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Religare

Religare Health Insurance

Religare Health Insurance Co. Ltd. is a brainchild of Religare Enterprises Ltd. (REL), and two major public-sector banking stalwarts - Union Bank of India and Corporation Bank. Religare Health Insurance Co. Ltd. (IRDA Registration no. 148) specialises mainly in health insurance products. The company also offers travel insurance.Launched in July 2012, Religare Health Insurance brings together the expertise of Religare Enterprises in investment solutions, stock broking and wealth management and the thick network of customers from the two nationalized banks. The company has intersting health insurance policies that closely suit the needs of the customers.

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Plans Offered by Religare Health Insurance

    Plan Name : Care - Health Insurance Plan

    Care is a basic health insurance plan that offers restore benefit, regular health check-up, no claim bonus among other features, apart from regular coverage for hospitalization expenses. The plan is available on both individual and family floater basis. Care also has a no-claim bonus variant where a 50% no-claim bonus is provided after every claim-free year (up to a maximum of 100%). The details of each variant is given below.

      Individual Coverage

      • This health insurance policy offers coverage in the range of INR 3,00,000 and INR 60,00,000 for individuals of any age.
      • Besides regular features such as hospital expense cover, ambulance cover etc., the plan also has benefits like restore benefit(automatic restoration of coverage amount in case the coverage amount is exhausted), regular health check-up, pre and post hospitalization cover, daily allowance, no-claim bonus (additional sum assured offered as bonus after every claim free year), no co-pay up to entry age 60 years and is valid for treatments anywhere in the world.

          Family Coverage

          • This is a family floater plan which covers health costs of the entire family in the range of INR 3,00,000 and INR 60,00,000.
          • A maximum of 2 adults and 4 children in the family of any age can be covered under this policy.
          • Besides regular features such as hospital expense cover, ambulance cover etc., the plan also has benefits like restore benefit, no-claim bonus, regular health check-up, pre and post hospitalization cover, daily allowance, no co-pay up to entry age 60 years and is valid for treatments anywhere in the world.
              Note:This plan has a room rent limit is applicable up to INR 5,00,000.

            Plan Name : Enhance

            Enhance is a top-plan available on individual as well as family floater basis. In these plans, a pre-agreed deductible amount is to be paid at the time of claim. More information about the benefits offered in the plan are mentioned below:

              Individual Coverage

              • This is a top-up plan (these plans have a pre-agreed deductible amount to be paid at the time of claim) for individuals from age 1 year up to 70 years.
              • It has a coverage of INR 5,00,000 with a deductible in the range of INR 1,00,000 and INR 10,00,000
              • Besides regular features such as hospital expense cover, ambulance cover etc., the plan also has benefits like restore benefit, regular health check-up, pre and post hospitalization cover, daily allowance and is valid for treatments anywhere in the world.

                  Family Coverage

                  • This is a family floater top-up plan (these plans have a pre-agreed deductible amount to be paid at the time of claim) for individual in the range of 18 years and 70 years.
                  • t has a coverage of INR 5,00,000 with a deductible in range of INR 1,00,000 and INR 10,00,000.
                  • Besides regular features such as hospital expense cover, ambulance cover etc., the plan also has benefits like restore benefit, no-claim bonus, regular health check-up, pre and post hospitalisation cover, daily allowance and is valid for treatments anywhere in the world.
                      Note:To know more about this plan, contact insuranceinbox.

                    Plan Name : Religare Assure: Critical Illness and Personal Accident Cover

                    This is a critical illness benefit plan for individuals for critical illness together with personal accident cover. More information about the coverage is mentioned below:

                      Critical Illness

                      • The coverage is in the range of INR 5,00,000 and INR 1,00,00,000.
                      • The plan provides benefits of second opinion and health check-up along with personal accident coverage which includes accidental death coverage and permanent total disability cover.
                      • A lump sum amount equal to sum insured is paid to the policy holder in case of critical illness or accident.
                          Note:To know more about this plan, contact insuranceinbox.

                      Claim Process at Religare

                      There are two ways to make claim under a Health Insurance Policy: on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization. Religare Health Insurance has a well-defined claim processing system.There are two ways to make claim under a Health Insurance Policy: on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization. Religare Health Insurance has a well-defined claim processing system.

                      Review of Religare Health Insurance Company Ltd.

                      With the legacy in healthcare and more than 4100 leading hospitals in cashless network across the country, Religare definitely perches into the higher slots in Health Insurance Domain. With an impressive claim settlement ratio of more than 87%, Religare health insurance plans have to be on your list if you are looking to buy one. From the option of availing treatment anywhere in the world, to an annual health check-up that ensures your sustained good health, Religare has it all. Call Coverfox at 1800-209-9920 to help you choose the best plan for you.

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