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Religare Enhance - Super Top-up Insurance

Objective

The policy is designed to to provide a higher Sum Insured at a reduced cost.

Our View

A super top-up insurance plan with a wide and flexible range of deductibles and sum insured options.

Suited for

The policy is suited for anyonewho wants to increase the health cover without paying a huge premium.

What does it do?

A super top-up health insurance plan which covers unforeseen hospitalisation expenses on an individual or floater basis.

Pros

No limit on ICU charges and doctor fees.

Covers Organ Donor expenses.

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

Cons

Does not cover ambulance expenses.

Does not cover Domiciliary Hospitalisation.

Eligibility

Entry Age (years)

Minimum
18; 5 for children
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
20 lakh
Maximum
55 lakh
Minimum
1 lakh
Minimum
50000
Policy Term (years)
1, 2, 3

Deductible (Rs)

Minimum
50000
Maximum
20 lakh
Discount
7.5% on selecting a 2 year policy term and 10% on selecting a 3 year policy term.
Pre Policy Medical Check Up
Not required only if the Sum Insured is Up to 5 lakh and the age of the insured is less than 46 years. Required in all other cases.
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
PlanEnhance 1Enhance 2
Sum Insured1 lakh to 30 lakh (in multiples of 1 lakh)45 Lakh; 55 Lakh/40 Lakh; 50 Lakh/35 Lakh; 45 Lakh/30 lakh; 40 lakh
Deductible50,000/1 Lakh-10 Lakh (in multiples of 1 lakh)5 Lakh/10 lakh/15 lakh/20 lakh
Cashless facilityavailable if treatment availed in empanelled hospitals
Reimbursement facilityavailable if treatment taken in non-network hospitals
Pre and Post Hospitalisation expensescovered from 30 days before hospitalisation and 60 days post hospitalisation
Room rentSingle private room with ACSingle private room with AC, upgradable to next
ICU ChargesCovered without any limit
In-Patient HospitalisationCoveredCovered
Day Care TreatmentCoveredCovered
Ambulance expensesNot covered
Organ Donor ExpensesCoveredCovered
Health Check-upCoveredCovered
Exclusions and Waiting period
Pre-existing diseasescovered after 48 months of continuous policy renewal
No claim period30 days from the policy start date
Waiting period24 months for specific illnesses namely, Arthritis, Benign ENT, surgery, cataract, Hernia,Varicose veins, ulcers, etc.
Co-payment clause20% (Applicable where age of eldest member at entry is 61 years or above)
Other exclusionsNon-Allopathic treatment, Dental treatment, Weight control program, Pshyciatric & Psychosomatic disorders, etc

Cost Details

Annual Premium (including taxes)
Sum InsuredDeductible05-1718-2425-3536-4041-4546-5051-5556-6061-6566-70>70
1 Adult
200000100000186119713253443048817795905911236205582228524532
400000200000196420083264429044337191828110160182921996221623
60000030000017911818293937633890704279629542162541773719679
80000040000017851812292837443869700779179481161291759619520
100000050000017921819294037653892704579669548162651774919693
1 Adult + 1 Child
200000100000--383151146291674296561092013097224192414624146
400000200000--397252286254639791551024412124202562192621926
600000300000--36104731555556828833975311334180461952819528
800000400000--35974713552956548792970211267179141938119381
1000000500000--36114732555756848837975811340180571954119541
1 Adult + 2 Children
200000100000--4421570468817332102461024611510230092473624736
400000200000--45625818684469879745974510834208462251624177
600000300000--42005321614562729423942310343186362011822061
800000400000--41875303611962449382938210292185041997121895
1000000500000--42015322614762749427942710348186472013122075
2 Adults + 1 Child
200000100000--5211630183929775126361618719112288863827741656
400000200000--5378644683859378118441511417639261483448037311
600000300000--4882583574898297110841554516670237193068433595
800000400000--4865581474568256110301447116574235543045133333
1000000500000--4884583774918300110881455116678237333070433617
2 Adults + 2 Children
200000100000--58016891898210365132261677719702294763886738867
400000200000--5968703689759968124341570418229267383507035070
600000300000--5472642580798887116741513517260243093127431274
800000400000--5455640480468846116201506117164241443104131041
1000000500000--54746427808188901167815114117268243233129431294
Premiums are inclusive of taxes and cess.
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.