The Religare Health Insurance plans offer health coverage to you along with your Family. You can’t Predict all things in the life. The Health is uncertain. Any responsible person wishes to protect their family. You have to work hard to provide the complete financial security to your Family. The Religare Health Insurance or Religare Mediclaim Plans offer Best health insurance plans. First of All, You ned to take health care to fulfil all your needs. Let’s know about the All Religare Health Mediclaim plans, benefits, features, buying process, renewal process & all required details.
Religare Health Insurance Plans
The Religare General Insurance offers the best Health Insurance plans, along with Home Insurance plans, Motor Insurance Plan and Travel Insurance plans. These Medical Insurance / Health Insurance Plans/ Mediclaim plans offer the Health Coverage for Group, individuals, family, senior citizens & Personal Accident plans. The Religare is one of the Best General Insurance Company in the India. Religare is a good insurance company. Religare Health plans are applicable for the both Men & women at any age. The Religare General Health plans offers health care of the dependent children & parents of the life assured. The Religare offers four different Mediclaim plans with the different attractive benefits & features. So, You have to select the required health insurance policy based on your required. It is very easy to buy Health insurance plans of Religare Online. The necessary plan Choosing is very hard So we are here to provide all related details regarding these Religare health insurance plans.
Religare Mediclaim Plans
The Religare Health Insurance Plans are various types. There are 4 Health plans in Aegon Religare General Insurance company. Those 4 health plans are listed below.
- Care Freedom
The Religare Care Plan
The Religare care plan is the comprehensive health insurance. Generally,posed to different health hazards. Then the Religare Health Insurance plans to help you to provide funds during your hospitalisation due to illness or injury. If you have any health insurance, then your savings would become nil due to hospitalisation costs. You may borrow the money from any other person to pay the hospital bills. Nowadays the interest rates will be high on borrowing the money. The Health Insurance is the best choice to overcome all these situations.
Features of Religare Care Plan
- Sum Insured (up to Rs. 60 lacs) with guaranteed lifelong renewability is available.
- Offers Automatic recharge of sum insured, if your claim amount exceeds your coverage, at no extra cost.
- Provide Upto 150% increase on sum insured due to No Claim Bonus- Super
- Annual health check-up for insured members- regardless of claims history
- No pre-policy medical check-up for sum insured less than Rs. 25 lacs, till 45 years of age
- Cashless & Hassle-free direct claim settlement with us at 4900+ Hospitals
The Religare Care Plan Eligibility
|Min entry age||91 days|
|Max age||No age bar|
The Policy renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.
|Renewal premium||1 year|
|Co-payment||No Co-payment in policy Sum Insured 3/4 Lacs, for any age.
No Co-payment in policy Sum Insured > 4 lacs ever, if insured with us before the age of 61. If above 61 while getting protected with us 1st time, – you can pay 20% of the claim amount under the policy, if any.
|Waiting||30 days – Expect illness injury|
|Waiting period for already existing illnesses||4 years 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|
Religare Health Insurance Plans – Care inclusions
- patient hospitalisation – Upto Sum Insured
- Pre-hospitalization – 30 days
- Post-hospitalization – 60 days
- Day Care Treatments – Yes
- Room Rent
- ICU charges
- Ambulance Cover
- Daily Allowance
- Domiciliary hospitalization
- Health Check-up
- Recharge of SI
- No Claim Bonus
- Organ Donor Cover
- Second opinion
- Alternative Treatments
Exclusions of Religare Care Plan
- The undergoing of surgery / diagnosis of diseases / occurrence of event or symptoms occur within 30 days of Policy Period will be excluded.
- Resulting from suicide & attempted suicide expenses excludable.
- Expenses of drug use/misuse/abuse/alcohol are not applicable for claiming.
- Medical costs of AIDS treatment is not applicable.
- Pregnancy, childbirth, miscarriage, abortion & its consequences expense negligible.
- Disease of Congenital.
- Infertility & in vitro fertilisation Tests and related treatment will not applicable
- hospitalisation due to nuclear weapons, War, Strike, riot.
Religare Enhance Insurance Plan
The Religare Enhance is the Super Top Up Health Insurance plan in Religare. Nowadays The Hospitalisation costs increase. You have to spend the more money even for regular health check up also. To get financial support for those things we have to insure. The Religare Enhance insurance is one of the Best health insurance plans in Religare. You can get an extra safety coverage that is significantly with lesser premium.
Features of Religare Enhance Insurance Plan
- Health insurance premium tends to increase with age – more the age, higher the premium.
- You can cover for medical conditions that may diagnose over the years provided there is no break in the policy.
- In addition, each ‘no claim’ year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of ‘no-claim’ bonus varies from company to company.
- Lastly, income tax benefit under Section 80 D of the Income Tax Act.
