Religare Care Freedom Health Insurance Plan

Health issues are on a rise and if you do not have health insurance policy handy, then get ready to pay hefty hospital bills. For any injury or health ailment, you would need to pay the bill from your own pocket. Taking into consideration the exorbitant medical expenses it might drain down all your savings in one go. This is where the role of a health insurance policy comes into play. It offers the required support at the time of an unforeseen financial medical urgency arising due to an illness or injury.

Religare care freedom plan offers you the required flexibility and freedom to enjoy your life in a carefree manner. It gives you the required financial cushion to deal with a medical emergency. The plan does not require pre-medical screening and pre-existing diseases are also covered after a waiting period of 2 years.

Features of Religare Care Freedom Plan

  • Lifelong renewability
  • Minimum entry age is 18 years
  • The plan is available in both individual and family floater option
  • 30 days of grace period from the expiry date
  • An initial waiting period of 30 days from any illness
  • Pre-existing illnesses are covered after 2-years
  • Online tracking of claims
  • Online purchase and renewal facility

Benefits of Religare Car Freedom Plan

  • Companion Benefit is also provided if the hospitalization exceeds 10 days
  • Expenses incurred on the dialysis procedure are also recompensed
  • Domiciliary hospitalization expenses are also covered
  • Annual health check-up facility can be extended to cover cardiac health and diabetes health check-up expenses
  • The premium that you pay offers tax exemption benefits under Section 80C of the IT Act, 1961.

Minimum Entry Age for Care Freedom Pan 1

  • Adult - 18 Years
  • Child – from 90 Days onwards

Minimum Entry Age for Care Freedom Plan – 2

  • For individuals, it is 46 years
  • Minimum entry age in floater plan is 46 years for the eldest member
  • For others, it is 18 years
  • For children, it is 90 days onwards

Sum assured limit

  • Care Freedom Pan – 1: INR 3lakh/5lakh
  • Care Freedom Pan – 2: INR 3lakh/5lakh/7lakh/10lakh

Inclusions of Religare Care Freedom

  • Sum insured option - 3 lakhs, 5 lakhs, and 7/10 lakhs
  • Minimum entry age is 46 years and there is no cap on maximum age
  • Can be both floater and individual plan ( can include up to 6 family members)
  • 30 days of the initial waiting period from the policy inception date
  • In-patient Care (room charges, surgeon fees, ICU, nursing expenses, anesthesia, blood, etc.) up to the sum assured limit
  • Daycare treatment for selected treatments up to the sum assured limit
  • Annual health check-ups including - blood sugar, a blood test with ESR, lipid profile, urine routine, urine culture, KFT/kidney functioning test, Liver functioning test, etc.
  • Pre and post hospitalization expenses to be reimbursed up to 10% of total payable hospitalization expenses
  • Consumable allowance paid in a lump sum  for each day of hospitalization ( covered after 3 days of hospitalization for a maximum of 7 days)
  • Domiciliary hospitalization expenses covered up to the sum assured limit after 3 days of treatment at home.
  • Dialysis covers up to Rs. 1000 per visit for consecutive 2 years
  • Policy tenure can be 1 to 3 years
  • Sub-limits applicable ( check policy documents for the same)
  • Ambulance expenses cover up to Rs. 1000 per hospitalization
  • Companion benefits for hospitalization exceeding more than 10 days
  • 100% reinstatement of sum insured on exhaustion of sum assured

Exclusions of Religare Care Freedom

There are various medical expenses that the policy covers, but the list of the policy exclusions is listed below:

  • Any pre-existing health condition is not covered until the completion of 2 years from the policy commencement date.
  • OPD expenses
  • The policy shall not cover any disease or illness that was not contracted during the initial 30 days of the policy issuance date ( except for accidental cases)
  • Hospitalization required due to suicidal attempt or self-inflicted injuries
  • Medical expenses attributable to an overdose of drugs or alcohol
  • Congenital diseases
  • Cost of spectacles and contact lenses
  • Cost of dental treatment that does not require hospitalization
  • Hospitalization required for AIDS treatment
  • Health complications resulting due to miscarriage, childbirth, pregnancy, and abortion
  • Expenses incurred on some specific treatments such as joint replacement, non-infective arthritis, etc. are recompenses only after completion of 2 consecutive policy years
  • Infertility related treatment and medical expenses

Plan Variants

Sum Assured

Plan 1: INR 3 Lakh

Plan 1: INR 5 Lakh

Plan 2: INR 7/10 Lakh

In-patient Hospitalization

Up to the SI limit

Up to the SI limit

Up to the SI limit

Day Care procedures (for specific diseases)

Up to the SI limit

Up to the SI limit

Up to the SI limit

Consumable Allowance (after 3 days of hospitalization for a maximum of 7 days)

 INR 750 per day

 INR 1,000 per day

INR 1,000 per day

Annual Health Check-up Facility

Yearly

Yearly

Yearly

Reinstatement of Sum Insured (upon exhaustion of SI)

100% of the original Sum Insured

100% of the original Sum Insured

100% of the original Sum Insured

Companion Benefit(after 10 days of hospitalization)

 INR 10,000

  INR 15,000

  INR 15,000

Pre-hospitalization payable expenses ( up to 30 days)

Up to 7.5%

Up to 10%

Up to 10%

Post-hospitalization payable expenses

Up to 7.5%

Up to 10%

Up to 10%

Domiciliary Hospitalization Expenses

Up to 10% of SI (provided after 3 days)

Up to 10% of SI (provided after 3 days)

Up to 10% of SI (provided after 3 days)

Emergency Ambulance Expenses

Up to  INR 1,000 for each Hospitalization

Up to  INR 1,000 for each Hospitalization

Up to  INR 1,000 for each Hospitalization

Tenure

One/two/three years

One/two/three years

One/two/three years

Dialysis Expenses

Up to  INR 1,000 per sitting ( For a maximum of 24 continuous months)

Up to  INR 1,000 per sitting ( For a maximum of 24 continuous months)

Up to  INR 1,000 per sitting ( For a maximum of 24 continuous months)

 

Applicable Sub-limits in the Plan

Sub-limits

 

 

 

Sum Insured

3 Lakh

5 Lakh

7 Lakh/ 10 Lakh

Applicable Co-pay

20 to 30 percent per claim

20 to 30 percent per claim

20 percent for members above 70 years of age

 

Room Category

Twin Sharing Room

Twin Sharing Room

Single Private Room

Room Expenses

Up to 1% of Sum Insured per day

-

-

ICU Expenses

Up to 2% of Sum Insured per day

No limit

No limit

 Total Knee  Replacement Cover

Up to  INR 80,000 (per knee)

Up to  INR 100,000 (per knee)

Up to  INR 120,000 (per knee)

Treatment of Cataract Treatment

Up to  INR 20,000 per eye

Up to  INR 30,000 per eye

Up to  INR 30,000 per eye

For all the treatments/procedures given below:-

  • Cardiovascular and Cerebrovascular treatments
  • Cancer treatment and surgeries
  • Renal disorder and complications
  • Bone breakage treatment

Up to  INR 200,000

Up to  INR 250,000

Up to  INR 300,000

For all the treatments/procedures given below:-

  • Hernia operation/surgery
  • Renal surgeries/stone treatment surgery
  • Hysterectomy
  • Benign Prostate Surgeries
  • Hypertrophy

Up to  INR 50,000

Up to  INR 65,000

Up to  INR 80,000

 

Religare Care Freedom Claim Process

Claim Intimation

In case of an unforeseen hospitalization, make sure that you inform the insurer within 24-hours of hospitalization. And if it is planned, you would need to inform the Religare claim team at their registered email id or over a call, at least 48 hours before getting hospitalized.

