Religare Care Health Insurance Plan

Religare offers this Comprehensive medical insurance policy named as Religare Care. The plan is designed to offer financial protection to you and your family members in case of a medical emergency. With Religare Care, you can be sure of getting the best medical treatment in India and overseas and focus on your recovery in a worry-free manner.

Key Features of Religare Care Health Insurance Plan

With Religare Care, you can avail the following unique medical benefits:

  • 92% Claim settlement ratio( as per the insurer’s website)
  • Cashless treatment in more than 5420 network hospitals
  • Annual medical check-up facility for all the insured members
  • In-house claim settlement
  • Up to 150% of No Claim Discount with NCB Super
  • Automatic recharge of the sum insured
  • 12 critical illnesses are covered under the Global plan variant
  • Various riders benefit to meet your health concerns

Religare Care Super Saver Plan Table

Features/ Plan (SI)

Care 3 ( 4 Lakh ) 
Super Saver

Care 4 (5,7,10 Lakh) 
Elite

Pre-hospitalization Charges

30 days

30 days

Inpatient Hospitalization Charges

Up to SI

Up to SI

Post-hospitalization Charges

60 days

60 days

ICU Charges

2 percent of SI /day

No sub-limit

Day Care Medical Treatment/Surgery

Covered

Covered

Daily Case Allowance

INR 500 per day for a max. of 5 days

-

Room Rent Charges

1% of SI per day

Private Room ( Single)

Ambulance Cover

Up to INR 1,500 per hospitalization

Up to INR 2,000 per hospitalization

Deductible in Policy Period

INR 10,000

Not applicable

Domiciliary Hospitalization

Up to 10% of SI

Up to 10% of SI

No Claim Discount

Included

Included

Health Check-up

Covered

Covered

Recharge of Sum Insured

Included

Included

Second Medical opinion

Covered

Covered

Organ Donor Expenses

INR 50,000

INR 100,000

Alternative Medical Treatments

Up to 15,000

Up to 20,000

 

Religare Care Elite Plan Table

Features/ Plan (SI)

Care 4 (5,7,10 Lacs) 
Elite

Care 5 (15,20,25,30,40 Lacs)
Elite Plus

Pre-hospitalization Charges

30 days

30 days

Inpatient Hospitalization Charges

Up to SI

Up to SI

Post-hospitalization Charges

60 days

60 days

Alternative Medical Treatments

Up to Rs.20,000

Up to Rs.30,000

Room Rent Charges

Private Room ( Single)

Private Room ( Single)

ICU charges

No Limit

No Limit

Ambulance Cover

Up to INR 2,000 per hospitalization

Up to INR 2,500 per hospitalization

Organ Donor Expenses

Rs.100,000

Rs.200,000

Health Check-up

Covered

Covered

Day Care Medical Treatment/Surgery

Covered

Covered

No Claim Discount

Included

Included

Recharge of Sum Insured

Included

Included

Second Medical opinion

Covered

Covered

Domiciliary hospitalization

Up to 10% of SI

Up to 10% of SI

 

Religare Care Elite Plus Plan Table

Features/ Plan (SI)

Care 4 (5,7,10 Lacs) 
Elite

Care 5 (15,20,25,30,40 Lacs)
Elite Plus

Pre-hospitalization Charges

30 days

30 days

Inpatient Hospitalization Charges

Up to SI

Up to SI

Post-hospitalization Charges

60 days

60 days

Day Care Medical Treatment/Surgery

Covered

Covered

Room Rent Charges

Private Room ( Single)

Private Room ( Single)
(upgradable to next level)

ICU charges

No Limit

No Limit

Ambulance Cover

Up to INR 2,000 per hospitalization

Up to INR 2,500 per hospitalization

Domiciliary hospitalization

Up to 10% of SI

Up to 10% of SI

Health Check-up

Covered

Covered

Recharge of Sum Insured

Included

Included

No Claim Discount

Included

Included

Organ Donor Expenses

INR 100,000

INR 200,000

Second Medical opinion

Covered

Covered

Alternative Medical Treatments

Up to INR 20,000

Up to INR 30,000

 

Religare Care Global Plan Table

Features/ Plan (SI)

Care 6 (50,60,75 Lacs)
Global

Care 7 (1,2,3,6 Cr)
Global Plus

Pre-hospitalization Charges

30 days

30 days

Inpatient Hospitalization Charges

Up to SI

Up to SI

Post-hospitalization Charges

60 days

60 days

Recharge of Sum Insured

Included

Included

Room Rent Charges

Private Room ( Single)
(upgradable to next level)

Private Room ( Single)
(upgradable to next level)

