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Religare Health Insurance

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Religare Health Insurance

Religare Health Insurance Company Limited is a leading health insurance provider in India and specializes in the distribution of a range of health insurance products. Religare has its stakeholders holding three interrelated organizations - Religare Enterprise Ltd, Corporation Bank, and Union Bank of India. Religare Health Insurance is supported by the founders of Fortis Healthcare. The Religare Health Insurance Co. Ltd has its strong presence across 1700 locations all over India. Approved by Insurance Regulatory and Development Authority of India in 2012, Religare health insurance is one of the leading private sector insurance companies to fund policies in the health insurance sector.


Due to sedentary lifestyle and stressful work environment, health ailments are constantly on a rise. The growing cost of medical treatment makes it even more difficult for a mid-income family to deal with such medical emergencies. Religare offers different health insurance policies and there is one as per your need such as maternity plans, senior citizen insurance plans, Diabetes and hypertension, cancer/critical illness insurance, top-up health plans, individual and family floater plans to name a few.

With the help of Religare medical insurance policy, you can avail several benefits including hospitalization expenses, nursing care, surgeries, cashless payment in network hospitals, diagnostic tests, room charges etc. The insurer has also bagged the ‘Best Medical Insurance Product Award’ at the FICCI Healthcare Awards. In addition to this it has also been awarded as the Claim Leader of the Year.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

Religare Health Insurance at a Glance:

Features of the Company Specifications
Hospital Network 7400+
Incurred Claim Ratio ( 2018-2019) 55%
Claim Settlement Ratio 93%
Waiting Period specified for Pre-existing disease(s) 4 years
Policy Renewability Lifetime renewal
Total Claim Paid  7lakh+

Religare Health Insurance Policy Term

Minimum entry age 91 days (varies as per the plan opted)
Maximum age No Limit (varies as per the plan opted)
Renewal of Policy The policies come with Lifelong Renewability feature. The Policy can be renewed as it is or can be also renewed as its closest substitute approved by IRDA.
Renewal premiums Premium payable on renewal of policy and on subsequent continuation of cover are subject to change.
Co-payment The terms for co-payment option: If the age of the eldest member insured is below 61 years Co-Payment is not applicable. 20% Co-payment will be available if the age of the eldest member insured is 61 years or above 61 years.
Waiting period The waiting period is 30 days for any illness, except injury. Waiting period for pre-existing illnesses is four years of continuous coverage.
Change in sum insured The sum insured under the policy can be enhanced only upon renewal.
Grace period To renew the policy the grace period is 30 days from the date of expiry.

Why Buy Religare Health Insurance Plans?

Religare health insurance provides some of the most comprehensive health insurance coverage with a wide range of plan options. The policies are designed to provide financial cushion to the policyholder and the insured members, which helps them in mitigating the out of pocket expenditures.  The applicant can choose from various health plan options like personal accident cover, senior citizens, maternity cover, etc. The insurer pays you for hospitalization expenses, pre and post hospitalization including OPD expenses, diagnostic tests, doctor’s fee, etc.

Before making the purchase or renewal you can compare various health insurance options. Religare Health Insurance Company also offers a range of individual, family floater, and group/corporate insurance plans to meet the needs of its vast range of customers.
Below are the reasons that make Religare health insurance Company a trustworthy option:

  • Healthcare Legacy: A strong and well-established healthcare legacy, backed by India’s leading healthcare units – Fortis Healthcare Limited, Religare Wellness, and SRL Diagnostics. Rich healthcare experience makes the company the best choice for you.
  • Ultra-wide Hospital Network: An option to choose treatment at home or a leading hospital across India.
  • Easy Communication: Just bring your requirements to the company and you will get an adequate resolution right away. No additional overhead or third-party involvement and direct communication.
  • Most Suitable Products: The insurance products offered by the Religare health insurance company are highly convenient. Insured can avail treatment globally and can ensure good health with regular health check-ups.

Key Benefits and Features of Religare Health Insurance Plan

Religare Health Insurance offers comprehensive features that make it an obvious choice for you and your family. These customized features are specially designed for individual customers while keeping their key insurance requirements in view. Following are the key advantages that a policyholder can avail from Religare Health Insurance Plans:

  • The company offers health insurance plans for families up to 6 members (4 Adults and 2 Children)
  • Its health insurance plans offer expense coverage for up to 30 Days and 60 Days prior to and post hospitalization
  • Religare health insurance also provides critical illness cover and pays for the expenses incurred on treatment on life-threatening illnesses
  • The insurer also gives an option to avail alternative treatment cover, day-care procedures, ambulance cover, health check-ups, and the likewise
  • The insurance company has designed specific health plans that cover 16 critical heart-related conditions
  • Wide range of defined surgeries are also recompensed by Religare health insurance plans
  • Pre-existing diseases are covered after a waiting period of 4 years
  • Its policies are lifelong renewable, and the policyholder does not have to worry about any financial issue that may strike during a medical emergency
  • Religare Health Insurance has tie-up with more than 7400 hospitals where the insured person can avail cashless treatment facility
  • The insured can avail free medical checkup facilities as well

