Health Insurance

Best Health Insurance in India

We believe in complete 'Care' for you & your family

With Religare Health Insurance plan's comprehensive coverage, speedy claim settlements and much more, you can be rest assured you will be worry-free 'hamesha' and get industry's best features.


‘Care’ - Health Insurance Policy has unique features like -

• Cashless treatment at 4000+ hospitals & Daily allowance
• Auto recharge of your policy Sum Insured, if exhausted
• Get health check-ups for insured members, every year
• Avail treatment anywhere in the world
• Day care procedures also covered - 170
• No 'Claim based' loading ever & Get Lifetime renewability
• No paperwork. Buy & get policy online in 2 mins

Care - Health insurance policy comes with a wide range of benefits for you. Kindly refer to the below table.

 

Plan Options
Features (Sum Insured )	3 Lac, 4 Lac	5 Lac, 7 Lac, 10 Lac	15 Lac, 20 Lac, 25 Lac	50 Lac, 60 Lac
Pre-hospitalisation	30 days	30 days	30 days	30 days
Post-hospitalisation	60 days	60 days	60 days	60 days
Day Care Treatments	Yes	Yes	Yes	Yes
Room Rent	1% of SI per day	Single Private Room	Single Private Room Upgradable to Next Level	Single Private Room Upgradable to Next Level
ICU Charges	2% of SI per day	No Limit	No Limit	No Limit
Doctor's Fee etc.	No Limit	No Limit	No Limit	No Limit
Other Medical Charges	No Limit	No Limit	No Limit	No Limit
Daily Allowance	500 per day upto 5 days	-	-	-
Ambulance Cover	1,500 per claim	2,000 per claim	2,500 per claim	3,000 per claim
Domiciliary hospitalisation	Up to 10% of SI	Up to 10% of SI	Up to 10% of SI	Up to 10% of SI
Organ Donor Cover	50,000	1,00,000	2,00,000	3,00,000
Annual Health Check-up	Yes	Yes	Yes	Yes
Second Opinion	-	Yes	Yes	Yes
No Claim Bonus	Yes	Yes	Yes	Yes
Auto-Recharge of Sum Insured	Yes	Yes	Yes	Yes
Care Anywhere	-	-	-	Yes

Policy Terms
Minimum entry age	91 days
Maximum age	No age bar
Renewal	Lifelong Renewability. The Policy can be renewed under the then prevailing  Health Insurance Product or its nearest substitute approved by IRDA.
Renewal premium	Premium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.
Co-payment	No Co-payment in policy Sum Insured 3/4 Lacs, for any age.  No Co-payment in policy Sum Insured > 4 lacs ever, if insured with us before age of 61. If above 61 while getting insured with us 1st time, - you will have to pay 20% of the claim amount under the policy, if any. We pay the rest.
Waiting period	30 days for any illness except injury
Waiting period for pre-existing illnesses	Four years of continuous coverage
Change in sum insured	You can enhance your sum insured under the policy only upon renewal
Grace period	30 days from the date of expiry to renew the policy

For more details, kindly refer to our health insurance Policy's terms & conditions.

 

The standard policy exclusions are - 

• Any pre-existing illness.
• Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
• Medical expenses incurred for treatment of AIDS
• Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
• Congenital disease
• Tests and treatment relating to infertility and in vitro fertilization.
• War, riot, strike, nuclear weapons induced hospitalization.

For more details, kindly refer to our health insurance policy's detailed exclusion list.