Initiating Pre-Authorization Procedure

  • A pre-authorization form is easily available at the hospital's TPA desk/insurance, or you can easily download the form online
  • Enter your personal details in the first section of the form and submit the pre-authorization signed form at the hospital’s TPA’s desk to fill up the rest of the details
  • The concerned hospital will fax the pre-authorization form to the insure

Processing a request for Pre-Authorization

  • Reliance has an in-house medical team who will review the submitted documents as per your case
  • Once the pre-authorization request is approved, the insurer will inform both the insured  and the hospital
  • If more information is required from your end then the hospital will inform you the same. To speed up the process, then you would need to submit the documents with the required information at the earliest.
  • In case the pre-authorization request is disapproved, you would need to file a reimbursement claim request. In that case, the hospital bills shall be paid by you and the insurer will reimburse the expenses.

Reimbursement Claim Procedure

Claim Intimation

Just like the cashless procedure, timely notifying your insurer is a pre-requisite. All the emergency hospitalizations require you need to inform the insurer within 24 hours of your hospital admission. In case of planned hospitalization, you need to inform the insurer at least 48 hours before your admission. At the time of claim intimation, the insurer will seek the following information-

  • Name of the insured
  • Details of the hospital
  • Customer ID and Claimant's ID
  • Treatment and diagnosis details
  • Estimated claim amount
  • Hospital admission Date

The insurer will provide you with a reference ID for all the future communications related to your claim,

Note: The Claim form can be downloaded from their website.

Documents Required for Religare Care Freedom Health Insurance Claims

Religare Care Freedom medical insurance claim form is easily downloadable online from the insurer’s website. To settle the process you would need to furnish all the documents together with a duly-filled claim form in the stipulated time:

  • Original claim form to be duly completed and signed
  • Valid photo-id proof
  • Referral letter from the treating doctor recommending hospitalization/specific treatment
  • A prescription from the medical practitioner suggesting diagnostic tests/medicines/consultation
  • Original bills, discharge card and receipts
  • FIR, final police report, if applicable
  • Pharmacy/Chemist original bills
  • Original diagnostic/ pathological/ radiology tests reports
  • Post mortem report ( as per the case)
  • All the payment receipts
  • Any other documents as required by the Insurer

For any additional documents, you can check with the insurance provider at the time of claim.

Written By: PolicyBazaar - Updated: 09 January 2020
Average Rating
(Based on 23 Reviews)
Newsletter
Sign up for newsletter
Sign up our newsletter and get email about health plans.
Religare Care Freedom 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.

Top Articles

Best Health Insurance Plans and Policy

Best Health Insurance Plans and Policy

Health insurance is one of the most complicated insurance products. It comes with numerous riders and benefits which gives rise to several types of health insurance plans. With the ever-soaring healthcare costs in India, it is imperative to buy the r...
Top 10 Health Insurance Companies in India 2020

Top 10 Health Insurance Companies in India 2020

Every year, a list of top health insurance companies in India is declared which helps in taking the right insurance decision. There are few important features that help it to rate the insurance companies, such as their performances, Incurred Claim Ra...
Top 5 Maternity Insurance Plans

Top 5 Maternity Insurance Plans

Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood. Though rearing a child is an expensive affair and may require good financial backup to meet the requirements of a growing baby. From hosp...
List of Health Insurance Companies in India

List of Health Insurance Companies in India

A quiet revolution has swept through India’s health care sector in the past five years- best evidenced in the fact that now nearly 27% of the nation’s population is insured. The Indian healthcare sector is projected to continue its rapid expansio...
Top 8 Family Health Insurance Policies in India 2020

Top 8 Family Health Insurance Policies in India 2020

From the air we breathe to the food we eat, everything is intentionally or unintentionally subjected to adulteration. Due to this, the disease rate in India is rising drastically. Naturally, more and more people are visiting hospitals frequently. And...