Religare Health Insurance Plan Add on Covers

The following are the add-on Covers offered by Religare Health Insurance with all their medical insurance plans:

  • No Claim Bonus Super: This add on cover provides an increase of the sum insured by 50% for every claim-free year up to maximum 100%
  • Everyday Care: This add on cover provides 1% of Sum Insured for doctor consultation & diagnostic tests each
  • Unlimited Automatic Recharge: This add on cover provides re-instatement of the sum insured every time it gets exhausted, for an unlimited number of times.
  • Air Ambulance Cover: This add on cover provides proper coverage for treatments which are not in your city
  • Personal Accident Cover: This add on cover provides Accidental Death cover and Permanent Total Disability cover for up to 10 times of the Sum Insured
  • International Second Opinion: This add on cover provides you the option to consult doctors before going ahead with any course of treatment.
  • Global Coverage: This add on cover provides cashless cover at network hospitals outside India

List of Religare Health Insurance Plans

Religare Health Insurance Company Limited has a super strong network of hospitals with assured cashless treatment in a hassle-free manner. Try Religare health insurance premium calculator to know how much premium you have to pay for a particular policy. The various health insurance policies offered by Religare are given below:

  • Religare Care Health Insurance Plan
  • Religare Joy (Maternity and New-born)
  • Religare Care Senior Health Plan
  • Religare Enhance Super top-up plan
  • Religare Care Freedom (Diabetes and Hypertension)
  • Religare Critical Mediclaim Policy
  • Religare Cancer Mediclaim Policy
  • Religare Heart Mediclaim Policy
  • Religare Care Heart Plan
  • Religare Operation Mediclaim
  • Religare Secure Policy
Name of Plan Minimum Entry Age Maximum Entry Age Policy Term
Care 5 years No Limit 1 year/ 2 years/ 3 years
Enhance 1 day No Limit 1 year/ 2 years/ 3 years

For adults: 18 years

For children: 1 Day

For Newborn: 1 Day

For adults: 45 years

For children: 24 years

For Newborn: 90 Days

1 year/ 2 years/ 3 years
Assure 18 Years 65 Years 1 year/ 2 years/ 3 years
Secure 91 days

For children - 24 years

For adults: 70 years

1 year/ 2 years/ 3 years

Let us discuss each plans in detail:

  • Religare Care Health Insurance Plan

    Religare Care is a comprehensive health Insurance plan that offers complete coverage to you and your family with assured quick claim settlement and hassle-free life throughout your life. Following are the key features:
    Plan Type Individual/Family Floater
    Sum Insured Rs 4 Lakh- Rs 6 Crore
    Entry Age Minimum 91 days
    Entry/Exit Age Maximum No age bar
    Co-pay 20% for 61 years and above

    Features and Benefits:

    • A wide network of over 7400 hospitals with cashless facility
    • Global healthcare treatment cover
    • It offers coverage for hey 540 day-care treatments
    • Hospitalization cover for more or less than 24 hours
    • Robotic surgery cover is offered
    • The policy offers inbuilt maternity cover up to Rs 1 Lakh for sum insured above Rs 1 Lakh
    • Pre-hospitalization expenses for up to 30 days and post-hospitalization expenses for up to 60 days
  • Religare Joy Health Insurance Plan: A Maternity Insurance Focused Plan

    Religare believes in the miracle of life, which is the most joyous experience of the lifetime. This Religare Health insurance plan covers hospitalization expenses in case of pregnancy along with new-born baby cover. Following are the key features of this plan:
    Plan Type Maternity Insurance
    Plan Variants Joy Today & Joy Tomorrow
    Sum Insured

    Joy Today: Rs 3/5 Lakh

    Joy Tomorrow: Rs 3/5 Lakh

    Entry Age Minimum 18 years
    Entry Age Maximum 45 years
    Coverage Individual ( upto 6 members)

    Features and Benefits

    • Religare Joy health plan includes medical expenses incurred on day care treatments, hospitalization, and maternity expenses
    • Free coverage of newborn baby for up to 90 days, and then at standard premium payment.
    • Pre-hospitalization expenses for up to 30 days and post-hospitalization expenses for up to 60 days
    • No claim bonanza brings 100% increase in Sum Insured
    • Maternity claims with a waiting period of 9 months
    • Single private air-conditioned room can be availed
    • A three-year policy that powers you shift your focus onto what's more important for you, instead of worrying about policy renewal, claim and so forth.
    • Tax benefits on premiums paid towards the health insurance policy, as per the Indian Income Tax Act
  • Religare Care Senior Health Insurance Plan

    Religare Care Senior is a health insurance policy for elderly people above the age of 61 years. It comes in two variants i.e. Care 8 and Care 9. This Religare Health Insurance policy is specifically designed for senior citizens in your family. Now, you can take better care of elderly members in your family with assured health coverage up to Rs. 10 Lakh.
    Plan Type Individual/Family Floater
    Minimum Age of the Proposer 18 years and above
    Entry Age Minimum 61 years
    Entry/Exit Age Maximum Lifelong
    Coverage Type Up to 6 members (Individual/floater)

