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  • Religare Health Insurance

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Religare Health Insurance Company Limited is a standalone health insurance provider which comprise three entities: Religare Enterprises Limited, a leading diversified financial services group based out of India, Union Bank of India & Corporation Bank. Religare Health Insurance offers health insurance and other products.

    Health insurance has become a necessity with the rising costs of healthcare services and lifestyle diseases. Religare Health Insurance Company Limited, considered to be one of the top health insurance providers in India provides a wide range of health insurance products. From healthcare delivery to preventive health solutions, the insurer has a unique business presence in the health insurance market due to its robust distribution channels. Religare Enterprises Ltd, Union Bank of India, and Corporation Bank are the shareholders of Religare Health Insurance Company Limited.


    Religare Health Insurance at a Glance

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    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 6 family members with up to 2 adults

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Medical expenses covered for 30 days before your hospitalization and 60 days for post hospitalization for related medical expenses

    The next best thing to having a doc in the family

    Health Check-ups

    Annual health check-ups for insured members

    * For a family health cover product.

    Critical Factors of the Plan

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    Not a paisa goes from your own pocket!

    Co-Pay

    No Co-Pay, so you don?t have to pay a fixed percentage of the hospital bill. Over 61yrs being insured by Religare for the first time have to pay 20% of the claim amount.

    You?re covered for any future medical expenses

    Life long renewable

    Plans are lifelong renewable and covers you for your entire lifetime.

    Get essential cover for existing ailments

    Pre-existing Diseases

    Any pre-existing condition will be covered after a waiting period of 4 years of continues coverage.

    Hospital room rent determines your treatment bill

    Room Rent

    A cap of 1% of the cover amount per day as room rent for policies with coverage of Rs 3 to 4 lakhs. For covers of over Rs 5 lakhs, claim single private room rent.

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Additional Features of Religare Health Insurance

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    Good health offers multiple rewards

    No-claim bonus: 50% to 150% based on NCBS

    The world is your healthcare oyster

    Avail treatment anywhere in the world

    So you have time to focus on more important stuff

    Auto recharge of policy sum insured, if exhausted

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.

    Religare Health Insurance Highlights Updated on 20 Oct 2017

    Features Specifications
    Network Hospitals 4500+
    Waiting Period for Pre-existing Disease 4 years
    Incurred Claims Ratio 57.25%
    Number of Policies Issued 222607
    Grievances Solved 98.94%
    Renewability Lifetime

    *For Year 2015-2016

    Overview

    Religare Health Insurance Co. Ltd. is a stand-alone, Indian, health insurance company founded by Religare Enterprises Ltd. (REL), Union Bank of India and Corporation Bank.

    REL is a financial services company providing solutions in the realms of insurance, investment and wealth management, lending and stock-broking. Headquartered in Delhi, this company benefits from the market knowledge of its promoters who are the founders of Fortis Hospitals (a highly reputed health care institution in the Indian health space).

    Union Bank of India and Corporation Bank are both important, highly-networked public-sector institutions providing banking services to clients across different economic classes and geographical locations.

    Religare Health Insurance Co. Ltd. brings to the Indian masses a number of interesting insurance solutions that provide for an individual’s personal as well as familial protection needs. The company deals primarily in life and health insurance.


    Religare Health Insurance Plans

    How To Apply Religare Health Insurance Online?


    Policies forming a part of the company’s health insurance product portfolio are listed below:

    1. Care
    2. Enhance
    3. Assure
    4. Secure
    5. Joy
    6. Care Freedom

    The main features to be considered in each of these policies are highlighted below:

    • Care

    • This is a basic health insurance plan that offers the policyholder an affordable way to meet health care costs. It provides a lifetime cover for individuals and their families.


