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Religare Care - Comprehensive Health Insurance Plan

Objective

This policy aims to provide adequate medical insurance even after the initial sum insured is exhausted. It restores the sum insured if exhausted by a family member’s claim. The reinstated sum can be used subject to certain conditions.


Suited for

Being a sum insured reinstatement policy, though available to individuals, it is more beneficial as a family floater cover. Even if an elderly insured member avails the sum insured, other members will not be deprived of insurance benefit, in the hour of need. It can cover up to six family members in a single policy.


What does it do?

The policy covers unforeseen hospitalisation expenses along with the incidental expenses like ambulance cost, organ donor hospitalisation, etc. It also covers domiciliary hospitalisation and second opinion. Also, the policy reinstates the sum insured, if depleted in a policy year. The restored sum insured, however, cannot be utilized for treatment of illness(es) for which the claim was made in the policy year.


Pros

It offers Automatic Policy Recharge at no extra premium if initial sum insured gets depleted.

Covers domiciliary hospitalisation.

Premium paid is eligible for tax benefit under Section 80D.


Cons

Restored sum insured cannot be used for treatment of the illness for which a claim has already been made.


Our View

A family floater policy which provides wide and extended coverage at reasonable rates. The policy can take care of insurance needs of all members by restoring the insurance benefits.

