Religare Care Comprehensive Health insurance Plan

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Religare care comprehensive health insurance plan comes with a wide range of sum insured options. The plan comes with lifelong renewability option and a free-look period of 15 days.  Moreover, you can avail cashless treatment in India and abroad. All the claims are quickly settled and you also get No-claim-discount for all the claim-free years. Here is what the plan has in offering: 

Key Features and Benefits of Religare Care Comprehensive Health insurance

Here is a list of the USPs of this plan:

  • Cashless treatment available in more than 5420 hospitals
  • With NCB Super you can get up to 150% No Claim Bonus
  • Automatic recharge of the sum insured
  • Global cover for 12 critical illnesses ( Care Anywhere)
  • Availability of rider benefits
  • Lifelong renewability option
  • Claim settlement ratio is 92% ( as per the insurer’s site)

Inclusions of Religare Care Comprehensive Health insurance Policy

The coverage may vary on the basis of the sum insured amount. Here is a list of the benefits that you can avail:

  • Sum insured option ranges from 4 lakhs to 6 crores
  • Minimum entry age is 91 days and there is no cap on the 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 up to the sum assured limit
  • Daycare treatment for selected treatments up to the sum assured limit
  • Annual health check-ups including - blood test with ESR, blood sugar, lipid profile, kidney functioning test, urine routine etc.
  • Pre and post hospitalization expenses to be reimbursed up to 10% of total payable hospitalization expenses
  • Organ donor cover
  • Consumable allowance paid in 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 cover 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 starting from Rs. 1500 up to Rs. 3000 per hospitalization
  • Companion benefits for hospitalization exceeding more than 10 days
  • 100% reinstatement of sum insured on exhaustion of sum assured

Religare Care Comprehensive Health insurance Plan Table

There are different plans on the basis of the sum insured and the coverage provided is listed in the table below:

Coverage


Care 3 ( 4 Lac ) 
Super Saver

Care 4 (5,7,10 Lacs) 
Elite

Deductibles

INR10,000

Not Applicable

No Claim Bonus ( NCB)

Yes

Yes

Pre-hospitalization Cover

30 days

30 days

Inpatient hospitalization Cover

Up to SI

Up to SI

Post-hospitalization Cover

60 days

60 days

Day Care Treatments

Yes

Yes

Room Rent Expenses

1% of SI per day

 Single Private Room

Domiciliary Hospitalization

Up to 10% of SI

Up to 10% of SI

Health Check-up

For all the members

For all the members

Ambulance Cover

Rs.1,500 per hospitalization

Rs.2,000 per hospitalization

Daily Cash Allowance

Rs.500/ day up to 5 days

-

Restoration of SI

Included

Included

ICU charges per day

2% of SI

No Limit

Second Medical Opinion

Included

Included

Organ Donor Expenses

INR 50,000

INR 100,000

Alternative Treatments

Up to INR 15,000

Up to INR 20,000

 

Coverage


Care 4 (5,7,10 Lacs) 
Elite

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

Pre-hospitalization Cover

30 days

30 days

Inpatient hospitalization Cover

Up to SI

Up to SI

Post-hospitalization Cover

60 days

60 days

Day Care Treatments

Yes

Yes

Room Rent Expenses

Private Room ( Single)

Single Private Room 
(upgradable to next level)

ICU charges

No Limit

No Limit

Ambulance Cover

Rs.2,000 per hospitalization ion

Rs.2,500 per hospitalization

No Claim Bonus ( NCB)

Yes

Yes

Domiciliary Hospitalization

Up to 10% of SI

Up to 10% of SI

Medical Check-up

For all the members

For all the members

Restoration of SI

Included

Included

Second Medical Opinion

Included

Included

Organ Donor Cover

INR 1 lakh

INR 2 lakhs

Alternative Treatments

Up to INR 20,000

Up to INR 30,000

 

Coverage

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

Care 6 (50,60,75 Lacs)
Global

Pre-hospitalization Cover

30 days

30 days

Inpatient hospitalization Cover

Up to SI

Up to SI

Post-hospitalization Cover

60 days

60 days

Day Care Treatments

Yes

Yes

ICU charges

No Limit

No Limit

Room Rent Expenses

Single Private Room 
(can be upgraded to next level)

Single Private Room 
(can be upgraded to next level)

Domiciliary Hospitalization

Up to 10% of SI

Up to 10% of SI

Ambulance Cover

Rs.2,500 per hospitalization

Rs.3,000 per hospitalization

Medical Check-up

For all the members

For all the members

No Claim Bonus ( NCB)

Yes

Yes

Restoration of SI

Included

Included

Organ Donor Cover

INR 2 lakhs

INR 3 lakhs

Second Medical Opinion

Included

Included

Alternative Treatments

Up to INR 30,000

Up to INR 40,000

Maternity Cover

-

Up to INR 1 Lakh

Care Anywhere

-

Yes

 

Coverage

Care 6 (50,60,75 Lacs)
Global

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

Pre-hospitalization Cover

Up to SI for 30 days

Up to SI for 30 days

Inpatient hospitalization Cover

Up to SI

Up to SI

Post-hospitalization Cover

Up to SI for 60 days

Up to SI for 60 days

Day Care Treatment Expenses

Up to SI

Up to SI

ICU charges

No Limit

 

