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Religare Assure - Critical Illness and Personal Accident Cover

Objective

The policy is designed to provide both, critical illlness cover and personal accident cover.


Suited for

The policy is suited for anyone looking for protection against major crical illnesses and accidental death or permanaent total disablement.


What does it do?

It pays sum insured on confirmed diagnosis of any of the sopecified 20 critical illnesses covered under this policy. It covers cancer, coronary artery bypass surgery, first heart attack (myocardial infarction), end stage renal failure, major organ transplant, multiple sclerosis, stroke, paralysis, total blindness, etc. It also covers Permanent Total Disablement (PTD).


Pros

Premiums paid under this plan qualify for deduction under Section 80D of Income Tax Act.

Provides cover for child educatin.

No survival period required.


Cons

One of the plan options (Assure 2) does not provide cover for child education.


Our View

A comprehensive criticall illness and personal accident insurance policy. The policy does not have a requirement of survival period which is an added advantage.

Eligibility
Entry Age (years) 
Minimum18
Maximum65
Maximum Policy Renewal Age (years)Life long renewal
Coverage TypeIndividual
Policy Term1/2/3 Years
Sum Insured (Rs) 
Maximum25 crore
Minimum1 lakh
Policy Term (years)1, 2, 3
Discount7.5% on selecting a 2 year policy term and 10% on selecting a 3 year policy term.
Customer Service 
AddressReligare Health Insurance Company Limited, GYS Global, Plot No. A3, A4, A5,Sector - 125, Noida, U.P.-201301
Mail to[email protected]
Call to1800 200 4488 (toll free)
SMSReligare' to 56677
Network HospitalsHttp://www.religarehealthinsurance.com/health-plan-network-hospitals.html
Additions to the Plan
Scope Of Cover
PlanAssure 2Assure 3Assure 4
Sum InsuredFrom 1 Lakh to 25 Crore1 Lakh to 10 Lakh (in multiples of 1 Lakh)15 Lakh to 50 Lakh (in multiples of 5 Lakh)75 Lakh, 1 Crore, 1.25 Crore, 1.75 Crore, 2.25 Crore, 2.75 Crore and 3 Crore
No. of Critical Illnesses covered151520
Critical illnesses coveredCancer, End Stage Renal Failure, Multiple Sclerosis, Benign Brain Tumour, Total Blindness, Motor Neurone Disorder, End Stage Lung Disease, Major Organ Transplant, Heart Valve Replacement, Coronary Artery Bypass Graft, Stroke, Paralysis, Myocardial Infarction, Major Burns, ComaCancer, End Stage Renal Failure, Multiple Sclerosis, Benign Brain Tumour, Total Blindness, Motor Neurone Disorder, End Stage Lung Disease, Major Organ Transplant, Heart Valve Replacement, Coronary Artery Bypass Graft, Stroke, Paralysis, Myocardial Infarction, Major Burns, ComaCancer, End Stage Renal Failure, Multiple Sclerosis, Benign Brain Tumour, Total Blindness, Motor Neurone Disorder, End Stage Lung Disease, Major Organ Transplant, Heart Valve Replacement, Coronary Artery Bypass Graft, Stroke, Paralysis, Myocardial Infarction, Major Burns, Coma, Parkinson's Disease, Alzheimer's Disease, End Stage Liver Disease, Bacterial Meningitis, Aplastic Anaemia
Personal Accident CoverCoveredCoveredCovered
Medical events and surgical proceduresCoveredCoveredCovered
Child EducationNot Covered10% of Sum Insured10% of Sum Insured
Second OpinionCoveredCoveredCovered
Annual Health Check-upCoveredCoveredCovered
Exclusions and Waiting period
Waiting period90 days from the policy inception date.
Survival periodZero days
Other exclusionsAny pre-existing illness, congenital disease, War, riot, strike, nuclear weapon induced hospitalisation, medical expenses incurred for treatment of AIDS, etc.
Annual Premium (including taxes)
Sum Insured/Age group5 Lakh10 Lakh15 Lakh20 Lakh
18-251598278043745557
26-301891336752536728
31-352539465971919310
36-40399875701155515128
41-457128138162092027610
46-5012722242223690248401
51-552019839148----
56-603210661035----
61-654572988232----
Premium for other options can be calculated using the insurers website.

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