Religare Health Insurance - Care

Health Insurance Quotes

Plan Type
Individual Health Family Floater
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Issuance of Policy with the Pre-existing disease case will take minimum of one working day

Importance
The Religare Health Insurance provide the best medical care to your family. Insurance company offers health insurance policies that cover you for hospitalization expenses for illness, treatment and recuperation. Get quotes and key coverage details of different health plans by filling the form.

Unique Features
  • Discount: Buy for 2 years and save 7.5% and save 10% for 3years tenure
  • Choose wider sum-insured 3-60 lacs
  • Get automatic recharge if claim amount exhausts your coverage, at no extra cost
  • Free annual health check-up for insured members
  • Optional increase of 'no claim bonus' upto 60% per annum
  • Features
  • Care Highlights
  • Benefit Table
  • Exclusions
Auto Recharge of your Sum Insured
If due to claims made, you exhaust your health cover, we recharge the entire sum insured of your policy, in the policy year. All this at no extra cost!

Avail Health Check-ups, every year
Our concern is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and adult members of your family covered by the policy, every year even if there is a claim.

Day Care Treatment
All the day care treatments are covered* (173)M

Pre & Post hospitalization
Coverage for medical expenses incurred by you even before admitting to hospital for 30 days. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also for 60days.

Daily Allowance
This will help you take care of the incidental non-medical expenses (attendant meals, transportation etc.) incurred during hospital stay.

Get No-Claim Bonus
If you do not have any occasion to claim in your health insurance policy in a particular year, get 10% increase in your sum insured up to 50% of your sum insured! It’s just our way to tell you that we’re there with you in good times and in bad.

Other great benefits you also get are-
There's still lot more we have for you!
All our policies are eligible for claiming deduction for Tax Benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, Domiciliary hospitalization covered 7.5% Discount on 2 year policy terms, online instant health insurance buy and more.

In-patient Care Covers hospitalization expenses incurred as an in-patient in a Hospital which will include Room, Boarding and O.T charges. Fees of Surgeon, Anesthetist, Nurses, Specialists etc.
Day Care Treatment Due to advancement of technology, hospitalisation expenses for certain treatments / diseases like Cataract, Eye Surgery, Dialysis etc are also covered, even though the hospitalisation is for less than 24 hours.
Domiciliary hospitalization Medical Treatment for a period exceeding three days, which in the normal course, would require hospitalisation, but treatment is actually taken at home, under circumstances like condition of the patient does not permit him/her to be removed to Hospital or patient cannot be admitted to Hospital for lack of accommodation therein.
Pre and Post Hospitalisation Policy also covers relevant medical expenses incurred during a specified period, before & after hospitalisation.
Organ Donor Covers hospitalisation expenses towards donor in case of major organ transplant.
Ambulance cover Reimbursement of Expenses incurred for necessary transportation of the insured to the Hospital in an ambulance for hospital admission and requiring immediate treatment.
Tax Benefit Premium paid for Policy is eligible for tax deduction under section 80 D of the Income Tax Act.
Health Check-up To pre-empt you ever have to visit a hospital, you can avail our comprehensive health check-ups for yourself and adult members of your family covered by the policy, every year. Even if you make a claim with us!
Second Option If you are suffering from a serious illness or wish to get a second opinion of an expert/doctor, the insurance company will arrange one for you with free of cost.

Features (Sum Insured in Rs ) 3 Lakhs, 4 Lakhs 5 Lakhs, 7 Lakhs, 10 Lakhs 15 Lakhs, 20 Lakhs, 25 Lakhs 50 Lakhs, 60 Lakhs
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 sum insured per day Single Private Room Single Private Room
Upgradable to Next Level
Single Private Room
Upgradable to Next Level
ICU Charges 2% of sum insured 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 per day upto 5 days - - -
Ambulance Cover Rs.500 per claim Rs.2,000 per claim Rs.2,500 per claim Rs.3,000 per claim
Domiciliary hospitalisation Up to 10% of sum insured Up to 10% of sum insured Up to 10% of sum insured Up to 10% of sum insured
Organ Donor Cover Rs.50,000 Rs.1,00,000 Rs.2,00,000 Rs.3,00,000
Annual Health Check-up Yes Yes Yes Yes
Second Opinion - Yes Yes Yes
No Claim Bonus Yes Yes Yes Yes
Auto-Recharge of Sum Insured Yes Yes Yes Yes
Care Anywhere -- - Yes

  • Any pre-existing ailment/injury that was diagnosed/received within 48 months prior to issuance of the first policy.
  • Any diseases contracted during first 30 days of the policy start date except those arising out of accidents.
  • Non-allopathic treatment.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Cost of spectacles/contact lenses, dental treatment
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Congenital disease
  • Tests and treatment relating to infertility and in vitro fertilization.
  • Treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years.
 

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