      Entry Age 91 days upwards; no maximum entry age.
      Policy Period 1 yr.
      Renewability Lifetime
      Medical Screening Individual or Family Floater
      Basis Individual or Family Floater
      Sum Assured Rs.3, 4, 5, 7, 10, 15, 20, 25, 50 or 60 lakhs
      (Chosen coverage can be enhance at renewal)

      No-claim Bonus: 50% to 150% ( Available with No Claim Bonus:- SUPER) increase in chosen sum assured for every claim-free year; awarded at renewal.
      Co-payment 20% Applicable on coverage option > 4 lakhs for entrants over 61 yrs
      Coverage - Inpatient hospitalisation expenses:
      Room charges: Up to 1% of sum assured or single private room charges depending on the chosen coverage;
      ICU costs: Up to 2% of sum assured or actuals depending on the chosen coverage;
      Medical Professional’s fees and other medical treatment costs: On actuals
      - Pre/Post-hospitalisation: Up to 30 / 60 days respectively
      - 170 day care procedures
      - Daily Cash Allowance (up to 5 days): Rs.500 depending on the chosen coverage - Ambulance costs:
      Rs.1,500 to Rs.3,000 per hospitalisation depending on the chosen coverage
      - Domiciliary hospitalisation: up to 10% of the chosen sum assured - Donor’s hospitalisation expenses:
      Rs.50,000 to Rs.3 lakhs depending on the chosen coverage
      - Yearly medical-check costs
      - Consultation costs for a second opinion depending on the chosen coverage
      - Pre-existing diseases: after a 4 yr. waiting period
      Benefits - Recharge of sum assured
      - Covers treatment globally
    • Enhance

    • This serves as a top-up policy to a basic health plan. Coverage under a basic health policy may not be adequate and a holder may not wish to take on a new policy to supplement his requirement. In this case, a top-up allows customers the option of enhancing protection without adversely affecting his/her personal finances.


      Entry Age 1 day upwards; no maximum entry age
      Renewability Lifetime
      Medical Screening Required for entrants over 45 yrs. for coverage options of Rs.15 lakhs and above.
      Basis Individual or Floater
      Sum Assured Enhance 1: Rs.1 lakh to Rs.25 lakhs
      Enhance 2: Rs.6 lakhs to Rs.30 lakhs
      (chosen sum assured can be enhanced on renewal)

      Sum assured is arrived as a multiple of the chosen deductible.
      Deductible Enhance 1: Rs.1, 2, 3, 4 or 5 lakhs
      Enhance 2: Rs. 6, 7, 8, 9 or 10 lakhs
      Co-payment 20% on coverage of Rs.5 lakhs and above for entrants over 61 yrs.
      Premium Loading - 15%, 30% or 50% based on underwriting.
      Group discount: 5% to 20% depending on number of members.
      Coverage - Inpatient hospitalisation expenses: Up to chosen sum assured
      Room costs: For a single private room;
      ICU, Doctor’s charges etc.: On actuals
      - Organ Donor Hospitalisation Expenses: Up to chosen sum assured
      - Pre/Post-hospitalisation expenses: Up to 30/60 days respectively
      - 170 day care procedures
      - Pre-existing diseases: After a 4 yr. waiting period
      - Health-checks
      - Expert opinion
      Benefits - Covers treatment globally - Option to convert to Comprehensive Health Insurance Plan, which doesn’t feature deductibles, after 4 successive yrs. of coverage
    • Assure

    • Another variant of the health insurance plans on offer, this provides additional coverage targeting events generally excluded under basic plans i.e. Critical Illnesses. Treatment of these ailments can prove to be very expensive, going beyond the amounts due under a regular health policy.


      Entry Age 18 yrs. to 65 yrs.
      Renewability Lifetime
      Coverage Lump sum payment on diagnosis/surgery irrespective of actual costs.
      - 20 Critical Illnesses:
      Cancer, Renal Failure, MS, Benign Brain Tumor, Motor Neuron DIsorder, Terminal Lung Disease, Major
      Organ Transplant, Heart Valve Replacement, CABG, Stroke, Paralysis, Myocardial Infarction,
      Severe Burns, Coma, Blindness, Terminal Liver Disease, Bacterial Meningitis, Aplastic Anemia. The below are covered only until 50 yrs. of age.
      Parkinson’s Disease, Alzheimer’s Disease
      - Annual health-checks
      - Consultation for a second opinion
      Add-on Covers In-built Accidental Death Cover:
      Lump sum payment in case of Death or Total Permanent Disablement resulting from an accident.
      Benefits Child Education: Lump sum payment 10% of chosen sum assured; age of child limited to 24 yrs.
    • Secure

    • Injury or ailments can arise due to accidental fallouts, in which case, the proposer or his/her family can run into a financial crisis. To provide protection to insured members in case of death or permanent disability caused by an accident, the company offers this plan, made affordable through a variety of coverage options.