Organ Donor Expenses

INR 3 lakh

INR 5 lakh

Ambulance Cover

Up to INR 3,000 per hospitalization

Up to INR 3,000 per hospitalization

Domiciliary hospitalization

Up to 10% of SI

Up to 10% of SI

Day Care Medical Treatment/Surgery

Up to SI

Up to SI

Health Check-up

Covered

Covered

ICU charges

No Limit

-

No Claim Discount

Included

Included

Alternative Medical Treatments

up to INR 40,000

up to INR 50,000

Second Medical opinion

Covered

Covered

Maternity Expenses

up to INR 100,000

up to INR 200,000

Care Anywhere

Covered

Covered

Vaccination Cover

-

up to INR 10,000

Overseas Coverage: (excluding the USA) Coverage outside USA & India- 45 days during a single trip; up to a maximum of 90 days on a cumulative basis during a policy term

 

Up to SI for hospitalization/medical expenses. Maternity expenses up to the specified limit with a co-payment of 10% per claim

Special Add-on Benefits:

   

Global Coverage – The scope of geographical coverage/ Global Coverage is extended to the United States of America as well

 

Up to SI for hospitalization/medical expenses. Maternity expenses up to the specified limit with a co-payment of 10% per claim

 

Inclusions of Religare Care Health Insurance Plan

  • 30-days pre-hospitalization charges are covered
  • Ambulance expenses are also covered under this plan
  • In-patient hospitalization expenses are also covered
  • Hospitalization for a minimum of 24 hours including room rent charges, intensive care unit charges, nursing expenses, doctor and surgeon's fee, blood, anesthesia, operation theater, and oxygen charges.
  • It covers medical treatment requiring hospitalization for less than 24 hours such as day care treatments that do not require hospitalization for more than 24 hours. Religare care covers more than 540-day care procedures.
  • Room Rent expense
  • ICU Charges are also covered
  • 60-day post-hospitalization expenses
  • Annual medical check-up
  • Reassurance of second medical opinion
  • No Upper Age Limit to purchase the policy
  • Domiciliary hospitalization
  • Organ donor expenses
  • Alternate medical treatments are also covered

Add-on Covers in Religare Care Health Insurance Plan

No Claim Bonus Super- It is an optional cover that will further enhance your sum assured amount for claim-free years. NCB can vary from 50% to 100%. So, in total with No-Claim-Bonus & No-Claim-Bonus, you can enhance your sum insured up to 150% in five years.

Overseas Health Cover- There are no boundaries when it comes to quality healthcare. If you need to undergo medical treatment overseas, then you can avail cashless medical treatment overseas in the listed network hospitals.

Automatic Reinstatement- You should not run out of coverage anytime during your policy period that is why it is important to have this additional coverage as your sum insured will be reinstated upon exhaustion of the sum insured. There is no limit as you can avail this benefit for unlimited number of times.

Everyday Care- Without health insurance place, people tend to avoid getting hospitalized for a medical condition. However, it is really fortunate to evade doctor consultations in a few months. But for all the OPD consultations, you can get 1% of your sum insured towards diagnostic procedures and doctor consultations.

You can avail this using a cashless health card. You just need to pay an additional premium to avail this benefit and the premium that you pay is eligible for tax-saving.

Air Ambulance Cover- This add-on benefit proves to be useful when the treatment is suggested miles away from your city. With Air Ambulance add-on cover you can be sure that you will always have access to the best medical treatment. It proves to be really useful when you have suggested a medical treatment in some other city or state.

Religare Care Health Insurance Exclusions

The policy does not cover the following medical expenses under any of the plan variants:

  • Expenses incurred on the treatment of congenital diseases are not paid by the insurer
  • Hospitalization required due to self-inflicted injuries and suicidal attempts are not covered
  • Hospitalization required for treatment of HIV and AIDS
  • Medical treatment/hospitalization required due to an overdose of drugs and alcohol or intoxications are not recompensed
  • Any disease/illness/surgery that has been diagnosed or has given symptoms within 30 days of the policy commencement date
  • Hospitalization traceable to childbirth/pregnancy, abortion, miscarriage, and its complications
  • Medical tests and hospitalization pertaining to infertility and in vitro fertilization
  • War, strike, nuclear weapons, and riots induced hospitalization.

Religare Care Health Insurance Terms and Conditions

  • Minimum entry age is 91 days
  • There is no limit on Maximum entry age
  • The plan offers lifetime renewability benefit
  • There are 30 days of the waiting period for illness except for injuries
  • The waiting period of pre-existing illnesses is 4-years. After completion of the 4-years of the policy term, you can file a claim for the medical expenses incurred on a pre-existing illness
  • At the time of Religare care policy renewal, you can increase your sum insured amount
  • There is a grace period of 30 days from the policy expiry date. In case you miss renewing your health plan, you can utilize this time to do so.
  • The cost of premium while renewing the policy is subjected to change as per the IRDA guidelines and approval.
  • If the age of the insured members is lesser than 61 years thane there is no co-payment. If the age of the eldest insured members s more than 61 years then 20% co-pay is applicable. This means that you will pay 20% of the medical expenses and the rest will be paid by the insurer. 

Religare Care Health Insurance Claim Process

Before filing a claim it is always better if you know the process that follows for hospitalization, OPD, and everyday care.

