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Religare Care - Comprehensive Health Insurance Plan

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
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 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 (Care 1 to Care 5)
PlanCare 1Care 2Care 3Care 4Care 5
Sum Insured (Rs)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 (Rs)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