Religare Care Freedom is a comprehensive health plan designed exclusively for Senior Citizen's. The plan covers expenses (prior and post) incurred during hospitalization, day-care treatments (that do not require hospitalization), health check-up and much more. It doesn’t require any pre-policy medical check-up for all ages and sum assured. Also, waiting period is only 2 years in case of pre-existing diseases.
You don’t have to pay even a single paisa from your own pocket in more than 4900+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.
Insurance company will pay for more than 170+ treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.
No medical check up is required for all ages and sum insured
You will get covered for upto 7.5% to 10% of your coverage for all the claim related medical expenses before your hospitalization.This list may include follow-up visits, medication, diagnosis… etc.,
You will get covered for upto 7.5% to 10% of your coverage for all the claim related medical expenses after hospitalisation.
All your insured family members above 18 years of age can avail health check-up once every year, irrespective of claims made.
You can claim upto Rs. 1000 spent on ambulance charges per hospitalization. This would be helpful for advanced/better equipped medical support/aid required for rescuing your health condition.
You get automatic recharge of sum insured if claim amount exhausts your coverage limit, at no extra cost
In case you or any of the insured members are admitted into Hospital for treatment of any one illness or injury and if the hospitalization exceeds 10 days, lumpsum amount for companion benefit of Rs.10000-15000 will be payable.
You can claim upto 1,000 per sitting limited upto 24 consecutive months for the dialysis expenses incurred by you. You cannot claim for this, if the Kidney disease is identified as Pre Existing Disease
With this cover you can get upto 8 doctor consultations in any of the Network Hospitals, upto a specified limit with a Co-payment as per the base plan.
Religare will reimburse the expenses incurred towards hiring a qualified Nurse with the purpose of providing care and convenience to perform Insured Persons daily activities, subject to maximum of 7 days per illness/injury & maximum 45 days per policy year after a deductible of 1 day
This is an additional cover to Annual Health Check. With this you can upgrade your checkup to either Diabetes Health Checkup or Cardiac Health Checkup.
You need to take care of yourself so that you can provide your loved ones with all they need. Protect your health from any unwarranted financial troubles by opting for a health insurance plan.
Your family means the world to you and is the most precious thing in your life. You would want to protect it at all costs. Protect your family with health insurance plan so that no financial problem can burden your family.
The charges for transporting the insured person via ambulance before and after the hospitalization are covered under ambulance charges.
Hospitalisation Expenses means the medical treatment costs that is necessary andreasonable in scope to treat the condition for which the Insured Person was Hospitalisedto the extent that such cost does not exceed the reasonable charges. The patient has to be in the hospital for at least 24 hours. Generally covers ICU charges, surgery, anaesthesia, doctor's charges etc.
Pre-hospitalization expenses include various charges related to medical tests before an individual gets hospitalized. Post hospitalization expenses include all expenses or charges incurred by an individual after he or she is hospitalized.
Day Care Treatment refers to medical treatment and/or surgical procedure which is undertaken under General or Local Anaesthesia in hospital / day care centre in less than 24 hours because of technological advancements. The expenses for these tratments are day care treatments.
Domiciliary Hospitalization is the treatment of the patient taken at home due to lack of accommodation in the hospital/nursing home or the patient's condition being such that he/she cannot be shifted to the hospital
Many insurers these days provide health check up feature for its insured members per some number of years. Many insurers also provide these check-ups as cashless at their network hospitals
Dialysis is used during end-stage kidney failure to replace the functions of the kidneys -- including waste removal and regulation of blood levels of potassium and sodium. The expenses for this treatment are dialysis expenses
Hi Dr. Kamalakar Sai, I am looking for a Health Insurance cover. Can you please brief me about this product
If you looking for a plan for Senior Citizen's which is packed with various benefits, then you should consider this plan. The best part of this plan is that it does not have pre-policy medical check-up. Another feature to be considered is that the pre- existing diseases are covered after 2 years of waiting period.
Thank you so much for your help...
It’s my pleasure. Please feel free to ask whatever questions you have. Myself or my friends will try our best to answer. Just click the below button and ask your questions.
Dr. Nandagopal Pothula has been in the field of Finance and Insurance for the past 19 years. He was the Senior Vice Presidentat Birla Sun Life Insurance and also served as the CEO of Reliance Life Insurance before founding India First Life Insurance Company. He is the CEO of Insurance Inbox.
Kamalakar Sai has 22 years of experience in finance and insurance background. He has held key managerial positions at Birla Sun Life Insurance, Reliance Insurance, India First Insurance and is currently serving as the Director of Geosansar Insurance Brokerage Private Limited.
Mamtaa Goel is the Business Director at Insurance Inbox. She has an excellent 12 year record in the field of Insurance having served in senior managerail capacities at Reliance Insurance, TTK Healthcare and IndiaFirst Life Insurance.
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