      Entry Age 91 days to 70 yrs.; 24 yrs. for children
      Renewability Lifetime
      Sum Assured Rs.15, 20, 25, 30 or 50 lakhs or Rs.1, 2 or 3 crores up to Rs.25 crores
      Coverage - Accidental Death: Chosen sum assured
      - Permanent Disablement (Total/Partial)
      - Fractures: Rs.1 lakh to Rs.3 lakhs depending on chosen coverage
      - Child Education: 10% of the chosen sum assured
      - Major Diagnostic Tests: Rs.15,000 to Rs.50,000
      - Disappearance (min.1 yr.): Chosen sum assured
      - Mobility Cover: Rs.15,000 to Rs.50,000 depending on chosen coverage
      - Burns: Rs.10 lakhs to Rs.25 lakhs depending on chosen coverage
      - Daily Cash Allowance: Rs.500 (max. 5 days)
      - Compassionate Visit - Rs.15,000 to Rs.50,000
      - The following are covered only under coverage options of Rs.50 lakhs and above:
      Ambulance costs: Up to Rs.5,000
      Nursing Care: Rs.1,000 to Rs.1,500 per day (max.15 days) depending on chosen coverage
      Reconstructive Surgery: Rs.10 lakhs to Rs.20 lakhs depending on chosen coverage
      Repatriation of Mortal Remains: Rs.2% of chosen sum assured up to Rs.1 lakh.
      Benefits Child Education in case of Death/Permanent Disablement
    • Joy

    • A comprehensive health insurance package that targets pregnant women - giving them a shield against hospitalization expenses through pregnancy and also, addressing the varied maternity and health related expenditures through this delicate duration. This policy also has the new-born covered, from birth till the baby is 90 days old.

      Minimum Entry Age
      Maximum Entry Age
      Adult- 18 years, Child- 1 day, New Born Baby- 1 day
      Adult- 65 years, Child- 24 years, New Born Baby- 90 days
      Policy Period 3 years
      Renewability Lifetime
      Sum Assured Rs. 3 lakhs to 5 lakhs
      Cover Type Individual or Family Floater
      Co-Payment 20% of the claim amount per the policy, for entrants over the age of
      61. The rest will be paid by the company.
      Waiting Period 30 days for any illness (except accidents).
      9 months waiting for maternity for Joy Today.
      24 months waiting period for maternity claims under Joy Tomorrow.
      2 years for specific treatments/illness.
      4 years in cases of pre-existing diseases.
      30 days duration from policy expiry to renewal.
      Benefits Avail cashless hospitalization at 4100+ network hospitals across India. Access combined benefits of hospitalization and maternity insurance. Just 9 Months waiting period for maternity claims. Enjoy 100% increment in sum insured with ‘No-Claim’ bonus. Comprehensive cover for new-born baby. Tax benefits & free look period of 15 days.
      Exclusions Diagnosis of any pre-existing ailment or injury that was diagnosed or
      contracted around 48hours before the issue of the policy, non-
      allopathic treatment, expenses arising from self-inflicted injury,
      attempted suicide, alcohol or drug use, AIDS, congenital diseases,
      diseases contracted within the first month of the start of the policy
      (except accidents), treatments relating to infertility and in-vitro
      fertilisation, cost of spectacles/contact lenses, dental treatment etc.
    • Care Freedom

      A health insurance policy that focuses on letting you live your life the way you see fit, by minimizing the greatest worries people have – about health and wealth. Religare Health Freedom does not require any health check-ups or medical tests, and the waiting period for pre-existing diseases is just 2 years. There is no maximum entry age, and there are discounts on premiums for longer policy terms. The plan also has lifetime renewability. This policy offers excellent coverage for a wide range of medical conditions, in addition to pre and post hospitalization care, ambulance charges reimbursement and other reimbursements for non-medical related expenses. With three tenure options, three additional coverage options and the option of covering up to 6 people under the same policy, the Religare Care Freedom plan truly puts all your worries at rest.

