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Religare Care Freedom - Senior Citizen Health Insurance

Objective

The policy is designed especially to provide health cover to senior citizens.

Our View

A health insurance plan for elderly. It has some useful features like automatic reinstatement of sum insured, companion benefit and consumable allowance.

Suited for

Anyone who is 46 years and above, looking for a health cover either on an individual or floater basis.

What does it do?

Like any other health cover it provides protection from unforeseen hospitalisation expenses. It also covers domiciliary hospitalisation and provides hospital cash subject to certain limitations.

Pros

It offers lifelong renewal.

Premium paid under this policy is applicable for tax benefit under Section 80D.

Automatic recharge of Sum Insured.

Cons

Sub limits in certain variants on room rent, nursing charges and ICU/ICCU charges.

Eligibility

Entry Age (years)

Minimum
46
Maximum
No age limit
Maximum Policy Renewal Age (years)
Life long renewal
Coverage Type
Individual/Family floater
Policy Term
1/2/3 Years

Sum Insured (Rs)

Maximum
10 lakh
Minimum
2 lakh
Policy Term (years)
1, 2, 3
Discount
7.5% on selecting a 2 year policy term and 10% if a 3 year policy term is selected.
Pre Policy Medical Check Up
Required if the entry age is 46 years and above.
Free look Period
15 days
Grace Period for Policy Renewal
30 days

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
PlansPlan 1Plan 2
Sum Insured2 lakh/3 lakh/4 lakh/5 lakh2 lakh/3 lakh/4 lakh/5 lakh/7 lakh/10 lakh
Cashless facilityavailable at network hospitals
Reimbursement facilityavailable if treatment taken in non-network hospitals
Pre and post hospitalisation expensesUp to 7.5% of payable hospitalisation expenses if the Sum Insured is below 5 lakh. Up to 10% of payable hospitalisation expenses if the Sum Insured is equal to or more than Rs 5 lakh.
Automatic recharge of Sum Insured100%, if the Sum Insured is Rs 3 lakh and above
Inpatient treatmentcovered
Day care proceduresCovered
Dialysis CoverUp to Rs. 1,000 per sitting; up to 24 months from date of occurrence of event
Domiciliary Hospitalisationup to 10% of Sum Insured covered after 3 days
Room rent and nursing chargesTwin Sharing Room subject to a maximum of 1% of Sum Insured per day; Twin sharing room without limit if the Sum Insured is 5 lakhTwin Sharing Room subject to a maximum of 1% of Sum Insured per day; Twin sharing room without limit if the Sum Insured is 5 lakh; Single private room if the Sum Insured is 7/10 lakh
ICU/ICCU chargesUp to 2% of Sum Insured per day if the Sum Insured is below 5 lakh; No limit if the Sum Insured is 5 lakh and aboveUp to 2% of Sum Insured per day if the Sum Insured is below 5 lakh; No limit if the Sum Insured is 5 lakh and above
Emergency ambulanceUp to Rs 1,000 per hospitalisation
Companion Benefit(If Hospitalization exceeds 10 days)Rs 10,000 if the Sum Insured is below Rs 5 lakh; Rs 15,000 if the Sum Insured is 5 lakh and above
Consumable Allowance(Max. 7 days per Hospitalization covered after 3 days)Rs 500 per day for Sum Insured of Rs 2 lakh; Rs 750 per day for Sum Insured of Rs 3 and 4 lakh; Rs 1000 per day if Sum Insured is Rs 5 lakh and above
Exclusions and Waiting period
Pre-existing diseasescovered after 24 months of continuous policy renewal
No claim period30 days from policy start date
Waiting period24 months for specified diseases like non-infective arthritis, joint replacement, etc.
Other exclusionsAny OPD treatment, Congenital disease, expenses attributable to self-inflicted injury, etc.

Cost Details

Annual Premium (including taxes)
Age/Sum Insured3 lakh5 lakh7 lakh10 lakh
1 Adult
46-509935121681473516341
51-5511380142671731819451
56-6014244184232323926426
61-6519827299393110236846
66-7031180383505128662140
71-7540063550416759780750
76-80501256975384683101899
>806775095007119023145309
1 Adult + 1 Child
46-5012121151231763720062
51-5513568172222022023172
56-6016432213782614330147
61-6522015268953359240154
66-7033368413065377665448
71-7542086577766975983668
76-80521497248686844104817
>806977297741121185148227
1 Adult + 2 children
46-5014309180802349026733
51-5515754201782607429843
56-6018618243353199636818
61-6524201298513985847238
66-7035554442626004372532
71-7544109605107569790363
76-80541727522092782111512
>8071796100475127123154921
2 Adults + 1 Child
46-5017351215022671530064
51-5520634260473101235179
56-6024737320813931445016
61-6532905408585156260838
66-7049390610367926295913
71-756453386857106650128166
76-8081948114058136711164776
>80108125151825185954226915
2 Adults + 2 Children
46-5019538244593256836735
51-5522820290033686641851
56-6026923350384516751688
61-6535091438135782867922
66-70515776399185529102997
71-756655789592112587134961
76-8083971116793142649171472
>80110148154559191892233609
This policy can cover upto 6 family members in a single policy including the policyholder, his spouse, parents and children.
Premiums for family size other than those mentioned above can be calculated using premium calculator on company's website.