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) | |
Minimum | 91 days |
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 | 2 crore |
Minimum | 1 lakh |
Policy Term (years) | 1, 2, 3 Years |
Discount | 7.5% on selecting a 2 year policy term and 10% if a 3 year policy term is selected. |
No Claim Bonus | 50% 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 Up | Required 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 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 (Care 1 to Care 5) | |||||
Plan | Care 1 | Care 2 | Care 3 | Care 4 | Care 5 |
Sum Insured (R) | 1 lakh/1.5 lakh | 2 lakh/2.5 lakh | 3 lakh/3.5 lakh | 5 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 lakh | 15 lakh/20 lakh/25 lakh/30 lakh/40 lakh |
Cashless facility | available if treatment availed in empanelled hospitals | ||||
Reimbursement facility | available if treatment taken in a non-network hospital | ||||
Pre and Post Hospitalisation expenses | covered from 30 days before hospitalisation and 60 days post hospitalisation | ||||
Hospitalisation expenses | |||||
Room rent | Up to 1% of Sum Insured per day | Single Private Room | Single Private Room (upgradable to next level, only if Single Private Room is not available) | ||
ICU charges | Up to 2% of Sum Insured per day | No Sub-limit | |||
Day Care Treatment | covered | ||||
Daily Cash Benefit | Rs. 250 per day; Max. 5 days per hospitalization covered | Rs. 500 per day; Max. 5 days per hospitalization covered | Not Available | ||
Ambulance expenses | Up to Rs 1,000 per hospitalization | Up to Rs 1,500 per hospitalization | Up to Rs 1,500 per hospitalization | Up to Rs 2,000 per hospitalization | Up to Rs 2,500 per hospitalization |
Domiciliary hospitalisation | Not Covered | Up to 10% of Sum Insured if domiciliary hospitalisation exceeds 3 days | |||
Organ donor hospitalisation expenses | not covered | covered upto Rs 50,000 | covered upto Rs 50,000 | covered upto Rs 1 lakh | covered upto Rs 2 lakh |
Second opinion | Not Covered | provided in case of critical illnesses mentioned in policy document | |||
Annual Health Check up | allowed for every adult covered under the policy | ||||
Sum Insured reinstatement benefit | not allowed | available upto initial sum insured |
Scope Of Cover (Care 6 to Care 9) | ||||
Plan | Care 6 | Care 7 | Care 8 | Care 9 |
Sum Insured (R) | 50 lakh/60 lakh/75 lakh | 100 lakh/150 lakh/200 lakh | 3 lakh/3.5 lakh | 5 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 facility | available if treatment availed in empanelled hospitals | |||
Reimbursement facility | available if treatment taken in a non-network hospital | |||
Pre and Post Hospitalisation expenses | covered from 30 days before hospitalisation and 60 days post hospitalisation | |||
Hospitalisation Expenses | ||||
Room rent | Single Private Room (upgradable to next level, only if Single Private Room is not available) | Up to 1% of Sum Insured per day | ||
ICU charges | No Sub-limit | Up to 2% of Sum Insured per day | ||
Day Care Treatment | Covered | |||
Daily Cash Benefit | Not Available | Rs. 500 per day; Max. 5 days per hospitalization covered | Not available | |
Ambulance expenses | Up to Rs 3,000 per hospitalization | Up to Rs 5,000 per hospitalization | Up to Rs 1,500 per hospitalization | Up to Rs 2,000 per hospitalization |
Domiciliary hospitalisation | Up to 10% of Sum Insured if domiciliary hospitalisation exceeds 3 days | |||
Organ donor hospitalisation expenses | covered upto Rs 3 lakh | covered upto Rs 5 lakh | covered upto Rs 50,000 | covered upto Rs 1 lakh |
Second opinion | provided in case of critical illnesses mentioned in policy document | |||
Annual Health Check up | allowed for every adult covered under the policy | |||
Sum Insured reinstatement benefit | available upto initial sum insured |
Exclusions and Waiting period | |
Pre-existing diseases | covered after 4 years of continuous policy renewal |
No claim period | 30 days from the policy start date |
Waiting period | 24 months for specific illnesses namely, surgery on tonsils/ adenoids, cataract, Hernia Sinusitis, Varicose veins etc. |
Co-payment clause | 20% of claim amount for insured member(s) above 60 years of age. |
Other exclusions | Non allopathic treatment, Dental treatment, laser surgery, etc |
Annual Premium (including taxes) | ||||||||||||
Age (in years) | Sum Insured (in Rs) | |||||||||||
2 lakh | 3 lakh | 4 lakh | 5 lakh | 7 lakh | 10 lakh | 15 lakh | 20 lakh | 25 lakh | 50 lakh | 60 lakh | ||
1 Adult | ||||||||||||
05-24 | 2977 | 3598 | 4201 | 5111 | 5772 | 6423 | 8235 | 8737 | 9233 | 16132 | 17955 | |
25-35 | 4163 | 4899 | 5706 | 7126 | 7975 | 8896 | 12157 | 12759 | 13394 | 28885 | 31265 | |
36-40 | 4523 | 5325 | 6217 | 7751 | 8695 | 9720 | 13129 | 13798 | 14503 | 32096 | 38005 | |
41-45 | 5550 | 6551 | 7686 | 9551 | 10765 | 12086 | 15854 | 16673 | 17532 | 39702 | 49306 | |
46-50 | 9142 | 10768 | 12632 | 15820 | 18297 | 20512 | 24941 | 26340 | 27819 | 65686 | 81388 | |
51-55 | 10683 | 12598 | 14830 | 18596 | 21493 | 24170 | 29252 | 30969 | 32787 | 85212 | 104600 | |
56-60 | 13684 | 16168 | 19108 | 23972 | 27678 | 31243 | 37578 | 39897 | 41887 | 110206 | 135751 | |
61-65 | 16251 | 19243 | 22840 | 21214 | 33022 | 36559 | 44705 | 47613 | 49039 | 127831 | 159085 | |
66-70 | 23822 | 28229 | 33614 | 42142 | 48574 | 55231 | 65680 | 70133 | 74898 | 180207 | 227554 | |
71-75 | 30883 | 36585 | 43650 | 54731 | 63110 | 71909 | 85397 | 91354 | 146246 | 225605 | 287766 | |
>75 | 36992 | 47209 | 56436 | 70809 | 81699 | 92194 | 110656 | 118584 | 125491 | 286392 | 367897 | |
1Adult +1 Child | ||||||||||||
18-24 | 4462 | 5331 | 6110 | 7630 | 8755 | 9960 | 12905 | 13650 | 14686 | 25414 | 27441 | |
25-35 | 5435 | 6457 | 7579 | 9172 | 10768 | 12470 | 16305 | 17194 | 18315 | 37863 | 41158 | |
36-40 | 5742 | 6823 | 8023 | 9702 | 11187 | 13041 | 17200 | 18152 | 19254 | 44896 | 53780 | |
41-45 | 6586 | 7843 | 9255 | 11185 | 12942 | 14837 | 19625 | 20724 | 21992 | 48976 | 59674 | |
46-50 | 10535 | 12517 | 14799 | 18398 | 21688 | 24756 | 30001 | 31775 | 33818 | 78264 | 93649 | |
51-55 | 11813 | 14051 | 16660 | 20703 | 24421 | 27959 | 33639 | 35702 | 38077 | 95647 | 114180 | |
56-60 | 14775 | 17608 | 20959 | 26223 | 30956 | 35600 | 42326 | 45050 | 47763 | 120536 | 146600 | |
61-65 | 17286 | 20842 | 24925 | 30819 | 36416 | 41058 | 49354 | 52717 | 55875 | 139873 | 170989 | |
66-70 | 25262 | 30217 | 36280 | 44752 | 52940 | 62060 | 71251 | 76347 | 82236 | 193647 | 241557 | |
71-75 | 32577 | 38564 | 46402 | 57201 | 67745 | 79633 | 91056 | 97768 | 105526 | 239240 | 301892 | |
>75 | 40543 | 49902 | 60172 | 74176 | 87952 | 101571 | 118137 | 127093 | 137453 | 304617 | 387816 | |
1Adult + 2 Children | ||||||||||||
