Religare Assure - Critical Illness and Personal Accident Cover
Objective
The policy is designed to provide both, critical illlness cover and personal accident cover.
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.
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.
Eligibility
Entry Age (years)
Minimum
18
Maximum
65
Maximum Policy Renewal Age (years)
Life long renewal
Coverage Type
Individual
Policy Term
1/2/3 Years
Sum Insured (Rs)
Maximum
25 crore
Minimum
1 lakh
Policy Term (years)
1, 2, 3
Discount
7.5% on selecting a 2 year policy term and 10% on selecting a 3 year policy term.
Customer Service
Address
Religare Health Insurance Company Limited, GYS Global, Plot No. A3, A4, A5,Sector - 125, Noida, U.P.-201301
Mail to
[email protected]
Call to
1800 200 4488 (toll free)
SMS
Religare' to 56677
Network Hospitals
Http://www.religarehealthinsurance.com/health-plan-network-hospitals.html
Additions to the Plan
| Scope Of Cover | |||
| Plan | Assure 2 | Assure 3 | Assure 4 |
| Sum Insured | From 1 Lakh to 25 Crore | 1 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 covered | 15 | 15 | 20 |
| Critical illnesses covered | Cancer, 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 | Cancer, 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 | Cancer, 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 Cover | Covered | Covered | Covered |
| Medical events and surgical procedures | Covered | Covered | Covered |
| Child Education | Not Covered | 10% of Sum Insured | 10% of Sum Insured |
| Second Opinion | Covered | Covered | Covered |
| Annual Health Check-up | Covered | Covered | Covered |
| Exclusions and Waiting period | |||
| Waiting period | 90 days from the policy inception date. | ||
| Survival period | Zero days | ||
| Other exclusions | Any pre-existing illness, congenital disease, War, riot, strike, nuclear weapon induced hospitalisation, medical expenses incurred for treatment of AIDS, etc. | ||
Cost Details
| Annual Premium (including taxes) | ||||
| Sum Insured/Age group | 5 Lakh | 10 Lakh | 15 Lakh | 20 Lakh |
| 18-25 | 1598 | 2780 | 4374 | 5557 |
| 26-30 | 1891 | 3367 | 5253 | 6728 |
| 31-35 | 2539 | 4659 | 7191 | 9310 |
| 36-40 | 3998 | 7570 | 11555 | 15128 |
| 41-45 | 7128 | 13816 | 20920 | 27610 |
| 46-50 | 12722 | 24222 | 36902 | 48401 |
| 51-55 | 20198 | 39148 | -- | -- |
| 56-60 | 32106 | 61035 | -- | -- |
| 61-65 | 45729 | 88232 | -- | -- |
| Premium for other options can be calculated using the insurers website. | ||||
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