company

We're on your side - representing you at the insurance company for claims and what not WeCare Initiative - A portion of your premium goes for education of underprivileged
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Portfolio Planning - All our policyholders get one time portfolio planning services through our certified planners for free

About Religare Health Insurance Company

Religare Health Insurance is a standalone medical health insurance provider which incorporates three entities: Religare Enterprises Limited, a leading group of financial services that is based out of India, Union Bank of India & Corporation Bank. Religare Health Insurance offers health insurance and other products.

Religare Health Insurance Co. Ltd. is an Indian health insurance organization founded with the aid of Religare Enterprises Ltd. (REL), Union Bank of India & Corporation Bank.

REL is a financial services corporation offering products in the realms of insurance, investment and wealth control, lending and inventory-broking. The company has its headquarter in Delhi. It is one of the top health insurance companies. If we talk about the company's reputation, claim ratio among others, it mostly has positive feedbacks. It is one of the leading health insurance companies in India.

Religare Insurance Company Ltd. brings to the table, many exciting policies that offer for a person's individual as well as familial safety needs. The agency deals generally in life and medical health insurance. Religare Care is one of the best policies that is assisting people for many years.

Religare Care Insurance Plan

Religare Care is a complete medical health insurance plan that pays for clinical costs incurred by the policyholder because of any injury, illness or twist of fate. The plan covers costs incurred at some point of hospitalization, pre, post and during hospitalization, day-care procedures (that do not require hospitalization) and much more.

It is difficult to keep away from the uncertainties of life and your health is no exception. Imagine an unexpected medical emergency in your family that calls for a huge chunk of savings. That is why you must buy a very good health insurance to support you financially at crucial times. Religare Health Insurance's Care Plan is one such policy. With hundreds of treasured benefits and inbuilt features, it's a fantastic way to keep yourself reassured.

Highlights of Religare Care policy

It permits recharge benefits equivalent to 100% of the sum insured. This advantage restores the sum insured upto 100% when the sum insured falls short or has been completely utilized because of an unrelated claim made within the coverage period.

It gives free health test facility once every year, no matter if the claim has been made, for people of age 18 years and above.

It offers no-claim bonus, an excellent add-on cover which offers benefits upto 60% of the sum insured.

It covers some particular treatments for sum insured INR 50,00,000 and above anywhere across the globe.

What does the plan cover?

In-patient care: Hospitalization charges including room charges, nursing prices, ICU charges, doctor's expenses, doctor's costs, anesthesia, blood, oxygen, operation theater fees and many others.

Daycare procedure: medical costs incurred if hospitalization is less than 24 hours,

Pre and post hospitalization: Clinical expenses incurred 30 days before hospitalization will be covered. Expenses incurred as much as 60 days after being discharged from the clinic such as medicines, etc will be covered.

Ambulance costs: Fees of Ambulance or any transport can be reimbursed

Daily Allowance: Out-of-pocket expenses which include transportation, attendant's fees and many others at the same time as visiting the health facility or health practitioner are also covered. A lump sum amount for each completed day of hospitalization is paid as daily allowance.

Organ Donor cover: Clinical prices incurred by an organ donor while undergoing the organ transplant surgical procedure

Second opinion: If the insured is affected by a critical illness as mentioned in the coverage and wants to take a second opinion from another medical doctor then Religare arranges the same free of cost. This second opinion is to be had for each of the persons included, every year for every contamination.

Domiciliary Hospitalization: Clinical fees incurred by the insured for availing treatment at home can be reimbursed. The medical treatment ought to be for a period exceeding 3 consecutive days.

Health tests: The policy pays for annual health tests of the insured and those family individuals who are not covered as policyholder's child under the policy.

Recharge of Sum assured: If the Sum assured in the coverage is exhausted because of claims made, then the agency reinstates the entire sum assured inside the coverage year. This reinstated amount may be used for further claims, not associated with the illness / disease for which the claim has already been made in the course of the same year.

What is not covered?

The coverage exclusions are -

Any pre-existing ailment/disease that will only be covered after 4 consecutive years of completion of the policy

Any sicknesses/ surgery/ diagnosis within the first 30 days of the policy start date besides those arising out of injuries

Damage because of self-inflicted harm (resulting from suicide, attempted suicide)

Fee of spectacles/contact lenses, dental treatment

Medical charges incurred for treatment of AIDS

Congenital disease

Tests and treatment referring to infertility and in vitro fertilization

Some treatments like non-infective arthritis, joint replacement, etc., which can be covered only after the completion of two consecutive coverage years.