      Entry Age

      Minimum: 90 Days for children and 18 years for adults

      Renewability

      Lifelong

      Sum Assured

      Rs. 3 Lakhs and Rs. 5 lakhs

      Coverage

      • Covers 170 day care procedures

      • Pre and post hospitalisation expenses

      • Ambulance charges

      • Domiciliary treatment

      • Room charges

      • Nursing charges

      • ICU charges

      Benefits

      • Tax benefits on premiums paid under section 80D

      • Annual check-ups for all adults covered by the plan

      • Recharge of sum assured without paying extra premiums

      • Can be taken as a family floater or an individual plan

    Plans should be studied in totality i.e. apart from the key points of consideration mentioned above, the terms and conditions and exclusions should also be perused. The key outcome of insurance should always be protection for which coverage should be adequate.

     Why buy Religare Health Insurance policy?

    Here are some reasons why customers prefer Religare Health Insurance:

    • Network hospital: Insured members can avail cashless hospitalisation at more than 5420 network hospitals across India.
    • Claim process: There is no third-party involvement in claim process. Claim requests will be attended to by Religare Health Insurance directly.
    • Health insurance products: Religare Health Insurance offers a wide range of products to cater to the varying needs of the customers.
    • Preventive healthcare: The insurer offers cover for preventive healthcare treatments such as annual health checkup and diagnostic tests.
    • Excellence in healthcare: Promoters of Religare Health Insurance are also the founders of SRL Diagnostics, Religare Wellness, and Fortis Hospitals, leading wellness and pharmacy retailers.

    Key benefits and features of Religare Health Insurance plans

    • Sum Insured: Religare Health Insurance offers health cover with a sum insured of up to Rs.6 crore.
    • Renewal: Health insurance policies from Religare Health Insurance come with a lifelong renewability option.
    • Cashless hospitalisation: Insured members can avail cashless hospitalisation at more than 5420 network hospitals.
    • Restore benefit: Sum insured will be automatically recharged at no extra cost if the claim amount exhausts your insurance coverage.
    • No-Claim Bonus: For every claim-free year up to 150% increase in sum insured with No Claim Bonus.
    • Health checkup: Insured members can avail super annual health check-up regardless of their claim history.
    • Medical examination: No pre-policy medical test required for sum insured less than Rs.25 lakh, till 50 years of age.
    • Claim process: Religare Health Insurance doesn’t deal with a third-party. The company has a hassle-free direct claim settlement process.
    • Global healthcare treatment: With an add-on cover offered by Religare Health Insurance, insured members can receive global healthcare treatment from any of the network hospitals in the world.
    • Premium payment: No paperwork needed to make premium payments to purchase or renew a health insurance policy as it can be done online through the company website.
    • Insurance coverage: Pre and post-hospitalisation expenses covered, no sub-limit on vital expenses, and no co-payment up to 60 years of age.

    Religare Health Insurance customer care

    Religare Health Insurance has a dedicated Helpdesk to resolve customer queries on its official website. Visit the website and click on 'Helpdesk' tab which on the top right corner of the page. The following customer service tools can be found under Helpdesk:

    • Customer Support: To give feedback, make a request or register a complaint, click on the Customer Support link and fill in the online form with your policy number and contact details. Queries can be regarding your policy, claim, refund, service, etc. The customer support centre of Religare Health Insurance is dedicated to making the process engaging for its customers.
    • Contact us: For any policy-related queries, contact the company's toll-free number 1800-200-4488 or send an email to customerfirst@religarehealthinsurance.com.
    • Branch Locator: Religare Health Insurance branch offices are located across India. The nearest branch office can be located by selecting a state and city from the drop-down box.
    • e-policy: Policyholders can view their e-policy and tax receipt by providing their policy number and date of birth.
    • Hospital Locator: There are over 5420 network hospitals across India. You can use the Hospital Locator tool to check out the list of network hospitals in a particular location by selecting the state and city from the dropdown box. The address, phone number, and list of doctors working at the hospital will be displayed on screen. You can send an email or SMS to the hospital through the insurer's website regarding an appointment.
    • Claim Search: For reimbursement claims, payments are made through online bank transfers for which a cancelled cheque, claim form, and supporting documents have to be submitted by the policyholder to the insurer. Claim forms can be downloaded from the company website.
    • Grievance Redressal: For any grievances with the insurer, call 1860 500 4488/1800 200 4488, email to customerfirst@religarehealthinsurance.com or write to Customer Service, Religare Health Insurance Company Limited, Vipul Tech Square, Tower C, 3rd Floor,Sector - 43, Golf Course Road, Gurgaon - 122009.

    Religare Health Insurance renewal

    To provide a continuous comprehensive health insurance coverage for you and your family, renew your policy on time. Religare Health Insurance renewal can be done online through the company website. Renewal premium payment can also be done online using net banking, credit card or debit card. Click on the 'Renew' tab available on the top right-hand corner of the page. Enter your policy number and date of birth to initiate the renewal process.

    Religare Health Insurance premium calculator

    The online insurance premium calculator available on the Religare Health Insurance website can be used to calculate the monthly premium and gross premium including tax for the chosen policy. Here is how Religare Health Insurance premium calculator works:

    • Enter the number of members to be insured (number of adults and children in the case of a floater plan).
    • Provide your contact details such as phone number and email ID.
    • Enter the sum insured amount and policy term in years.
    • Click on calculate and the total premium will be displayed onscreen.

    Religare Health Insurance premium calculator is simple and easy to use. Knowing the insurance premium of a policy can help you choose a suitable health insurance plan.

    *GST and other charges are to be factored in wherever applicable.

    Find cashless network hospitals nearby: RELIGARE Cashless Network Hospitals

    Religare Health Insurance FAQs

    1. What are the benefits of buying health insurance?
    2. With the help of health insurance, you can enjoy a number of benefits such as nursing care, surgeries, consultation fees, cashless hospitalization for more than 24 hours, consultation fees, diagnostic tests, hospital accommodation etc. Your health insurance provider will pay off the coast incurred in your entire treatment procedure.

    3. What is a network hospital?
    4. A network hospital is a hospital with which your health insurance provider has tie up. In a network hospital, you can enjoy cashless treatment. Religare Health Insurance has tie up with many leading hospitals where you can enjoy cashless hospitalization.


    5. What is a health card?
    6. It is a kind of identity card that your health insurance provider gives you. You need to show this card at the network hospital to get the benefits of health insurance policy.

    7. What is the meaning of cashless hospitalization? Does Religare Health Insurance provide it?
    8. Cashless hospitalization is a benefit you get from your health insurance provider under which your insurance company will pay for your hospitalization cost. Yes, Religare Health Insurance does provide cashless hospitalization.

    9. What is the meaning of a premium?
    10. A premium is the total amount of money you pay to your health insurance provider in return for the services it provides.

    11. What do you mean by a family floater plan?
    12. A family floater plan refers to a health insurance policy that includes your entire family under it. It is a customised policy to meet the health needs of your family.

    13. How is the customer service at Religare Health Insurance?
    14. Religare provides 24/7 customer support. You can call them at any time for any of your queries.

    15. Can I correct the relationship in my policy document?
    16. Yes, you can correct or rectify the relationship in your policy. Religare will do it after proper verification. However, it is subject to your declaration of relationship at the time of buying the policy.

    17. Is it possible to increase or reduce the sum insured in the policy?
    18. It is not possible to reduce or increase the sum insured in the main policy during the tenure of the policy. However, you can do it at the time of renewal. It is subject to terms and conditions of the policy.

    19. Can I add and remove family members in my current policy?
    20. You can add and remove family members at the time of renewal of your policy, but not during the tenure of your policy. However, you can buy separate policy for separate members of your family.

    21. Can I change my date of birth, if it gets written incorrectly in the policy document?
    22. