Religare Care - Comprehensive Health Insurance Plan

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.

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

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	Not Covered		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)
Age (in years)	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.

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.

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.

Suited for

What does it do?

Pros

Cons

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

Cost Details