Room Rent Expenses

Single Private Room 
(can be upgraded to next level)

Single Private Room 
(can be upgraded to next level)

Domiciliary Hospitalization

Up to 10% of SI

Up to 10% of SI

Ambulance Cover

Rs.3,000 per hospitalization

Rs.3,000 per hospitalization

Medical Check-up Facility

For all the members

For all the members

Restoration of SI

Included

Included

Second Medical Opinion

Included

Included

Alternative Treatments

Up to INR 40,000

Up to INR 50,000

Organ Donor Expenses

INR 3 lakhs

INR 5 lakhs

No Claim Bonus ( NCB)

Yes

Yes

Vaccination Cover

-

Up to INR 10,000

Care Anywhere

Provided

Provided

Maternity Cover

Up to INR 1 lakh

Up to INR 2 lakhs

 

 

 

Global Coverage: (excluding the USA) 45 continuous days in a single trip; Maximum 90 days on a cumulative basis during a policy term

 

Up to SI for hospitalization expenses. Maternity benefits up to the specified limit. 10% co-pay per claim

Special Add on cover:

   

Global Coverage – extendible to the USA also

 

Up to SI for hospitalization expenses. Maternity benefits up to the specified limit. 10% co-pay per claim

 

Coverage

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

Pre-hospitalization Cover

Up to SI for 30 days

Inpatient hospitalization Cover

Up to SI

Post-hospitalization Cover

Up to SI for 60 days

Ambulance Cover

Rs.3,000 per hospitalization

Day Care Treatments

Up to SI

Room Rent

Single Private Room 
(can be upgraded to next level)

Organ Donor Expenses

INR 5 lakhs

Domiciliary Hospitalization

Up to 10% of SI

Medical Check-up Facility

For all the members

Restoration of SI

Up to the SI ( in a policy period)

No Claim Bonus ( NCB)

Yes

Organ Donor Expenses

INR 5 lakhs

Second Medical Opinion

Included

Care Anywhere

Yes

Alternative Treatments

Up to Rs.50,000

Vaccination Cover

Up to INR 10,000

Maternity Cover

Up to INR 2 lakhs

Global Coverage: (excluding the USA) 45 continuous days in a single trip; Maximum 90 days on a cumulative basis during a policy term

Up to SI for hospitalization expenses. Maternity benefits up to the specified limit. 10% co-pay per claim

Special Add on cover:

 

Global Coverage – extendible to the USA also

Up to SI for hospitalization expenses. Maternity benefits up to the specified limit. 10% co-pay per claim

 

Exclusions of Religare Care Comprehensive Health insurance Plan

The standard policy exclusions are -

  • Any disease/symptoms resulting within 30 days of the policy commencement date
  • Hospitalization required after self-inflicted injuries or any suicidal attempt
  • Treatment required for AIDS
  • Health issues attributable to drug use/alcohol/intoxication
  • Congenital diseases
  • Complication resulting from pregnancy and childbirth, abortion, miscarriage, and its consequences
  • Expenses incurred on infertility and in vitro fertilization
  • Nuclear weapons, war, strike, and weapons induced hospitalization

Religare Care Comprehensive Health insurance Plan Claim Procedure

The claim procedure remains the same for almost all the plans, but sometimes it may vary. Mentioned below is the process to file a claim with Religare:

  1. Immediately notify the insurer about the hospitalization. It should be done within 24 hours if it is an emergency hospitalization. In the case of planned hospitalization, the insurer should be informed within 48 hours.
  2. You can inform them over email i.e. customerfirst[@]religarehealthinsurance[.]com or call them on their helpline number i.e. 18002006677

For cashless claims you need to follow the below mentioned process:

  • Fax or email the pre-authorization form to the insurer. You can download it online or ask for it at the TPA or insurance desk of the hospital.
  • Once the claim is approved you will receive the approval letter
  • In case cashless claim request is not approved you will need to file a claim for reimbursement

Here is the procedure that you need to follow for reimbursement of your claims:

  • Firstly, you need to submit the claim form
  • Then you need to submit all the essential documents as mentioned in the policy wordings
  • You need to cooperate with the claim management team in case of any queries and investigations
  • Once the process is completed the insurer will either accept your reject your claim. Once the request is approved you will get your claim amount

Documents Required

You can download the health insurance claim forms from Religare’s website. And here is the list of documents that you need to furnish/submit:  

  • Claim form duly filled and signed (original copy)
  • Medical practitioner’s prescription suggesting hospitalization
  • Pharmacy bills (original copies)
  • Photo ID proof
  • Medical bills and receipts ( original copies)
  • Discharge card/summary from the hospital
  • Doctor’s report medical tests, consultations, and medications
  • All the medical reports and tests with receipts ( original copies)
  • Police FIR Report (if applicable)
  • Post-mortem report ( in original, if required)

For any additional documents, you need to check with the insurer.

Written By: PolicyBazaar - Updated: 02 April 2019
Religare Care Comprehensive 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.