    Features and Benefits

    • Flexible policy terms (1 year/2 years/3 years)
    • Cashless treatment across 7400 hospitals nationwide
    • Inpatient hospitalization coverage up to the sum insured
    • The benefit of annual health check-up facility
    • Day care treatment cover up the sum insured
    • Pre and post-hospitalization cover for 30 and 60 days respectively
    • 100% additional sum insured upon exhaustion of the sum insured limit
    • Organ donor cover: Rs 50000 (Care 8) and Rs 1 Lakh (Care 9)
    • Alternative treatments and domiciliary hospitalization expenses are also recompensed
    • Ambulance coverage up to Rs 1500-Rs 2000 per hospitalization

    Additional Benefits

    • OPD cover options: Rs 5000 (Care 8) and Rs 10,000 (Care 9)
    • NCB Super ranging from 50% to 100%
  • Religare Enhance Health Insurance: A Super Top-up Insurance for already Insured

    Religare Enhance is a super top-up health insurance policy with high deductibles.  Increasing medical inflation demands extra care for you and your family at a significantly lesser premium, as Religare Health Insurance does not want you to have any extra burden that could turn out to be a financial crisis for you. Following are the highlights of this super top-up plan:
    Plan Type Top-up
    Sum Insured Rs 1-30 Lakh
    Deductibles Rs 1-10 Lakh
    Entry Age Minimum 1 Day
    Entry/Exit Age Maximum No Bar
    Coverage Type Individual/Floater Option

    Features and Benefits:

    • The policy covers in-patient hospitalization expenses up to the sum insured limit
    • Pre-hospitalization expenses for up to 30 days and post-hospitalization expenses for up to 60 days
    • The policy covers 170 day-care treatment expenses
    • You only need to pay 20% of the claim if you enroll at the age of 61 years
    • The policyholder can take admission in a single private room
    • Organ donor cover and health check-up facilities are provided
  • Religare Care Freedom Health Plan

    Religare care is a diabetes insurance plan that requires no pre-policy check-up for the applicants. This plan is especially designed to cover people suffering from hypertension, BP, and high BMI. The  details of this plan are given below:

    Plan Type

    Individual/Family Floater

    Sum Insured

    Rs 3 Lakh/5 Lakh/7 Lakh/10 Lakh


    Care Freedom 1 and Care Freedom 2

    Age Criteria Care Freedom 1

    Adult- 18 years

    Child- 90 days

    Age Criteria Care Freedom 2

    Individual- 46 years

    Other Adult: 18 years

    Floater- Eldest Insured Person: 46 years

    Child: 90 days

    Maximum Entry Age

    Child- 24 years

    Adults- No Age bar

    Policy Tenure

    1,2,3 years

    Features and Benefits

    • This health plan covers in-patient care and day-care treatment expense upto the sum insured limit
    • 100% restoration of sum insured is also offered
    • Moreover, it pays for consumable expenses along with companion benefits
    • Dialysis charges and domiciliary hospitalization expenses are recompensed
    • Pre and post hospitalization expenses are paid as well
  • Religare Critical Illness Mediclaim Plan

    Today’s trending lifestyle introduces several risks in your life, which you would want to ignore but couldn’t really find the way out. This Religare health insurance plan offers comprehensive coverage for 32 critical illnesses. Following are the key features of this plan:
    Minimum Entry age 5 years
    Maximum Entry age 50 years
    Insurance Coverage Individual/family floater
    Policy Renewability Lifelong
    Sum Insured Rs 10 Lakh to Rs 200 Lakh
    Pre-existing diseases waiting period 48 months

     Features and Benefits

    • This policy offers treatment cover for 32 critical illnesses
    • Critical illness cover is offered with easy EMI options
    • Free annual health check-ups from the 2nd year of the policy term
    • Additional option to get a doctor (if required) at no additional cost
    • The policy offers coverage for hospitalization expenses, organ donor charges, dialysis treatment, alternative treatments, medical second opinion, and international second opinion
    • Moreover, the policyholder can get air ambulance cover up to Rs 5 Lakh
  • Religare Secure Personal Accident Insurance Plan

    This Religare Health Insurance policy directly addresses each concern that arises in the event of a personal accident. It brings various optional benefits, including hassle-free claim settlement, thoughtful services while the recovery procedure remains certain with ensured good health at the end of the day. Following are the key features:

    Plan Type

    Personal Accident Insurance

    Sum Insured ( Rs.)