The Claims Process for Hospitalization is Listed Below:

Emergency hospitalization treatment requires you to inform within 24 hours of getting hospitalized

If it is a planned hospitalization you can inform the insurer 48 hours before the hospitalization

For Cashless Claims

  • Request for pre-authorization
  • Submit the pre-authorization form at the hospital’s TPA desk and fax it to Religare
  • The claim management team will send the approval letter
  • Either the insured or the hospital can respond to the any queries that were raised by the claim management team
  • In case your cashless claim is rejected you may start with the treatment and file a fresh claim for reimbursement

For Reimbursement Claims

  • Submit the claim form and all the required documents as per the policy terms and conditions
  • You will get an approval letter from the Religare’s claim management team
  • You would need to address all the queries related to your claim request and treatment
  • The insurance company will inform you for approval or rejection (along with the reason for rejection)

Procedure for Everyday Care

  • Check the list of Everyday Care network centers online on their website
  • Visit the OPD service provider and take your Everyday Care Card
  • You would also need an original copy of a government photo id proof
  • The service provider will deduct 80 percent from the Everyday Care Card and you would need to pay 20% of the co-payment
  • You will also get an email and SMS notification of the services availed

OPD Care Claims Procedure

  • Download the claim form from the insurer’s site
  • Attach the original bills and invoices and send your claim application at the insurer’s official address
  • For the seamless settlement of claims, you can submit your claim application along with your NEFT details
  • Most of the claims are settled within 15 days from the date of receipt of all the documents
Written By: PolicyBazaar - Updated: 09 January 2020
Average Rating
(Based on 23 Reviews)
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Religare Care Health Insurance Plan Reviews & Ratings
4.2 / 5 (Based on 23 Reviews)
(Showing Newest 15 reviews)
Raghav
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.
Sandeep
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.
Manav
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.
Ashish
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.
Vashisht
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.
Vishali
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.
Yogesh
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.
Urvashi
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.
Ishani
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.
Patiyush
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.
Cheetna
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.
Vaishali
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.
Bhavya
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.
Nandini
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.
Maalvika
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.
Lavanya
Vellore, June 21, 2016
Wonderful Policy
Fantastic health insurance plan I purchase from religare health insurance. The documentation is hassle free, no waiting in queue because of online portal services which is very easy and simple to access. The coverage is good, policy covers almost all the bills of medical emergency. Even the ambulance is not taking any extra charges for pick and drop, It already included in the policy. The service is awesome no doubt in that. Good policy, I like it.
Kanika
Nainital, June 21, 2016
Best Plan
Religare health insurance plan is one of the best plan for health insurance. The policy has many advantages like the ambulance is providing service at any location for free and the hospitals are huge in numbers so that the waiting or any inconvenience is not possible at all. The policy coverage is high approx. 90% and the claims are the best. Claiming procedure is easy due to fast service provided by the executives. I like the insurance policy which send me updates daily.
Jyoti
Jorhat, June 21, 2016
Perfect Policy
I have health insurance plan like everyone does in this insecure world. The policy has many benefits like the ambulance is facilitate at any location for free no extra charges. The large number of hospitals giving so good service to the patients. Claiming is the easiest part, hassle free documentation for any purpose. Even the web services are very good and easy to access. Good future investment which secure the risk of future problems regarding health as well as wealth.
Heemani
Pune, June 21, 2016
Fantastic Plan
My father gifted me religare health insurance plan on my last birthday. Honestly first I thought that it is waste of money and time but after reading the policy, I found the health insurance is really very effective and very beneficial. The premium is low and payback returns are high. Policy coverage is high and claims are good. Service is fast which provided by the staff members and even by the hospitals staff too. Ambulance is free of cost for pick and drops. I like my gift, thanks dad and religare for the insurance.
Geeta
Pondicherry, June 21, 2016
Awesome Policy
After long searching on internet I finally found the policy what I needed. Health insurance plan which has low premiums and the returns and benefits are many. Policy coverage is very good ~89% and the claims are even better. Claiming is easy because of fast service facilitate by the executives and staff members of the company. The updates regarding policy is mailed to my email address regularly. Really good job guys.
Devesh
Kalyan, June 21, 2016
Trustworthy
The health insurance plan of mine is the best. The premium is low and the policy coverage is high around 88%. Service is fast and on time which is given by staff of the company. Hospitals are giving best service for 24X7. Ambulance is also facilitate for free to customers. Good investment for future security. The behaviour of the staff members and executives is very nice with calm nature. I really like the plan.
Shushant
Deoli, June 21, 2016
Better Plan
My religare health insurance plan has many benefits like low premiums, Policy coverage is high ~87%. Ambulance is not taking any charges for giving service to customers. Huge number of hospitals are there for facilitating service at any locations. The claiming is easy and sanctioning it is very simple due to fast service facilitating by the executives and staff members. The investment is good, I like the insurance policy.
Aman
Gurgaon, June 21, 2016
Good
I purchase religare health insurance plan in low premiums. The policy coverage is high approx. 85% and claims are even better. The large number of hospitals are there for 24X7 service and availability to customers. Ambulance is also facilitate for free of cost, no extra charges for that. Good insurance policy, I like it.

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