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HDFC

Care

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.

Sum Insured

2,00,000 to 6,00,00,000

Premium starts from

6,065

Key Highlights

    Cashless treatment at 4900+ network hospitals.

    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.

    Wide Range of Sum Insured

    You can choose from wide range of Sum Insured options starting from 2 lacs to 6 crores.

    Annual Health Check-up

    All your insured family members above 18 years of age can avail health check-up once every year, irrespective of claims made.

    Key Product Benefits to Check

      Expenses before and after Hospitalization

      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.

      Treatment at home

      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 .

      Day Care Treatment

      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.

      Organ Donor Cover

      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.

      Restoration of 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))

      Reimbursement of Ambulance Expenses

      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.

      ..read

      Exclusions to note

        Pre existing diseases

        In the first 4 years of subscription, Religare will not pay for treating medical conditions that you may have been suffering from, before purchasing the policy.

        30 days Waiting Period

        You can only claim for treatments of accidental injuries for the first 30 days after taking the policy

        2 years waiting period

        This policy covers some diseases/treatments like Cataract, Hysterectomy. only after 2 years

        Additional Covers Available

        Global Coverage- Total

        By opting for this cover, you can avail treatment or hospitalization expenses covered Outside India too. (Including United States of America)

        Unlimited Automatic Recharge

        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.

        Super No Claim Bonus

        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%).

        Everyday Care

        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).

        OPD Care

        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.

        Personal Accident Cover

        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.

        Reduction in PED waiting Period

        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.

        Air Ambulance Cover

        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.

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        Assets to be Covered

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          Your Health

          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.

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          Family Health

          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.

          Risks to be Covered

          Family

          Hospitalization expenses

          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.

          70% Complete

          10/10
          Family

          Pre & Post Hospitalization Expenses

          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.

          70% Complete

          9/10
          Family

          Day Care Treatment expenses

          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.

          70% Complete

          8/10
          Family

          Domiciliary treatment expenses

          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

          70% Complete

          8/10
          Family

          Health Check up expenses

          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

          70% Complete

          9/10
          Family

          Ambulance Charges

          The charges for transporting the insured person via ambulance before and after the hospitalization are covered under ambulance charges.

          70% Complete

          6/10
          Family

          Organ donor expenses

          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

          70% Complete

          8/10
          Family

          Second opinion expenses

          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

          70% Complete

          7/10
          Family

          Ayurveda, Homeopathy, Unani and other alternative treatment expenses

          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.

          70% Complete

          7/10
          Family

          Global Hospitalization

          Through this benefit, you can avail hospitalization expenses incurred outside India, anywhere in the world.

          70% Complete

          6/10
          Family

          Maternity related expenses

          Through maternity cover, the medial expenses associated with the hospitalization of an insured person for the delivery of a child are covered.

          70% Complete

          6/10
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          Our Expert Says

            Hi Dr. Kamalakar Sai, I am looking for a Health Insurance cover. Can you please brief me about this product

            Anonymus

            Kamalakar Sai

            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...

            Anonymus

            Kamalakar Sai

            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.

            Our Experts Panel

              user

              Dr. Nandagopal Pothula

              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.

              user

              Dr. Kamalakar Sai

              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

              user

              Dr. Mamtaa Goel

              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.

              FAQ’s

                Is there any tax benefit?

                Yes. Premium paid under the Policy shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments thereon.

                What all documents do I need to furnish to get this policy?

                Not Required. You just need to fill up the Form and pay online - Policy will be issued (unless underwriting scenarios). The entire process will be done in less than 4 min

                What is the eligibility criteria for the policy?

                Range of age for children is 3 months to 23 years. Minimum age for the proposer is 18 years with no limit on the maximum age

                What is the difference between a family floater and critical illness or hospital cash insurance?

                The individual or family floater health insurance works on the principle of indemnity. This means that these insurance policies will pay you only what you have spent for medical treatment in hospital. On the other hand, the critical illness or the hospital cash insurance pays you the amount insured, irrespective of the amount spent for medical treatment. These are a benefit based policies.

                How does the Auto recharge work?

                Religare will automatically recharge the sum insured, in case the sum insured and any no claim bonus accumulated is exhausted during the policy year. The sum insured will be recharged once in a policy year. Recharge Sum Insured can be used for future claims and not against an illness/disease (including its complications) for which a claim has already been made in the current policy year.

                Do I need to undergo a medical check-up while buying a health insurance policy?

                You may be required to undergo a medical check-up after you buy, in case any member to be insured is above 45 age or for sum insured Rs. 15 Lakhs or above. Incase the policy is issued, you will not be charged anything. However, if the policy is declined/Canceled, medical charges will be deducted from the refundable premium amount.
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                Testimonials

                  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.

                  -- Kiran Dhanireddy

                  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.

                  -- Ishita Karbelkar

                  Insurance Inbox changed my perception towards insurance. It simplified my policy for me , took the stress away and keeps me secured.

                  -- Surya