    10 Lakh/15, 20,25, & 20 Lakh, 50 Lakh


    Secure 1, Secure 2, and Secure 3

    Age Criteria

    91 days – 70 years

    Features and Benefits

    • Under this Religare Health Insurance Plan, Sum insured is paid to the nominee, in case of a tragic loss.
    • Coverage for cost incurred on any surgery or fracture as advised by a medical expert or doctor
    • Accidental death benefit cover is provided in this policy
    • Coverage for reconstructive surgery expenses is offered
    • Coverage for permanent/partial disability is provided
    • This policy also takes care of the child education expenses in case of death or permanent total disabilities
    • Sum insured is paid to the nominee, in case the insured goes missing over a period of one year.
    • Coverage for any expense that resulted due to artificial arm/leg/eye or for medical equipments, viz. hospital bed, wheelchair and so on.
    • Reimbursement of ambulance expenses incurred due to any medical emergency
  • Religare Care Heart Insurance Policy

    Religare health insurance has designed Care Heart insurance plan for cardiac patients. It is suitable for people suffering from pre-existing heart ailments. The coverage benefits of this plan are mentioned below:
    Plan Type Heart Insurance Policy
    Sum Insured Rs 3 Lakh/5 Lakh/7Lakh/10 Lakh
    Minimum Entry Age 18 years
    No-claim-bonus 10%-50%

    Features and Benefits

    • This health plan covers Pre and post hospitalization expenses
    • Alternative treatments and domiciliary hospitalization expenses are also paid
    • 100% restoration of sum insured is also offered
    • Moreover, it pays for ambulance expenses as well as cardiac health check-up charges upto specified limits
    • Total knee replacement and cataract surgery expenses are also recompensed
    • Some add-on benefits include OPD expenses, International second opinion, home care, and Active health check-up
  • Religare Cancer Mediclaim Policy

    Religare cancer mediclaim policy offers lifelong cancer protection and covers the cancer of all the stages. It is a comprehensive plan that offers coverage to you and your loved ones against life-threatening diseases like Cancer. Below are the plan details:
    Plan Type Mediclaim Policy
    Sum Insured Rs 10 Lakh- Rs 2 Crore
    Entry Age Criteria 5-50 years
    Policy Tenure 1/2/3 years
    Initial Waiting Period 90 days
    Pre-existing Disease Waiting Period 48 months

    Features and Benefits

    • This policy covers inpatient hospitalization expenses
    • Religare cancer mediclaim policy covers the cost of chemotherapy and radiotherapy
    • The plan also covers organ donor expenses
    • Global coverage is also provided to the policyholder
    • The policy holder can also get compensation for air ambulance expenses
    • The insured person can also get coverage for international second opinion on the medical treatment
    • OPD expenses are also covered under this plan
    • Room rent modification is also possible
  • Religare Heart Care Mediclaim Policy

    Religare Heart Care Mediclaim Plan coves 16 major heart-related illnesses that extend to relapse cases as well. Check out the coverage and benefits that the policyholder can avail under this mediclaim policy.
    Coverage Type Heart Critical Illness Cover
    Sum Insured Rs 10 Lakh – Rs 2 Crore
    Entry Age Criteria 5 years -50 years
    Policy Tenure 1/2/3 years

    Features and Benefits:

    • This policy covers inpatient hospitalization expenses
    • Religare heart care mediclaim policy covers the cost of daycare treatments
    • Global coverage is also provided to the policyholder
    • The plan also covers organ donor expenses
    • The policy holder can also get compensation for air ambulance expenses up to Rs 5 Lakh
    • The insured person can also get coverage for international second opinion on the medical treatment
    • OPD expenses are also covered under this plan
    • Doctor on call facility is also available
    • Room rent modification is also possible
  • Religare Operation Mediclaim Policy

    Religare has designed this comprehensive medical policy to help the policyholder pay for surgical procedures without any financial constraints. Moreover, it does not require pre-medical screening before policy issuance.
    Plan Type Indemnity Based Plan
    Coverage Type Individual Mediclaim Plan
    Sum Insured Rs 10 Lakh- Rs 2 Crore
    Entry Age Criteria 5-50 years
    Policy Tenure 1/2/3 years

    Features and Benefits

    • This health plan covers in-patient charges up to the sum insured limit
    • Pre and post hospitalization expenses
    • Expenses incurred on surgical procedures are also covered
    • Moreover, it pays for organ donor expense up to SI or max Rs 15 Lakh
    • In this plan domiciliary hospitalization expenses, ICU charges, air ambulance charges are recompensed

Religare Health Insurance Plan Inclusions

Religare Health Insurance Plans offer coverage for the following, included in all their plans.

  • In patient hospitalization
  • Pre-hospitalization
  • Post-hospitalization
  • Domiciliary hospitalization
  • Health Check-up
  • Alternative Treatments
  • Day Care Treatments
  • Room Rent
  • Organ Donor Cover
  • No Claim Bonus
  • Second opinion
  • Recharge of SI

Religare Health Insurance Plan Exclusions

The exclusions to the Religare Health Insurance plans vary from plan to plan. However, the following are the exclusions that are common to all the plans.

  • Any diagnosis of diseases or any undergoing of surgery whose signs or symptoms first occur within 30 days of Policy Period Start date.
  • Expenses attributable to self-inflicted injury i.e. resulting from suicide or attempted suicide
  • Expenses attributable to alcohol or drug use/misuse/abuse
  • Medical expenses incurred for treatment of AIDS.
  • Treatment due to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Congenital disease.
  • Tests and treatment relating to infertility and in-vitro fertilization.
  • Hospitalization due to war, riot, strike, nuclear weapons.

How to Claim Religare Health Insurance?