Eligibility
Entry Age (years) 
Minimum91 days
MaximumNo age limit
Maximum Policy Renewal Age (years)Life long renewal
Coverage TypeIndividual/Family floater
Policy Term1/2/3 Years
Sum Insured (Rs) 
Maximum2 crore
Minimum1 lakh
Policy Term (years)1, 2, 3 Years
Discount7.5% on selecting a 2 year policy term and 10% if a 3 year policy term is selected.
No Claim Bonus50% increase in Sum Insured per Policy Year in case of claim-free year; Max up to 100% of Sum Insured (50% decrease in SI per Policy Year in case a claim has been paid; Such decrease is only in SI accrued as NCBS). No claim bonus is not available in Care 1 and Care 7.
Pre Policy Medical Check UpRequired if the Sum Insured is 15 lakhs and above or if the entry age is 46 years and above under all sum insureds.
Free look Period15 days
Grace Period for Policy Renewal30 days
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 (Care 1 to Care 5)
PlanCare 1Care 2Care 3Care 4Care 5
Sum Insured (R)1 lakh/1.5 lakh2 lakh/2.5 lakh3 lakh/3.5 lakh5 lakh/5.5 lakh/6 lakh/6.5 lakh/7 lakh/7.5 lakh/8 lakh/8.5 lakh/9 lakh/9.5 lakh/10 lakh15 lakh/20 lakh/25 lakh/30 lakh/40 lakh
Cashless facilityavailable if treatment availed in empanelled hospitals
Reimbursement facilityavailable if treatment taken in a non-network hospital
Pre and Post Hospitalisation expensescovered from 30 days before hospitalisation and 60 days post hospitalisation
Hospitalisation expenses
Room rentUp to 1% of Sum Insured per daySingle Private RoomSingle Private Room (upgradable to next level, only if Single Private Room is not available)
ICU chargesUp to 2% of Sum Insured per dayNo Sub-limit
Day Care Treatmentcovered
Daily Cash BenefitRs. 250 per day; Max. 5 days per hospitalization coveredRs. 500 per day; Max. 5 days per hospitalization coveredNot Available
Ambulance expensesUp to Rs 1,000 per hospitalizationUp to Rs 1,500 per hospitalizationUp to Rs 1,500 per hospitalizationUp to Rs 2,000 per hospitalizationUp to Rs 2,500 per hospitalization
Domiciliary hospitalisationNot CoveredUp to 10% of Sum Insured if domiciliary hospitalisation exceeds 3 days
Organ donor hospitalisation expensesnot coveredcovered upto Rs 50,000covered upto Rs 50,000covered upto Rs 1 lakhcovered upto Rs 2 lakh
Second opinionNot Coveredprovided in case of critical illnesses mentioned in policy document
Annual Health Check upallowed for every adult covered under the policy
Sum Insured reinstatement benefitnot allowedavailable upto initial sum insured
Scope Of Cover (Care 6 to Care 9)
PlanCare 6Care 7Care 8Care 9
Sum Insured (R)50 lakh/60 lakh/75 lakh100 lakh/150 lakh/200 lakh 3 lakh/3.5 lakh5 lakh/5.5 lakh/6 lakh/6.5lakh/ 7 lakh/7.5 lakh/8 lakh/8.5 lakh/9 lakh/9.5lakh/10 lakh
Cashless facilityavailable if treatment availed in empanelled hospitals
Reimbursement facilityavailable if treatment taken in a non-network hospital
Pre and Post Hospitalisation expensescovered from 30 days before hospitalisation and 60 days post hospitalisation
Hospitalisation Expenses
Room rentSingle Private Room (upgradable to next level, only if Single Private Room is not available)Up to 1% of Sum Insured per day
ICU chargesNo Sub-limitUp to 2% of Sum Insured per day
Day Care TreatmentCovered
Daily Cash BenefitNot AvailableRs. 500 per day; Max. 5 days per hospitalization coveredNot available
Ambulance expensesUp to Rs 3,000 per hospitalizationUp to Rs 5,000 per hospitalizationUp to Rs 1,500 per hospitalizationUp to Rs 2,000 per hospitalization
Domiciliary hospitalisationUp to 10% of Sum Insured if domiciliary hospitalisation exceeds 3 days
Organ donor hospitalisation expensescovered upto Rs 3 lakhcovered upto Rs 5 lakhcovered upto Rs 50,000covered upto Rs 1 lakh
Second opinionprovided in case of critical illnesses mentioned in policy document
Annual Health Check upallowed for every adult covered under the policy
Sum Insured reinstatement benefitavailable upto initial sum insured
Exclusions and Waiting period
Pre-existing diseasescovered after 4 years of continuous policy renewal
No claim period30 days from the policy start date
Waiting period24 months for specific illnesses namely, surgery on tonsils/ adenoids, cataract, Hernia Sinusitis, Varicose veins etc.
Co-payment clause20% of claim amount for insured member(s) above 60 years of age.
Other exclusionsNon allopathic treatment, Dental treatment, laser surgery, etc
Annual Premium (including taxes)
Age (in years)Sum Insured (in Rs)
2 lakh3 lakh4 lakh5 lakh7 lakh10 lakh15 lakh20 lakh25 lakh50 lakh60 lakh
1 Adult
05-242977359842015111577264238235873792331613217955
25-354163489957067126797588961215712759133942888531265
36-404523532562177751869597201312913798145033209638005
41-45555065517686955110765120861585416673175323970249306
46-50914210768126321582018297205122494126340278196568681388
51-5510683125981483018596214932417029252309693278785212104600
56-60136841616819108239722767831243375783989741887110206135751
61-65162511924322840212143302236559447054761349039127831159085
66-70238222822933614421424857455231656807013374898180207227554
71-753088336585436505473163110719098539791354146246225605287766
>75369924720956436708098169992194110656118584125491286392367897
1Adult +1 Child
18-244462533161107630875599601290513650146862541427441
25-35543564577579917210768124701630517194183153786341158
36-40574268238023970211187130411720018152192544489653780
41-456586784392551118512942148371962520724219924897659674
46-501053512517147991839821688247563000131775338187826493649
51-5511813140511666020703244212795933639357023807795647114180
56-60147751760820959262233095635600423264505047763120536146600
61-65172862084224925308193641641058493545271755875139873170989
66-70252623021736280447525294062060712517634782236193647241557
71-753257738564464025720167745796339105697768105526239240301892
>754054349902601727417687952101571118137127093137453304617387816
1Adult + 2 Children
18-246350751888761071912217138751795519008208633453537831
25-3572508548101481213513861163232111922749246684726751499
36-4077389123108431296414825170562253223808257915799069485
41-45858910140120851446216579189272498526411280556215275310
46-5013304156611870523384270993072838400406544324799057116555
51-55145821718020566256892980533886420394458147506116439137086
56-60173252044424554308203582440901501005326356487139339167340
61-65186782226826863333403884244588537245731060757149847181174
66-70271033369640346480775614865334769198232488564207422256311
71-7534220443505309463148717188371297976105085113294256371320768
>754493857839690908224192658108473127592135773146696325012410787
2Adults + 1 Child
18-246487767489791108812851144171884519931213863639538682
25-3577799146106411327415389177012350225385271355321857484
36-40892910487121971518917652198562642328862308827224382714
41-451021112019140341744020348229672775832759350807861195749
46-50170191998523363274793536637282447595122255031126116152373
51-55202192379627925342464220346959563786056165242161810195187
56-60247252915734355421495226058994702617479280188204894248325
61-65277373306139144451695905764312768868424090174226545278044
66-704334751428611377682391922104894122082130832142436336153420076
71-755569469085823221033851237891354151642041786471844375435710551123
>756614588926106187133380152973165762210562219220226078549629700534
2Adults + 2 Children
18-24850110063117691438916555187922426125674275704567048920
25-35982711573134741663419133217162831631265331296239070006
36-401041112248142551758520269230463057332916349088140992841
41-4511769138691619419965230822631931950370713933688523107437
46-50197872295127193314253907541695500866009963915146908175279
51-55229882706431754383634747551790621236944174025182602218093
56-60277433271938532464035795863624765928442789625227755273741
61-65305173547843007485446422468142816949306498646247801302044
66-704556354041642018081195579111232128799137933149619352788438402
71-75596447280686703109033130392145941173576186289199608459333578196
>757076393388111455140143166128178488223175239997245063577707729390
Premiums are inclusive of taxes and No Claim Bonus Super.
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.

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