Religare Care Comprehensive Health insurance Plan

*Please note that the quotes shown will be from our partners
*savings provided by insurer

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