The Religare Health Insurance Company requires intimation from your side within 24 hours of immediate hospitalization or before 48 hours of a planned hospitalization.

In the case of Cashless Hospitalization:

Collect the Religare health insurance claim form available at the insurance desk of the hospital and submit it to the insurer through fax or email. Following are the possibilities:

  • Approval letter sent by the claim management team
  • Query raised by the claim management team
  • File expense reimbursement

In case of Planned Hospitalization:

Submit the Religare Health Insurance claim reimbursement form along with the required documents. Following are the possibilities:

  • Approval letter sent by the claim management team
  • Query raised by the claim management team
  • Reason of rejection is communicated
  • Immediate written intimation or call to the insurance company with the particulars required
  • Present the health insurance card issued by the company to avail cashless benefit as per Religare health insurance hospital list
  • Claim form duly submitted to the insurance company
  • Submit medical certificate issued by the doctor/hospital
  • Submit the discharge form issued by the doctor/hospital
  • The report issued by the medical examiner
  • FIR or Police Report if personal accident covered
  • Death certificate
  • Post-mortem report
  • Medical documents issued by the doctor/hospital

In case of Accidental Injuries

  • Immediate written intimation or call to the insurance company with the particulars required.
  • Present the health insurance card issued by the company to avail cashless benefit as per Religare health insurance hospital list
  • Claim form duly submitted to the insurance company.
  • Submit medical certificate issued by the doctor/hospital
  • Submit discharge form issued by the doctor/hospital
  • Report issued by medical examiner
  • FIR or Police Report if personal accident covered
  • Death certificate
  • Post-mortem report
  • Medical documents issued by the doctor/hospital

In case of Accidental Death

  • FIR or Police Report if personal accident covered
  • Death certificate
  • Post-mortem report
  • Medical documents issued by the doctor/hospital

Note: For any other assistance regarding an insurance policy or claim, contact Religare health insurance customer care. You can also check your Religare health insurance claim status anytime on a call.

How to Renew Religare Health Insurance Policy

To ensure continuous medical insurance cover for yourself and your loved ones, it is imperative to timely renew your health insurance policy. You can conveniently renew a Religare mediclaim policy online. Before renewal, it is suggested that you compare different plans and go through Religare health insurance reviews online and then make an informed decision.

To initiate the Religare health insurance renewal process the steps are given below:

  • Visit Policy Bazaar’s health insurance renewal page
  • Just click on the Health Renewal button
  • And enter your date of birth, policy number
  • Once you are sure, you can pay premium online using your credit card, debit card or net banking
  • And your policy is renewed
  • It will be emailed to you on your registered e-mail id

Religare Health Insurance- FAQs

  • Q1. What is the need to buy a Religare Health Insurance Policy?

    Ans: Every individual has a high risk of being affected by various health related issues. People who are not covered by a health insurance policy pay hefty amounts of medical bills from their own pockets in case of hospitalization arising out of an injury or illness. Basically, an uninsured can exhaust his savings in event of a medical contingency. Also, in such a scenario, a person might also have to borrow funds for the medical treatment in case of insufficient savings.

    In such a situation, a Religare Health Insurance Policy can prove to be a blessing. Religare Health Insurance ensures protection from unforeseen medical contingencies as well as the financial urgencies arising out of an illness or injury.

    Health insurance covers the cost of private medical treatment for illness and injury that is curable.

    Religare Health Insurance is a necessary measure considering the skyrocketing medical expenses and the uncertain environment nowadays. Thus, insuring yourself and your family by a health insurance policy is mandatory and should be a certain element of your financial plan.

  • Q2. What is co-payment in Religare health insurance plan?

    Ans: Co-Payment option can be availed after insured member turns a certain age. Co-pay is that part of your claim amount, which you will have to bear. Co-pay can be a percentage of the sum insured or an absolute amount.

  • Q3. What are the benefits of buying Religare Health Insurance at an early age?

    Ans: The following are the benefits of buying Religare health insurance plan at an early age:

    • The premium of a health insurance plan increases with the age of the policyholder. Meaning, the higher the age, higher the health insurance premium.
    • Religare Health Insurance plan covers the medical issues that might get identified over years. However, there shall not be a halt in the health insurance policy.
    • Additionally, each claim-free year under Religare Health Insurance plan fetches a considerable discount on the amount of the next due premium. It might also benefit the policyholder by increasing the amount of sum insured under the policy.
    • Lastly, the premiums paid towards the Religare Health Insurance plan qualify for a deduction under the section 80 C of the Income Tax Act, 1961.
  • Q4. What is the meaning of Religare Family Floater Plan?

    Ans: It is a health insurance plan which provides coverage to the entire family including self, dependent children, spouse, and parent, less than one plan and the premium is also paid only once. You can make as many claims, but this is subjected to the sum assured limit.

  • Q5. What all is excluded from a standard Religare Health Insurance Policy?

