Religare Care is a new age comprehensive health insurance for everyone's (individual and family) healthcare needs. The plan covers expenses incurred during hospitalisation, prior and post hospitalisation, day-care treatments, annual health check-up and much more.
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.
You can choose from wide range of Sum Insured options starting from 2 lacs to 6 crores.
All your insured family members above 18 years of age can avail health check-up once every year, irrespective of claims made.
You will get covered for all your claim related medical expenses 30 days before your hospitalization and upto 60 days after your discharge. This list may include follow-up visits, medication, diagnosis… etc.
You can make a claim for medical expenses for treatment at home which would otherwise require hospitalisation if the doctor advises that you are not in a condition to be moved to a Hospital / Hospital room may not be available when you need the medical treatment / The condition lasts and requires medical attention for at least three days .
Insurance company will pay for more than 540 treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.
You can cover any expenses related to the organ donation or transplant in the range of INR 50,000 to INR 3,00,000, depending on the Sum Insured.
If your claim amount exhausts your coverage, this plan automatically recharges your sum insured, which you can use against claims for other ailments apart from your previous claimed ones. (This feature can be availed unlimited times by availing ,Unlimited Automatic Recharge (Optional Cover))
You can claim upto Rs.1500 to Rs.3000 (depending on Sum Insured) spent on ambulance charges per hospitalization. This would be helpful for advanced/better equipped medical support/aid required for rescuing your health condition.
By opting for this cover, you can avail treatment or hospitalization expenses covered Outside India too. (Including United States of America)
With this cover, your sum insured can be automatically recharged unlimited times, when your coverage exhausts. If, due to the claims made, you ever run out of the sum-insured, Religare shall recharge your entire sum insured unlimited times in a policy year. This recharged sum-insured can be used for future claims, which are not related to illness/injury for which the claim has been made during the same policy year. Also note that unutilized sum-insured cannot be carry forwarded to any subsequent policy year.
For every claim free year - you will be rewarded 50% of Sum Insured, which shall be awarded at the next renewal. Care Product has also got a default 10% of No Claim Bonus. So upon choosing the add-on cover 'No Claim Bonus-Super' you will be rewarded 60% of Sum Insured, each year if you make no claims. (*Maximum NCB can be 150%).
Outpatient Consultations, Diagnostic Examinations, Doctor on Call anytime, Health Portal, Wellness offers ..etc can be availed at any network hospital or diagnotic center (upto maximum of 1% Sum Insured and co-payment of 20% are applicable).
With this cover, Religare will reimburse you the expenses you incurred on Outpatient Consultations, Diagnostic Examinations and Pharmacy (Maximum upto specified limit). You can claim for reimbursement twice every policy year.
You can cover yourself/ your spouse/ children against accidents which are never foreseen as they mean! You can choose a cover between the ranges of 'Sum Insured' to '10 times of Sum Insured' (subject to max of 3 crores), which shall pay you 100% of coverage amount in case of Accidental Death and Permanent total Disability on account of any accident/ injury.
Choosing this optional cover reduces the waiting period of Pre-existing diseases of 48 months to 24 months. This cover will be available only at the time of inception of the policy and only for the sum insured choosen at that time.
Through this cover, Religare shall pay you up to the amount specified for availing air ambulance services in India, offered by a Hospital or by an Ambulance service provider, for your necessary transportation from the place of occurrence of Medical Emergency, to the nearest Hospital.
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.
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
The charges for transporting the insured person via ambulance before and after the hospitalization are covered under ambulance charges.
There are mainly 6 types of medical expenses incurred as far as the organ donor is concerned: Organ screening for compatibility, Pre-hospitalization costs, Hospitalization Costs, Organ transplantation surgery, Post-surgery complications & recovery, Post Hospitalization Costs for the Donor
Second opition is requesting an examination and evaluation of a health condition by a second physician to verify or challenge the diagnosis by a first physician. Generally happens in case of critical illnesses
It has been observed that a combination of conventional and alternative medical therapies quicken & aid the process of recovery. It relates to Ayurveda, Sidha, Unani and Homeopathy treatments. The expenses for such treatments are alternative treatment expenses.
Through this benefit, you can avail hospitalization expenses incurred outside India, anywhere in the world.
Through maternity cover, the medial expenses associated with the hospitalization of an insured person for the delivery of a child are covered.
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 which is affordable and packed with various benefits to cover your health care costs, then you should consider this plan. The highlights of this plan is that it has wide range of coverage and day care treatment options. It offers annual checkup for all the adults of the family.
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.
Insurance Inbox helped me find what I need. They patiently guided me through all the important benefits I required and suggested this policy - Religare Care. I have availed the Health checkup of this plan for this year and Insurance Inbox team helped me in scheduling the same as well. Thank you guys (Esp: Mr.Siva Prasad) for helping me all the way.
I realized that I must buy health Insurance first and Insurance Inbox provided me the cheapest and easiest way to get insurance in few minutes.
Insurance Inbox changed my perception towards insurance. It simplified my policy for me , took the stress away and keeps me secured.