Eligibility & Religare Enhance Plan Details
|Min entry age||1 day|
|Max age||No Age limit|
|Renewal premium||Premium payable on renewal|
|Co – payment||If you enrol at the age of 61 years or more, you can pay 20% of the claim amount under the policy. We pay the rest.|
|Waiting period||30 days for any illness|
|Waiting period for pre-existing illnesses||4 years of continuous coverage|
|Change in sum insured||enhance upon renewal|
|Grace period||30 days from the date of expiry|
|Underwriting loadings||Based on the assessment of the extra risk on account of medical conditions by the underwriter, the premium shall load accordingly (15% 30% 50%)|
|Group discount||5 to 20%, depending on the group size.|
|Complete care||After 4 years of continuous coverage, you have an option to convert your deductible plan to Comprehensive Health Insurance Plan (without any deductible)|
Inclusions of Religare Health Insurance Plans – Enhance Plan
- Sum Insured up to 30 lakhs depending on the policy premium.
- As a patientcare you can get expenses equal to Sum assured.
- 30 days Pre hospitalisation charges will be payable to the life assured.
- 60 days post hospitalisation charges can payable to the life assured.
- Applicable for Day Care treatment also.
- Single Private Room charges.
- No limit for ICU charges, Doctor’s fee.
- Organ Donor Cover.
Religare Enhance Health Insurance Exclusions
- The pre-existing injury that was diagnosed/ailment & any treatment within 48 months in policy term.
- Non-allopathic treatment
- Attempted suicide & treatment for attempting suicide is not applicable.
- Any expenses due to abuse/ alcohol or drug use / misuse
- Cost of dental treatment/ contact lenses / spectacle.
- AIDS treatment expenses
- Congenital disease
- Pregnancy & childbirth, miscarriage, abortion and its consequences expenses
- Tests & treatment relating to infertility and in vitro fertilisation
Religare Care Freedom Health Insurance Plan
This health plan is suitable for Senior Citizens. The Religare care Freedom Health insurance is mandatory for Senior Citizens. Medical costs are increasing in these days due to the uncertain environment. Therefore, insuring you & your family against the Health Insurance is a mandatory & should be a part of your regular financial planning.
Religare Health Insurance Plans – Care Freedom paln eligibility & features
|Min Entry Age||18 Years for Adult
90 days for Child
|Max Entry Age||No upper limit for Adult
24 years for Child
|Age of proposer||18 years and above|
|Cover Type||Floater/Individual(upto 6 members)|
|Grace Period||30 days from expiry date|
|Initial Waiting||30 days from any illness|
|Waiting Period – Name Ailments||2 years of continued coverage|
|Waiting Period-Pre existing Diseases||2 years of continued coverage|
Inclusions of Care Freedom paln
- ICU Charges
- Room Rent/Room Category
- Treatment of Cataract
- Treatment of Total Knee Replacement
- Surgery for treatment of all types of Hernia
- Surgeries for Benign Prostate Hypertrophy (BPH)
- Surgical treatment of stones of renal system
- Treatment of Cerebrovascular and Cardiovascular disorders
- Surgeries for Cancer
- Other renal complications and disorders
- Breakage of bones
- Expenses of Pre-hospitalisation
- Expenses of Post hospitalisation (valid till 30 days beyond the Policy End Date)
- Ambulance Coverage
- Domiciliary Hospitalization
- Dialysis Cover
Religare Care Freedom Plan Exclusions
- Not covered for Any pre-existing ailment/injury upto 24 continuous months from policy issuance date
- Any diseases encountered during the policy starting 30 days
- Expenses of resulting from suicide & attempted suicide.
- Any OPD Treatment
- Costs of alcohol or misuse/drug use//abuse
- Prices of dental treatment, spectacles/contact lenses
- Medical expenses for treatment of AIDS
- Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
- Congenital disease
- Tests and treatment relating to infertility.
Religare Joy Health Insurance Plan
Religare Joy Health Insurance paln is suitable for Maternity & Newborn Cover with Health Insurance.
Inclusions, Features & Benefits of Religare Joy Health Insurance Plans
- In-Patient Care
- Pre-Hospitalisation Medical Expenses
- Post-Hospitalisation Medical Expenses
- Ambulance Cover
- Maternity Cover (including Pre-natal & Post-Natal expenses)
- Newborn Baby Cover
- New Born Birth Defects
Eligibility of joy Health Insurance
|Entry Age – Min||18 years for Adult|
|1 Day for child|
|1 Day for New Born|
|Entry Age – Maximum||65 years for Adult|
|24 years for Child|
|90 Days for New Born|
|Cover Type||Individual / Family Floater|
|Co-payment||If you enroll at 61 years or more, then you can pay 20% of the claim amount under the policy. We pay the rest.|
|Waiting Period||30 days for any illness except accident|
|24 months for maternity of Joy tomorrow|
|9 months for maternity of Joy today|
|2 years for specific treatments/illness|
|4 years for pre-existing diseases|
|Grace Period||30 days from date of expiry to renew policy|
|Policy Tenure||3 years|
|Maternity Cover||Available only up to 45 years of age|
Joy Health Insurance Exclusions
- Any pre-existing diseases / injury that was diagnosed/acquired within 48 hours from policy taken
- Any conditions encountered during first 30 days of the policy start date except those arising out of accidents
- Non-allopathic treatment.
- Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- Cost of spectacles/contact lenses, dental treatment
- Medical expenses incurred for treatment of AIDS
- Congenital disease
- Tests and treatment relating to infertility and in-vitro fertilisation.
Religare Assure Health Insurance Policy
Religare Assure Health Insurance Plan provide coverage for 20 Critical Illnesses along with Personal Accident cover. Accidental Death Coverage is payable to beneficary.18 years to 65 years aged people are eligible for these reliagre Health Insuarnce plans. For Child Education 10% of lump sum provided. For detailed information, please refer below link.
Secure Health Insurance Plan
Religare Secure Health Insurance Plan is a Personal Accident Health Insurance Plan. It covers the Child education & Permanent total/ partial Disablement. 18 years above are eligible to buy these plans. 91 days is the Minimum entry age . For more relates information, please check below link.
How to buy Religare Health Insurance Plans?
Religare Health Insurance Plans can purchase through online from official website www.religarehealthinsurance.com by entering your Information. You can also buy the Religare Health Insurance Plans by visiting the nearest New India Branch Office or, from the Agent of Religare Health Insurance Company. The List of documents required for buying the New India Health Plans are
- Proposal Form/ Application form along with the photo.
- Age Proof.
- Address Proof.
Religare Health Insurance Plans Claim Procedure
The Life insured can claim the Health Insurance plan offered by Religare Health Insurance Plans after the completion of the policy period. In the case of eventual illness of the policyholder, the nominee can claim instead of the Life assured. The insured need to submit the request documents to Religare General Insuarnce Company or a Third Party Administrator (TPA) on the diagnosis of the cancer conditions. Insured can claim at the first diagnosis of any Illness provided the Critical Illness has been diagnosed after 90 days of the Policy starting date or the date of reinstatement. Once NIACL approves of the claim, the benefit amount payable under the policy will transfer to policyholder’s account through a NEFT payout or transfer. Let us have a glance at the documents required for Claim the Religare Health Insurance Plans here.
- Original policy Bond / Document.
- Discharge form.
- NEFT Payout Form.
- Cancel check or Bank Passbook xerox.
- Proof of Accident and Disability.
- Death certificate ( If in the case of the eventual death of the life insured).
Religare Health Insurance Plans Premium Calculator
Religare Premium Calculator is to calculate Premium amount for yearly, half-yearly, quarterly and monthly of any policy. This Religare Health Insurance Plans calculator is used to estimate the benefits offered by the Religare Health Insurance Plans. The Religare Maturity Calculator provision helps policyholder to calculate the premium and amount paid to the insured after maturity. Religare Premium Calculator is useful for the insured to calculate their Maturity amount and premium amount.
To knock the uncertainty of life, Religare Health Insurance Plans offers a broad range of solutions. If you are looking for a plan that guarantees financial protection to your family or saving that extra bit of money for medical care, Religare Health Insurance Plans are the best Option for you. Religare Health Insurance Plans have come up with different insurance plans to assist you in all stages of life.
- Enter Name.
- Mobile number and email.
- Date of Birth.
- Policy term.
- Sum Assured.
Additional Information about Religare Health Insurance Plans
Nomination and Assignment: Assignment & Nomination is allowed as per the provisions as per Section 38 and 39 of Insurance Act 1938, as amended from time to time.
Freelook Period: The Policy Terms & Conditions can review within 30 days from the date of receipt of the Policy document. If the Policy has cancelled during this Freelook Period, the Company will refund the Premium paid after deducting proportionate Risk Premium and expenses incurred on medicals and stamp duty.
The cost of Medical Examination At the time of purchase of the Policy, the cost of medical examination and special tests, if any, will be borne by the Company. At the date of revival of a Lapsed Policy, the cost of medical examination and special tests, if any, will be borne by you.
Tax Benefits: Tax benefit is applicable on Religare Health Insurance plans under Income Tax Section 80D Act.
Portability Benefits: You can get the portability benefits through the intimation of complete details.
Quick Claims Approval: Religare Network Hospitals across India, The Cashless services are available. claim reimbursement process is also easy.
Lifelong Renewal: Get Life time Religare Health Insurance Renewal against medical/ hospitalization expenses.
Cashless Facility: over 4500+ network hospitals The Cashless treatment is available.