Religare – The most trusted health insurance brand in India with unmatched benefits. With Religare Health Insurance plans, you can live a healthy life without having to worry about any unforeseen medical issues. Religare Health Insurance plans helps safeguard you & your family against financial risks arising out of a medical emergency. With 'Care' by your side you can be assured that while you're unwell; leave all the hassles related to your treatment to Religare so that you can stay worry free and focus only on your recovery.
Why should you buy Religare Health Insurance Plans:
- With Religare, you get following Key USPs which are not available anywhere else.
- Annual Health Check-up for all members covered under the policy.
- Up to 150% No Claim Bonus with NCB Super.
- Unique Unlimited Automatic recharge.
- Care anywhere – Global Cover for 12 Critical Illnesses.
- Care is available with different riders, hence ability to fit your needs.
From Diagnosis to Recovery – Religare Health Insurance Plans covers at every step!
As we know that the meter doesn't start from hospitalization but from the time of diagnosis and goes on even post discharge. Religare health insurance plans stand with you throughout the journey and not just for an event.
30 Day Pre-Hospitalization Coverage
The procedures that you undergo before getting hospitalized finally lead you to a hospital, such as investigative tests and routine medication, can be quite financially draining. Religare health insurance plans cover the medical expenses incurred by you up to 30 days before your hospitalization.
It's a utmost concern that you get the medical attention, you require as soon as possible, especially in an emergency. Which is why, the reimburse expenses incurred by you while availing a domestic road ambulance during your hospitalization is also covered by Religare health insurance plans. Not just this, some plans of also offers coverage for availing an Air Ambulance if suggested by a doctor.
Hospitalization for at least 24 hours
From room charges to nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, all are covered by Religare health insurance plans, If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.
Hospitalization less than 24 Hours
Religare health insurance plans cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact they cover over 540+ day care procedures.
Reimbursement of every expense occurred while you're staying in single or private room are covered by Religare health insurance plans. You can also upgrade your room should there be a need to and is recommended by a treating doctor.
In time of an emergency your focus should be only on your recovery. Hence Religare health insurance plans take care of those ICU charges that come in your way of getting a quality treatment.
60-Day Post – Hospitalization Coverage
Expenses don't end once you're discharged which is why even Religare don't rest unless you're completely ready to take all the challenges of life head on. Reimbursement is available for the expenses such as doctor consultations, Diagnostic tests, medications etc that you incur up to 60 days post your hospitalization.
In case of an emergency or a medical condition that does not allow you to get admitted in a hospital, Religare health insurance plans provide coverage for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days. So nothing should delay the treatment you deserve.
Annual Health Check-up
Religare believe in the old adage that an ounce of prevention is better than a pound of cure. This is why Religare health insurance plans give an Annual Health Check-up for yourself and all members covered by your policy, including children.
Automatic Recharge of Sum Insured
Keep your worries regarding medical expenses outside the door with Automatic Recharge of Sum insured. If you ever run out of your health cover due to claims made, you can reset the entire Sum Insured amount of your policy. This additional amount can be used by you for any other ailment or by any other insured member for treatment of any ailment.
Religare raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 10%, up to a maximum of 50% in consecutive 5 years.
Organ Donor Cover
Religare care about those who help you as much as they care for you. So, beyond ensuring that your medical needs are met, Religare health insurance plans will reimburse you for medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.
Reassurance of Second Opinion
Sometimes reassurance works better than the cure itself. Which is why if, at any moment you feel uncertain about your diagnosis, you can opt for a second opinion at no extra cost specially arranged by Religare.
No Upper Age Limit of Enrollment
All Religare health insurance plans including 'care', come with no upper age limit of enrollment i.e. even if a person is 100 years old, they can definitely apply.
Religare don't leave you in between the journey and gives you the option of lifelong renewability i.e. once enrolled an individual can continue to stay covered throughout one's life, provided they renew their policy on time every year.
Even alternate treatments are covered
We know that sometimes non-allopathic treatments may prove to be more effective. Whether it is Ayurveda, Unani, Sidha or Homeopathy, choose the treatment that suits you and Religare health insurance plans will cover it up to a specified limit and varies according to the plan chosen.
Sample Religare Health insurance Plans are shown below for your better understanding:
|Features/ Plan (SI)||Care 4 (5,7,10 Lacs)|
|Care 5 (15,20,25,30,40 Lacs)|
|In patient hospitalization||Upto Sum Insured||Upto Sum Insured|
|Pre-hospitalization||30 days||30 days|
|Post-hospitalization||60 days||60 days|
|Day Care Treatments||Yes||Yes|
|Room Rent||Single Private Room||Single Private Room|
(upgradable to next level)
|ICU charges||No Sub-Limit||No Limit|
|Ambulance Cover||Rs.2,000/ hospitalization||Rs.2,500/ hospitalization|
|Domicilliary hospitalization||Upto 10% of SI||Upto 10% of SI|
|Health Check-up||Yes, all members||Yes, all members|
|Recharge of SI||Yes||Yes|
|No Claim Bonus||Yes||Yes|
|Organ Donor Cover||Rs.100,000||Rs.200,000|
|Alternative Treatments||Upto Rs.20,000||Upto Rs.30,000|
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