Religare Health Insurance - Care

Health Insurance Quotes

Plan Type
Individual Health    Family Floater
Coverage Type
Coverage Amount
Age of senior:
     years OR age
Insurance Start Date
Insurance End Date
 
 
*Optional
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
  • Lifelong Renewability
  • Optional increase of 'no claim bonus' upto 60% per annum

Issuance of Policy with the Pre-existing disease case will take minimum of one working day

Health insurance
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.
  • Features
  • Care Highlights
  • Benefit Table
  • Exclusions
  • Policy terms
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.
Annual 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/ Plan (SI) Care 3 ( 4 Lac )
Super Saver
Care 4 (5,7,10 Lacs)
Elite
Deductible in policy period Yes, Rs.10,000 No deductible
In patient hospitalization Upto Sum Insured Upto Sum Insured
Pre-hospitalization 30 days 30 days
Post-hospitalization 60 days 60 days
Day Care Treatments Yes Yes
Room Rent 1% of SI per day Single Private Room
ICU charges 2% of SI per day No Limit
Ambulance Cover Rs.1,500/ hospitalization Rs.2,000/ hospitalization
Daily Allowance Rs.500/ day upto 5 days -
Domicilliary hospitalization Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members
Recharge of SI Yes Yes
No Claim Bonus Yes Yes
Organ Donor Cover Rs.50,000 Rs.100,000
Second opinion Yes Yes
Alternative Treatments Upto 15,000 Upto 20,000

Features/ Plan (SI) Care 4 (5,7,10 Lacs)
Elite
Care 5 (15,20,25,30,40 Lacs)
Elite Plus
In patient hospitalization Upto Sum Insured Upto Sum Insured
Pre-hospitalization 30 days 30 days
Post-hospitalization 60 days 60 days
Day Care Treatments Yes Yes
Room Rent Single Private Room Single Private Room
(upgradable to next level)
ICU charges No Limit No Limit
Ambulance Cover Rs.2,000/ hospitalization Rs.2,500/ hospitalization
Domicilliary hospitalization Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members
Recharge of SI Yes Yes
No Claim Bonus Yes Yes
Organ Donor Cover Rs.100,000 Rs.200,000
Second opinion Yes Yes
Alternative Treatments Upto Rs.20,000 Upto Rs.30,000

Features/ Plan (SI) Care 5 (15,20,25,30,40 Lacs)
Elite Plus
Care 6 (50,60,75 Lacs)
Global
In patient hospitalization Upto Sum Insured Upto Sum Insured
Pre-hospitalization 30 days 30 days
Post-hospitalization 60 days 60 days
Day Care Treatments Yes Yes
Room Rent Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
ICU charges No Limit No Limit
Ambulance Cover Rs.2,500/ hospitalization Rs.3,000/ hospitalization
Domicilliary hospitalization Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members
Recharge of SI Yes Yes
No Claim Bonus Yes Yes
Organ Donor Cover Rs.200,000 Rs.300,000
Second opinion Yes Yes
Alternative Treatments Upto Rs.30,000 Upto Rs.40,000
Care Anywhere - Yes
Maternity Cover - Upto 100,000

Features/ Plan (SI) Care 6 (50,60,75 Lacs) Global Care 7 (1,2,3,6 Cr) Global Plus
In patient hospitalization Upto SI Upto SI
Pre-hospitalization Upto SI ,30 days Upto SI , 30 days
Post-hospitalization Upto SI ,60 days Upto SI , 60 days
Day Care Treatments Upto SI Upto SI
Room Rent Single Private Room (upgradable to next level) Single Private Room
(upgradable to next level)
ICU charges No Limit
Ambulance Cover Rs.3,000/ hospitalization Rs.3,000/ hospitalization
Domicilliary hospitalization Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members
Recharge of SI Yes, Up to SI (Once in a Policy Year) Yes, Up to SI (Once in a Policy Year)
No Claim Bonus Yes Yes
Organ Donor Cover Rs.300,000 Rs.500,000
Second opinion Yes Yes
Alternative Treatments Upto Rs.40,000 Upto Rs.50,000
Care Anywhere Yes Yes
Maternity Cover Upto 100,000 Upto 200,000
Vaccination Cover - Yes, Upto Rs. 10,000
Global Coverage: (excluding USA)
Coverage outside India & USA - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year
- Up to SI for Hospitalization Expenses &
up to the limit specified under `Maternity Cover`
towards Maternity expenses; With a 10% co-payment per Claim
Global Coverage - Total
Geographical scope of Benefit `Global Coverage (excluding USA)` is extended to USA also
- Up to SI for Hospitalization Expenses &
up to the limit specified under `Maternity Cover`
towards Maternity expenses; With a 10% co-payment per Claim

Features/ Plan (SI) Care 7 (1,2,3,6 Cr)
Global Plus
In patient hospitalization Upto SI
Pre-hospitalization Upto SI , 30 days
Post-hospitalization Upto SI , 60 days
Day Care Treatments Upto SI
Room Rent Single Private Room
(upgradable to next level)
ICU charges -
Ambulance Cover Rs.3,000/ hospitalization
Domicilliary hospitalization Upto 10% of SI
Health Check-up Yes, all members
Recharge of SI Yes, Up to SI (Once in a Policy Year)
No Claim Bonus Yes
Organ Donor Cover Rs.500,000
Second opinion Yes
Alternative Treatments Upto Rs.50,000
Care Anywhere Yes
Maternity Cover Upto 200,000
Vaccination Cover Yes, Upto Rs. 10,000
Global Coverage: (excluding USA) Coverage outside India & USA - 45 continuous days in a single trip; Max. 90 days on a cumulative basis, in a Policy Year Up to SI for Hospitalization Expenses & up to the limit specified under `Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim
Global Coverage - Total Geographical scope of Benefit `Global Coverage (excluding USA)` is extended to USA also Up to SI for Hospitalization Expenses & up to the limit specified under `Maternity Cover` towards Maternity expenses; With a 10% co-payment per Claim
  • 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.
  1. Minimum entry age: 91 days

  2. Maximum age: No age bar

  3. Renewal: Lifelong Renewability. The Policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.

    Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.

  4. Co-payment: No Co-payment in policy, if age of the eldest member insured with us at the time of first policy is below 61 years.
    20% Co-payment will be applicable in policy, if age of the eldest member insured with us at the time of first policy is 61 years or above 61 years i.e. you will have to pay 20% of the claim amount under the policy, if any. We pay the rest.

  5. Waiting period: 30 days for any illness except injury

  6. Waiting period for pre-existing illnesses: Four years of continuous coverage

  7. Change in sum insured: You can enhance your sum insured under the policy only upon renewal

  8. Grace period: 30 days from the date of expiry to renew the policy

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