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Health Insurance plan from Religare

We believe in complete 'Care' for you & your family

‘Care’ - Health Insurance Policy from Religare

 

Auto Recharge of your Sum Insured

If due to claims made, you ever 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 you make a claim with us!

 

 Hospitalization & Day Care Treatment

If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more. We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours - we cover a comprehensive range of 171 day care treatments, the highest in industry. You will also get cashless treatment at our over 3200+ network hospitals and reimbursement in any other hospital of your choice.

 

 Pre & Post hospitalization

We cover the medical expenses incurred by you even 30 days before your hospitalization. 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 a period of 60 days.

 

 Lifelong Renewability

We will be there for your whole life. The Policy can be renewed lifelong under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.

 

 Get No-Claim Bonus

If you do not have any occasion to claim in your health insurance policy in a particular year, get an increase of 10 per cent in your sum insured during the next year. And for every year that you enjoy un-interrupted good health, your bonus keeps building up, 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.

 

 Review your decision

After purchasing your policy, if you find it unsuitable, you can cancel the same with us. Our policy comes with a free look period of 15 days.

 

Other great benefits you also get are-

There's still lot more we have for you! All our policies are eligible for cliaming deduction for Tax Benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, Domiciliary hospitalization covered, Increase your Policy’s Sum Insured even later, 7.5%Discount on 2 year policy terms, online instant health insurance buy and more.

The standard policy exclusions are - 

  • Any pre-existing ailment/injury that was diagnosed/received within 48 months prior to issuance of the first policy.
  • 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.
  • Please remember, there are some treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years.
For more details, kindly refer to our health insurance policy's detailed exclusion list.
 

Features at a glance

*Cashless treatment at 3300+ hospitals & Daily allowance.

*Auto recharge of your policy Sum Insured, if exhausted.

*Get health check-ups for insured members, every year.

*Avail treatment anywhere in the world.

*Largest list of day care procedures-170.

*No Claim-based loading & Get Lifetime renew.

*No paperwork reqd. Buy & get policy online in 2 mins.

Eligibility Conditions

*Minimum entry age: 91 days  

*Maximum age: No age bar

*Renewal: Lifelong Renewability.  The Policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.                                       

*Renewal Premium: Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.

*Co-payment (SI S Lac & above)If you are 61 years old or more, you will have to pay 20% of the claim amount under the policy We pay the rest.

*Waiting period 30 days for any illness except injury

*Waiting period for pre-existing illnesses: Four years of continuous coverage

*Change in sum insured: You can enhance your sum insured under the policy only upon renewal

*Grace period:30 days from the date of expiry to renew the policy

 

 
Plan Options
Features (Sum Insured )3 Lac, 4 Lac5 Lac, 7 Lac, 10 Lac15 Lac, 20 Lac, 25 Lac50 Lac, 60 Lac
Pre-hospitalisation 30 days 30 days 30 days 30 days
Post-hospitalisation 60 days 60 days 60 days 60 days
Day Care Treatments Yes Yes Yes Yes
Room Rent 1% of SI per day Single Private Room Single Private Room
Upgradable to Next Level
Single Private Room
Upgradable to Next Level
ICU Charges 2% of SI per day No Limit No Limit No Limit
Doctor's Fee etc. No Limit No Limit No Limit No Limit
Other Medical Charges No Limit No Limit No Limit No Limit
Daily Allowance 500 per day upto 5 days - - -
Ambulance Cover 1,500 per claim 2,000 per claim 2,500 per claim 3,000 per claim
Domiciliary hospitalisation Up to 10% of SI Up to 10% of SI Up to 10% of SI Up to 10% of SI
Organ Donor Cover 50,000 1,00,000 2,00,000 3,00,000
Annual Health Check-up Yes Yes Yes Yes
Second Opinion - Yes Yes Yes
No Claim Bonus Yes Yes Yes Yes
Auto-Recharge of Sum Insured Yes Yes Yes Yes
Care Anywhere - - - Yes
 
 



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Get In Touch

 

customercare@saubhagyaenterprises.in
      
      Contact us at: 011-22571217