Care Formerly Religare Health Insurance - Care

The Care Formerly 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.

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Key features of Care (Formerly Religare) Health Insurance

  • 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

Care(Formerly Religare) Health Insurance Review

Sum Insured
4 lacs – 600 lacs options available
Tenure Options
1, 2, 3 years options available
Claims Incurred Ratio *
55.00%
Claims Settlement Ratio **
93.44%
List of Network Hospitals
7,400+ hospitals
Number of Policies issued *
6,91,739
Number of Lives Covered *
1,07,13,000
Maximum Family Floater Coverage
Self, Spouse + dependent (children + parents)
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

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Care (Formerly Religare) Health Insurance - Care highlights

  • Features
  • Care Highlights
  • Benefit Table
  • Exclusions
  • Policy terms

Features of Care (Formerly Religare) medical insurance

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
Covers more than 540 day care treatments.

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.

Plan highlights of Care (Formerly Religare) health insurance

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.

Care (Formerly Religare) Care insurance benefit table

4 lacs 5, 7, 10 lacs 15, 20, 25, 30, 40 lacs 50, 60, 70, 75 lacs 1, 2, 3, 6 crores
In-Patient Hospitalization Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured Up to Sum Insured
Pre-hospitalization 30 Days 30 Days 30 Days Up to SI,30 Days Up to SI,30 Days
Post-hospitalization 60 Days 60 Days 60 Days Up to SI,60 Days Up to SI,60 Days
Day Care Yes Yes Yes Yes Upto SI
Room Rent 1% of SI per day Single Private Room Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
ICU Charges 2% of SI per day No Sub-Limit No Limit No Limit ---
Ambulance Cover Rs.1,500/
Hospitalization
Rs.2,000/
Hospitalization
Rs.2,500/
Hospitalization
Rs.3,000/
Hospitalization
Rs.3,000/
Hospitalization
Domiciliary Hospitalization Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI
Health Check-up Yes Yes Yes Yes Yes
Automatic Recharge of Sum Insured Yes Yes Yes Yes Yes, Up to SI (Once in a Policy Year)
No Claim Bonus Yes Yes Yes Yes Yes
Organ Donor Cover Rs.50,000 Rs.100,000 Rs.200,000 Rs.300,000 Rs.500,000
Second Opinion Yes Yes Yes Yes Yes

Exclusions of Care (Formerly Religare) Care medical insurance

  • 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.

Care (Formerly Religare) medical insurance - Policy terms

  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.
Care(Formerly Religare) health insurance
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