    Ans: The following is not covered under a  standard Religare Health Insurance Policy:

    • Any surgery, operation, disease, illness or event that occurs or shows first signs or symptoms within initial 30 days of the term of the policy.
    • Expenses incurred to cure self-inflicted injuries arising out of attempt to suicide etc.
    • Medical costs incurred due to any disease, disease, ailment or event arising out of alcohol consumption or drug abuse.
    • Any amount spent for the medical treatment of HIV/AIDS
    • Congenital disease
    • Medical expenses incurred on child birth or for treating any medical issues arising out of childbirth or pregnancy. For example, abortion, miscarriage, etc.
    • Expenses made for treatment and tests arising out of infertility or vitro fertilization.
    • Medical contingencies arising out of riot, war, strike, nuclear threat, etc.
  • Q6. How does the auto recharge feature under Religare Health Insurance work?

    Ans: Under this feature, Religare, the health insurance provider, automatically recharges the sum assured under the policy, in event of sum assured or accumulated no claim bonus getting exhausted while the term of the policy id going on. As per this feature, the sum insured is recharged one time per policy year. Recharged Sum Assured can be availed for the claims in future but not for a disease or illness (or complications arising out of it) against which the policyholder has already made a claim during the current year.

  • Q7. What is a No Claim Bonus under Religare Health Insurance?

    Ans: The concept of No Claim Bonus under Religare Health Insurance works on the same grounds as a car insurance policy. The policyholder is benefitted by the insurer for not making any claim in a policy year. This benefit is usually provided in the form of a discount on the subsequent premium.

    Similarly, a standard Religare Health Insurance Policy forwards this benefit t its customers by by increasing their policy sum by 10% against no-claim year. Also, the policyholder is not required to pay any extra amount against this hike. Meaning, If a policyholder does not make any claim for one complete policy year, then the sum assured equal to Rs. 5 Lac under Religare Health insurance Policy will further extended by Rs. 50,000 in the subsequent year without having o pay an extra amount of premium. Additionally, if he does not make a claim even in the third year of the policy, then he will get another hike in the sum assured equal to 10% of the base sum assured. Meaning, his sum insured will grow to Rs. 6 Lacs. However, a maximum of 50% (i.e. Rs. 2,50,000) hike in the sum insured can be offered as total no claim bonus.

    Also, in event of a claim being made, the bonus that has been accumulated will be reduced by 10 per cent.

  • Q8. For what reasons can there be a deduction in the claim amount of Religare Health Insurance?

    Ans: A deduction from the claim amount can be made due to following reasons: 

    • Non-Medical expenditures, such as snacks, phone bills, etc. aren’t payable,
    • Treatment expenses without presentment of appropriate documents, such as prescription or bills,
    • Exhausting of the Sum Insured,
    • Amount more than particular sub-limits
    • Applicability of Co Payment,
    • Limitation of expenses in case of a particular benefit or treatment,
    • Unavailability of original ills or reports,
    • Expenses incurred on any treatment that is not related to the issue the patient has been admitted for.
  • Q9. How can an individual make a reimbursement claim?

    Ans: In event of a claim for reimbursement, the policyholder bears the expense of hospitalization (insured expenses) himself and later claims from the insurer to reimburse those expenses. The policyholder, in such a scenario, needs to present the original documents and papers related to the treatment, such as bills, to the insurer and inform them about the hospitalization according to the terms and conditions of the policy. 

  • Q10. Explain the Claim Processing and Reimbursement under Religare Health Insurance Policy?

    Ans: Below are the claim process:

    • The in-house medical team of Religare Health Insurance reviews the entire case and the documents related to the case submitted by the claimant.
    • In case the policyholder’s request regarding the expenses to be reimbursed is accepted, he will be duly informed by the company.
    • In event of any deficiency of information or requirement of some more information, the policyholder is instantly intimated in order to ensure a resolution for the same as soon as possible.
    • If case the policyholder’s claim request gets rejected, then the same is communicated to him in addition to the reasons for refusal. However, one can reapply in case he or his representatives have some additional documents to substantiate the case.
  • Q11. How can one cancel his Religare Health Insurance Policy?

    Ans: Religare Health Insurance allows the policyholder with a free-look period in order to review the terms and conditions of the policy carefully. In case the policyholder is not satisfied with the policy, he can apply for the cancellation of the health insurance policy during this free-look period. However, the policyholder will have to pay the premiums on the pro-rated basis for the number of days for which the policy was active along with the medical tests done before the policy, and the stamp duty. The remaining part of the paid premium shall be refunded to the policyholder.

    Also, one can apply for the cancellation of the Religare Health insurance Policy anytime during the term of the policy. In such case, amount if premium according to the short scale grid shall be refunded to the individual. This grid is well-mentioned and explained in the terms and conditions of the policy. However, if the policyholder has made a claim already, then no amount shall be refunded to him on cancellation of the policy.

  • Q12. What are the documents required for Religare Health Insurance Portability?

    Ans: Religare Health Insurance Company requires you to submit the following documents attached with a duly filled portability form:

    • A copy of your existing health insurance policy
    • A copy of policy renewal notice
    • CARE proposal form
  • Q13. How do you differentiate between a family floater insurance and critical illness insurance or hospital cash insurance?