18-24 | 6350 | 7518 | 8876 | 10719 | 12217 | 13875 | 17955 | 19008 | 20863 | 34535 | 37831 | |
25-35 | 7250 | 8548 | 10148 | 12135 | 13861 | 16323 | 21119 | 22749 | 24668 | 47267 | 51499 | |
36-40 | 7738 | 9123 | 10843 | 12964 | 14825 | 17056 | 22532 | 23808 | 25791 | 57990 | 69485 | |
41-45 | 8589 | 10140 | 12085 | 14462 | 16579 | 18927 | 24985 | 26411 | 28055 | 62152 | 75310 | |
46-50 | 13304 | 15661 | 18705 | 23384 | 27099 | 30728 | 38400 | 40654 | 43247 | 99057 | 116555 | |
51-55 | 14582 | 17180 | 20566 | 25689 | 29805 | 33886 | 42039 | 44581 | 47506 | 116439 | 137086 | |
56-60 | 17325 | 20444 | 24554 | 30820 | 35824 | 40901 | 50100 | 53263 | 56487 | 139339 | 167340 | |
61-65 | 18678 | 22268 | 26863 | 33340 | 38842 | 44588 | 53724 | 57310 | 60757 | 149847 | 181174 | |
66-70 | 27103 | 33696 | 40346 | 48077 | 56148 | 65334 | 76919 | 82324 | 88564 | 207422 | 256311 | |
71-75 | 34220 | 44350 | 53094 | 63148 | 71718 | 83712 | 97976 | 105085 | 113294 | 256371 | 320768 | |
>75 | 44938 | 57839 | 69090 | 82241 | 92658 | 108473 | 127592 | 135773 | 146696 | 325012 | 410787 | |
2Adults + 1 Child | ||||||||||||
18-24 | 6487 | 7674 | 8979 | 11088 | 12851 | 14417 | 18845 | 19931 | 21386 | 36395 | 38682 | |
25-35 | 7779 | 9146 | 10641 | 13274 | 15389 | 17701 | 23502 | 25385 | 27135 | 53218 | 57484 | |
36-40 | 8929 | 10487 | 12197 | 15189 | 17652 | 19856 | 26423 | 28862 | 30882 | 72243 | 82714 | |
41-45 | 10211 | 12019 | 14034 | 17440 | 20348 | 22967 | 27758 | 32759 | 35080 | 78611 | 95749 | |
46-50 | 17019 | 19985 | 23363 | 27479 | 35366 | 37282 | 44759 | 51222 | 55031 | 126116 | 152373 | |
51-55 | 20219 | 23796 | 27925 | 34246 | 42203 | 46959 | 56378 | 60561 | 65242 | 161810 | 195187 | |
56-60 | 24725 | 29157 | 34355 | 42149 | 52260 | 58994 | 70261 | 74792 | 80188 | 204894 | 248325 | |
61-65 | 27737 | 33061 | 39144 | 45169 | 59057 | 64312 | 76886 | 84240 | 90174 | 226545 | 278044 | |
66-70 | 43347 | 51428 | 61137 | 76823 | 91922 | 104894 | 122082 | 130832 | 142436 | 336153 | 420076 | |
71-75 | 55694 | 69085 | 82322 | 103385 | 123789 | 135415 | 164204 | 178647 | 1844375 | 435710 | 551123 | |
>75 | 66145 | 88926 | 106187 | 133380 | 152973 | 165762 | 210562 | 219220 | 226078 | 549629 | 700534 | |
2Adults + 2 Children | ||||||||||||
18-24 | 8501 | 10063 | 11769 | 14389 | 16555 | 18792 | 24261 | 25674 | 27570 | 45670 | 48920 | |
25-35 | 9827 | 11573 | 13474 | 16634 | 19133 | 21716 | 28316 | 31265 | 33129 | 62390 | 70006 | |
36-40 | 10411 | 12248 | 14255 | 17585 | 20269 | 23046 | 30573 | 32916 | 34908 | 81409 | 92841 | |
41-45 | 11769 | 13869 | 16194 | 19965 | 23082 | 26319 | 31950 | 37071 | 39336 | 88523 | 107437 | |
46-50 | 19787 | 22951 | 27193 | 31425 | 39075 | 41695 | 50086 | 60099 | 63915 | 146908 | 175279 | |
51-55 | 22988 | 27064 | 31754 | 38363 | 47475 | 51790 | 62123 | 69441 | 74025 | 182602 | 218093 | |
56-60 | 27743 | 32719 | 38532 | 46403 | 57958 | 63624 | 76592 | 84427 | 89625 | 227755 | 273741 | |
61-65 | 30517 | 35478 | 43007 | 48544 | 64224 | 68142 | 81694 | 93064 | 98646 | 247801 | 302044 | |
66-70 | 45563 | 54041 | 64201 | 80811 | 95579 | 111232 | 128799 | 137933 | 149619 | 352788 | 438402 | |
71-75 | 59644 | 72806 | 86703 | 109033 | 130392 | 145941 | 173576 | 186289 | 199608 | 459333 | 578196 | |
>75 | 70763 | 93388 | 111455 | 140143 | 166128 | 178488 | 223175 | 239997 | 245063 | 577707 | 729390 | |
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. |