Insurance Plans 1690 views November 14, 2019

Religare Health Care Insurance Plan

About Religare Health Care Insurance Plan

Specializing in health insurance products, Religare Health Insurance provides incredibly advantageous health plans that perfectly fit the customer’s requirements. It is considered wise to invest in a health plan that reaps good benefits in the hour of need. One such health plan is the Religare Health Care Insurance Plan. This plan is a comprehensive health insurance plan that provides coverage for you and your family. By shielding you as well as your family from financial losses resulting from unforeseen medical emergencies, Religare Health Insurance Plan owes to its belief in each one experiencing all the moments of life in their best health condition. With a Religare Health Care Insurance Plan, you can rest assured that in times when you are unwell, all the hassle pertaining to your treatment will be taken care of efficiently, so that you can focus on what’s most imperative that is your health and recovery.

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Types of ‘care’ products under the Religare Health Care Insurance Plan are as follows:

  1. Super Saver
  2. Elite
  3. Elite Plus
  4. Global
  5. Global Plus

Features of Religare Health Care Insurance Plan:

  1. No maximum age limit for enrollment
  2. Annual health check-up for all members included under this plan
  3. You will receive a global cover for 12 specific types of critical illnesses
  4. Special Unlimited Automatic recharge
  5. Maximum of 150% No Claim Bonus with NCB super. In a period of 5 consecutive years, your sum will be increased if you don’t make any claims by 10% and a maximum of 50%.
  6. Cashless hospitalization
  7. Available with different riders
  8. Lifelong renewability
  9. No increase in premium even if any claim is made
  10. Treatment available across listed hospitals all over the world

Coverages offered by Religare Health Care Insurance Plan

Religare Health Care Insurance Plan offers coverage not just at the time of hospitalization, but right from the time you are diagnosed up until you recover. Truly, Religare Health Care Insurance Plan does provide care at every step.

1. Pre-hospitalization

This plan offers a 30-day pre-hospitalization cover wherein, the plan covers all the expenses that lead to hospitalization such as investigation tests, blood test, x-ray tests, medical check-ups, medicines, etc. In this way, it eliminates the excess financial strain you may experience in such situations.

2. Ambulance

In case of a medical emergency, it is important you receive the required medical attention immediately. The Religare health care insurance plan reimburses domestic road ambulance costs. Not only this, but some plans under this product also offer coverage for air ambulance in case it is suggested by a doctor.

3. Yearly health check-up

Holding onto to the strong belief of prevention is better than cure, this Religare health care insurance plan offers free annual health check-ups for you and your family members that are included in the policy.

4. Domiciliary hospitalization

If you need to obtain medical treatment at home because the medical condition does not permit you to be admitted in a hospital, the plan also offers coverage for in-home treatment for a duration exceeding 3 continuous days.

5. Post-hospitalization

The plan reimburses all expenses like doctor consultations, medicines, diagnostic tests, etc. that are done up to 60 days post your hospitalization.

6. Room rent charge

Room rent charges are also covered under this health care plan.

7. ICU charges

ICU charges are taken care of under this plan.

8. In-patient hospitalization

In case you undergo a daycare treatment, which is for less than 24 hours, all of the medical costs are covered. The plan covers more than 540-day care procedures. If you are admitted for 24 hours continuously, the plan covers expenses like ICU, nursing costs and so on.

9. Automatic recharge of sum insured

In case you have made too many claims and have exhausted your health cover, the entire sum insured amount will be reinstated for you. This is to keep you monetarily secure in case you or any of the insured family members require any amount for treatments.

10. Organ donor coverage

If you need to undergo an organ transplant surgery, the plan reimburses all the medical costs incurred by the organ donor.

11. Alternate treatments

Depending upon the plan chosen, the plan also provides coverage for Ayurvedic, Unani, Sidha or Homeopathic treatments up to a specific limit.

12. Second opinion reassurance

To be doubly sure of your diagnosis, you can go for a second opinion without bearing any additional costs.

Policy details and terms of Religare Care Health Insurance Plan:

1. Entry age

The minimum entry age is 91 days and maximum no age limit.

2. Grace period

A grace period of 30 days from the date of expiry to renew the policy.

3. Sum insured

You can change or enhance your sum insured only at the time of renewal.

4. Waiting period

30 days waiting period for all illnesses except injury. However, the waiting period for pre-existing diseases of 4 years with continuous coverage.

5. Renewal

This plan has lifelong renewability. As per the then prevailing Health Insurance Product approved by the IRDA. The renewable premium payable is subject to change as per the IRDA.

6. Co-payment

At the time of the first policy, if the age of the eldest insured member under this plan is 61 years or above 61 years of age, 20% of co-payment is applicable. This means that you will pay 20% of the claim amount and the rest is paid by the insurance company. However, at the time of the first policy, if the eldest member insured under the plan is less than 61 years of age, then no co-payment policy is applicable.


Religare Health Care Insurance Plan offers a vast range of benefits and coverages that prove to be beneficial in the future. Along with add-on covers and characteristics like No Claim Bonus Super, every day Care, Air Ambulance cover, Personal Accident cover, International Second Opinion and so on, these health care plans are all-inclusive and totally worth the purchase. Religare Health Care Insurance Plan is also widely known for its best customer service and 100% in-house claim settlements. In the health insurance industry, Religare has proven to have the best claim settlement ratio of 92%. Your decision to secure your life as well as your loved ones with Religare Health Insurance is the most fruitful decision of all.

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