    Ans: A family floater as well as an individual health insurance policy works on the principle of indemnity, which means that you will only get your medical bills and hospitalization expense reimbursed. On the other hand, a critical illness insurance policy or hospital cash insurance policy pays you the entire sum insured when you fall sick and avail hospitalization cover, irrespective of your medical/hospitalization expense.

  • Q14. What is beneficial for me - floater insurance or individual insurance?

    Ans: You are recommended to choose a floater policy at a young age while individual insurance is advisable when you are old. This is because you are more prone to diseases and consequent hospitalization when you are old than when you're young. And therefore, you have to pay a higher premium.

Religare Health Insurance - Latest News

  • Fincare Small Finance Bank Joins Hands with Religare Health Insurance

    Fincare Small Finance Bank (SFB), based in Bengaluru, has announced a deliberated association with one of the leading specialist Health Insurance Companies - Religare Health Insurance. The companies made the announcement at a press conference that was conducted on the sidelines of the company’s branch launch at Pritampura in New Delhi. As a corporate agent, Fincare SFB would offer Religare Health Insurance products to its valued customers at the full service banking outlets across India.

    Fincare SFB noticed an increasing demand for customized and relevant solutions with health and wellness space is the key priority. The strategic association intends at addressing the gap it will allow Fincare SFB to provide comprehensive health insurance products to the large consumer base.

  • Religare Sells off 80 Percent Health Insurance Stakesto True North and Others

    Religare Enterprises Limited has sold 80 percent of its Religare Health Insurance stake to the True North group and other investors at Rs. 1,300 Crore on Sunday.

    The stake sale in the health insurance segment comes when Malvinder and Shivinder Singh,the promoters of Religare are keen on disinvesting the stakes in the businesses that are specifically controlled by them.

    In its statement, Religare Enterprises mentioned that it has signed a definitive agreement with its investors for the sale, which estimates the insurance company at Rs. 1,300 Crores. With this deal, Religare will get approx.Rs. 1,040 Crores.

    Along withTrue North (previously India Value Fund Advisors), the other investors in the pool are Faering Capital private equity house led by Sameer Shroff and Aditya Parekh, along with Gaurav Dalmia. The compulsory regulatory approvals are yet to seal the deal. American investment bank J.P. Morgan played the prominent financial adviser to Religare.

    Religare Health Insurance made its debut in the month of July 2012. The firm has reported a GWP (Gross Written Premium) of Rs. 503 Crores in the financial year end,i.e.31 March 2016.

