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Religare Care Freedom - Senior Citizen Health Insurance

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
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 customerfirst@religarehealthinsurance.com
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
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.