Religare Health Insurance Care Plan Features
| Features/ Plan (SI) | 5, 7, 10 lacs | Elite Plus- 15, 20, 25, 30, 40 lacs |
|---|---|---|
| In patient hospitalization | Upto Sum Insured | Upto Sum Insured |
| Pre-hospitalization | 30 days | 30 days |
| Post-hospitalization | 60 days | 60 days |
| Day Care Treatments | Yes | Yes |
| Room Rent | Single Private Room | Single Private Room (upgradable to next level) |
| ICU charges | No Sub-Limit | No Limit |
| Ambulance Cover | Rs.2,000/ hospitalization | Rs.2,500/ hospitalization |
| Domicilliary hospitalization | Upto 10% of SI | Upto 10% of SI |
| Health Check-up | Yes, all members | Yes, all members |
| Recharge of SI | Yes | Yes |
| No Claim Bonus | Yes | Yes |
| Organ Donor Cover | Rs.100,000 | Rs.200,000 |
| Second opinion | Yes | Yes |
| Alternative Treatments | Upto Rs.20,000 | Upto Rs.30,000 |
To buy Cashless Health Insurance click Religare Health Insurance.
Religare Health Insurance Care Policy Terms
Policy Terms |
|
| Minimum entry age | 91 days |
| Maximum age | No age bar |
| Renewal | Lifelong Renew-ability. The Policy can be renewed under the then prevailing |
| Renewal Premium | Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA. |
| Co-payment | No Co-payment in policy, if age of the eldest member insured with us at the time of first policy is below 61 years. 20% Co-payment will be applicable in policy, if age of the eldest member insured with us at the time of first policy is 61 years or above 61 years i.e. you will have to pay 20% of the claim amount under the policy, if any. |
| Waiting period | 30 days for any illness except injury |
| Waiting period for pre-existing illnesses | Four years of continuous coverage |
| Change in Sum Insured | You can enhance your sum insured under the policy only upon renewal |
| Grace period | 30 days from the date of expiry to renew the policy |
Plan Details
Cashless Hospitalization & Day Care Treatment
If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more. We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours - we cover a comprehensive range of 170 day care treatments, the highest in industry. You will also get cashless treatment at our over 4758+ network hospitals and reimbursement in any other hospital of your choice.
Pre & Post hospitalization
We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
Auto Recharge of your Sum Insured
If due to claims made, you ever exhaust your health cover, we recharge the entire sum insured of your policy for you, in the policy year. This is applicable on all policies. All this at no extra cost!
Avail Health Check-ups, every year
Our wish is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and members covered as adult in the policy, every year. Even if you make a claim with us! Just call our call center anytime, to schedule your appointment. Its simple.
Daily Allowance
This will help you take care of the incidental non-medical expenses (attendant meals, transportation etc.) incurred during hospital stay.
No Sub-Limits !
As far as we are concerned, it is your money – All our plans come without any cap on vital expenses like doctor/surgeon fees, operation theater & allied charges, to name a few. No room rent limit charges plans start from 5 Lac.
Avail Treatment anywhere in the World
Our care knows no boundaries, literally. So, while we ensure you have access to the best healthcare services, we leave it to your discretion whether you would wish to avail certain specialized treatments in India or abroad and reimbursed as per policy. Available for sum insured of 50 and 60 Lacs plans.
No Co-Payment Plans
Co-payment means the insured would have to pay a part of the claim amount. Generally, companies ask for 20%. But ALL of our plans are 'No Co-payment' plans for entire life, if the person to be insured is less than 61, at the time of 1st buy of the policy. If the person is more than 61 yrs at the time of 1st buy of policy, they can choose 3 or 4 Lacs plans to have 'No Co-Payment' Option plan.
No 'Claim-based' loading & Get Lifetime Renewability
We want you there for you, for your entire life. That's why none of our plans have any 'Claim-based loading' of premiums at the time of renewals. The Policy can also be renewed lifelong under the prevailing Health Insurance Product or its nearest substitute approved by IRDA.
Get additional 100% No-Claim Bonus
If you did not need to have any claim in your health insurance policy in a year, you will get a super increase of 50% bonus in your sum insured every year in additon to 10%. Your bonus keeps building up, up to 100% of your sum insured! It’s just our way to tell you that we’re there with you in good times and in bad. This benefit is available in Super No-claim bonus plans. In all other plans you get an increase of 10 per cent in your sum insured during the next year. And for every year that you enjoy un-interrupted good health, your bonus keeps building up, up to 50% of your sum insured!
Review your decision
After purchasing your policy, if you find it unsuitable, you can cancel the same with us. Our policy comes with a free look period of 15 days.
Other great Tax benefits-
There's still lot more we have for you! All our policies are eligible for claiming deduction for Tax Benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, Domiciliary hospitalisation covered, Increase your Policy’s Sum Insured even later,10%discount on 3 year policy term and 7.5% Discount on 2 year policy terms, online instant health insurance buy and more.
47817 care -_health_insurance_plan_brochure from Satyendra Gupta
To buy Cashless Health Insurance click Religare Health Insurance.