Written By: PolicyBazaar - Updated: 02 July 2020
673,165 Confirmed Cases in India*
11,812,443 Confirmed Cases worldwide*
528,465 Confirmed deaths worldwide*
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 33 Reviews)
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Religare Health Insurance Reviews & Ratings
4.2 / 5 (Based on 33 Reviews)
(Showing Newest 15 reviews)
Waghodia, June 21, 2020
Policy issued delay
My policy copy was issued delay. I received my policy copy after 5-6 days as per the given time. Though I received the soft copy within few hours. But hard copy is also important. When I received the hard copy I called the team to inform them.
Echoda, June 21, 2020
Mobile application
I am happy with their mobile application as we can raise a concern from there, even we can renew our policies from there. It is very easy to use and I really love this version as we really don’t have to call the customer care now and then.
Captainganj, June 21, 2020
Customer service team
The customer service team is very nice and even helps in resolving the concern. But sometimes connecting with them over the call is very difficult. I was having a query regarding my policy copy and I called them but it took few hours to connect with them. After certain hard work we got connected and my concern was resolved too.
Echoda, June 21, 2020
Delay in claim settlement
My claim settling process took so much of time I contacted the religare as well as policybazaar team regarding the same and explained everything. But after certain days they settled my claim as there was a documentation problem. I am happy that finally my claim was settled.
East Singhbhum, June 21, 2020
Policy issue
I recently purchased the health insurance plan from religare from the website of policybazaar. Everything was good and I really like the plan too. But I faced a little problem which was related to hard copy. I received the hard copy little late as per the given time frame. But after few days I got my policy hard copy. Thanks team for support.
Rehra, June 21, 2020
Payment mode is easy
When we plan to buy something we feel that payment method should be secured and transparent. So, I bought the health insurance from them as their all the things are transparent in nature. Also, the payment mode is good. You can make the payment via credit as well as debit card.
R.g.pur, June 20, 2020
Hospitalization facilities
I purchased the health insurance policy from religare. Also, I got a huge number of benefits and the claim procedure was very much easy. All thanks to religare team as they were there to help and assist me. When I was admitted to the hospital for my problem my family consulted the religare health team for cashless claim. Immediate action was taken and everything was settled.
Machavaram, June 20, 2020
Renewable of health policy
Two years back I got the health insurance cover from religare and I really like it. I always renew my policy on timely basis and all thanks to policybazaar and religare health insurance as they helped me getting the renewal done. It is very, you just need to use the mobile application and have to open your health insurance account and just click on renewal status. You will get the all the details and you can renw your policy very easily by the few clicks.
Machantola, June 20, 2020
A brand with good value
I am really happy to get the health insurance policy from religare health insurance. The brand value of the company is very nice and it focuses on customer satisfaction. The customer care team is very nice and they understood my needs that what kind of health insurance plan I need.
Kabi Surya Nagar, June 20, 2020
Awesome health insurance policy
I got my health insurance done from policybazaar. I got really good and beneficial plan from religare health which helped me in getting good assistance from hospitals as well as my medicals bills will be taken care by insurance company only.
Jalpaiguri, October 25, 2016
Great Insurance
My health insurance policy is great with great benefits. Policy coverage is high and the claims are easy to get because of on time service facilitated by the executives of the insurance company. The ambulance is facilitated for free at any location and it don't charge.
Nizamabad, October 06, 2016
Have Religare Insurance
Religare health insurance is fantastic which i bought in less price. Service is fast given by the company 24X7. Executives and staff members facilitate solutions to every query of the customer. Hospitals are providing ambulance to the patient at any location for free.
Kanpur, October 03, 2016
Manageable Health Policy
Got religare health insurance at very low price from good company which I can trust. Policy coverage is high and claims are easy to sanctioned with the help of executives and staff members of the company. Service is fast and on time with full security and trusted transactions.
Mussorie, July 25, 2016
Religare Health Plan
I have health insurance plan from religare insurance. Policy coverage is fantastic and claims are easy to sanctioned. Service is fast facilitate by the executives and staff members. The accidental death benefits also inbuilt in the plan.
Korukonda, July 08, 2016
Health is Wealth
The health insurance i purchase is good which has less premiums. Service is fantastic, large number of hospitals are facilitating ambulance for free of cost. The online portal service is easy and simple to operate. Hassle free renewals and paperwork because of this service.
Chaksu, June 24, 2016
Nice Plan For Health
My health insurance plan is good. The insurance policy provide's good and fast service which is from both side's i.e., insurance company and hospitals. The ambulance is there for help at any location but for free no additional charges for that. Policy coverage and claims are fantastic.
Delhi, June 23, 2016
Damn Good
Best health insurance plan which come's with great rewards. Service facilitate by executives and company members is supersonic and on time too. The hospitals are in good figure and providing great service which includes free service of ambulance for both sides. Good investment which gives full satisfaction.
Kota, June 23, 2016
Future Security
I have health insurance like everyone does. The policy is magnificent in benefits and in all the other things. The policy provides great service which is given by the staff of the company as well as hospitals faculty. Ambulance is also facilitate which is absolutely free of cost. Updates of the insurance policy is send to my email address. I like the terms and conditions which is very much reliable.
Jammu, June 23, 2016
Health Care
In today's world, Everybody aware of health issues and all have some precautions for that like money saving or insurance. The most known method is health insurance. I also have one through nice insurer. The policy coverage is high and it come in very low premium. Service provided by you is fantastic. Huge number of hospitals are there for anytime assistance. Ambulance is for free of cost at any locations.
Chaksu, June 23, 2016
Service Is Good
Superb religare health insurance I have which need very low investment. The policy coverage is high and the claims are good which can be easily sanctioned due to quick service provided by the executives and the staff of the company. Around 90% Hospitals are there which working all days and night in the week. Ambulance is provided by the hospital which don't charge for the service. Perfect health insurance which keeps tension away.
Koregaon, June 22, 2016
Policy Coverage Is Good
My health insurance plan is come with many advantages like, the policy coverage is high ~87% and the claims are huge. Service is fast and on time, even internet service is easy to use due to simple interface. The hospitals are many so no problem for delay in treatment or more and the ambulance is facilitate by the hospitals absolutely free. Updates are mailed to my email address regularly.
Ghaziabad, June 22, 2016
Excellent Work
The religare health insurance plan is the policy I buy few month ago. I really appreciate your services which is given by the executives and staff members of the company. The heavy number of hospitals are there for facilitate the service to the policy owner. Ambulance is there for pick ups and drops at any locations, and no extra charges for that it includes already in the policy. The accidental death benefits is there for the owner of the policy.
Chandigarh, June 22, 2016
Quality Investment
I was searching a health insurance from a long time than I saw the religare health insurance plan on internet. I purchased it immediately in very low investment. The policy is good in many ways. Policy cover almost all the health problem and no extra money will spend on the treatment. The service facilitate by the executives is fantastic and behaviour is calm. Luckily got the awesome health insurance, happy to have you.
Lucknow, June 22, 2016
Nice Health Policy
Finally got health insurance plan which I was searching for a long time. The insurance policy has many benefits with good returns. The policy coverage is high and the premium of the plan is low. The ambulance is provided through hospitals which doesn't charge for the ride. The large number of hospitals are there for full time service provided to patients. I like to invest my money on this great product.
Badlapur, June 22, 2016
Good Policy
My colleague advice me to take a health insurance plan. So I purchase it in low premium. The policy coverage is high and claims are good. The service is superb which given by the executives and company members and staff. The behaviour of the staff is also nice and calm nature. It is very much necessary to have a health insurance because anytime anyone needs it. The policy I have has good in web services too.

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