Features/Sum Insured 3, 4 Lacs 5, 7, 10 Lacs 15, 20, 25, 30, 40 Lacs 50, 60, 75 Lacs
Pre-hospitalisation 30 days 30 days 30 days 30 days
Post-hospitalisation 60 days 60 days 60 days 60 days
Day Care Treatments Yes Yes Yes Yes
Room Rent 1% of SI per day Single Private Single Private Single Private
ICU Charges 2% of SI per day No Limit No Limit No Limit
Doctor's Fee etc No Limit No Limit No Limit No Limit
Other Medical Charges No Limit No Limit No Limit No Limit
Daily Allowance 500/day up to 5 days - - -
Ambulance Cover 1,500/hospitalization 2,000/hospitalization 2,500/hospitalization 2,500/hospitalization
Domiciliary hospitalisation Up to 10% of SI Up to 10% of SI Up to 10% of SI Up to 10% of SI
Organ Donor Cover 50,000 1,00,000 2,00,000 3,00,000
Annual Health Check-up Yes Yes Yes Yes
Second Opinion Yes Yes Yes Yes
No Claim Bonus Yes Yes Yes Yes
Auto-Recharge of Sum Insured Yes Yes Yes Yes
Care Anywhere - - - Yes
Alternative Treatments Upto Rs.15,000 Upto Rs.20,000 Upto Rs.20,000 Upto Rs.30,000
Maternity Cover - - - Upto Rs.100,000

Claim Process

Claims method for cashless remedy:

  1. Filling up of the pre-authorization form, the necessary details will be checked by the healthcare provider and the TPA
  2. Upon submission of the pre-authorization form, all communications will be taken care of through Religare referring to the settlement of the invoice
  3. If in case some fees aren't included or are not covered by the policy, the same will be communicated to the insured before or after hospitalisation.


In case one has to get admitted to a health facility that isn't always within the panel of networked hospitals of Religare or the pre-authorization form has been rejected, one should record a claim for reimbursement of charges. The method for the claim and vital factors to consider are mentioned underneath-

1. In case of an emergency admission, Religare has to be informed within 24 hours. If the hospitalization is pre-planned, the intimation must be executed 48 hours earlier .

2. The information required at some point of this procedure could be the following -

  • Policyholder's name
  • Claimant's name and customer id
  • Information of the health center/ clinic/ hospital
  • Information of diagnosis and treatment
  • An approximation of the claim amount
  • Date of admission

Documents Required

The claim form may be downloaded from Religare's website and together with the completed form, the following files need to be provided -

  1. The authentic copy of the claim form, duly filled and signed
  2. Government authorized valid identity proof
  3. Referral letter from a medical practitioner advising hospitalization
  4. Letter from scientific practitioner detailing the list of tests, medications and consultations if any
  5. Copies of bills, receipts and discharge card from the clinic or the medical practitioner
  6. Original copies of bills or receipts from pharmacies or druggists concerned
  7. Copies of tests and reports along with their receipts
  8. FIR copy, post mortem report if applicable

Why buy religare care plan through

  1. You get the plan at exactly the same price as if you were to go directly to the company.
  2. We're on your side. We represent you at the company at the time of claim. You get all these services completely free of cost.
  3. Every time you make a purchase through us, a small portion of our commission income goes on funding education of homeless children. Check this link for more information on this.
  4. You get our complete insurance portfolio planning services from certified financial planners for free. Our team of experts will call you and understand and re-design your entire insurance portfolio completely free of cost.


Q1. What is the distinction between a family floater and critical illness policy?

The individual or family floater medical health insurance works on the principle of indemnity. Because of this these insurance plan will pay you only when you have spent for a particular medical treatment. Whereas in case of critical illness plans, they will pay you the sum assured regardless of the amount quantity spent for medical treatment.

Q2. Is a medical check-up essential while buying a health insurance policy?

You may be required to go through a clinical check-up after you buy a policy in case any member who is to be insured is above 45 years of age or for sum insured 15 lakhs or above.

Q3. What's better for me - floater plan or an individual insurance?

Buying an individual cover or a floater cover is completely up to you. However, as a preferred rule, at younger age a long time floater cover is beneficial. A floater cover will be affordable and beneficial as well. However as you grow old, it's better to opt for an individual plan as it can offer you a better sum assured and coverage.

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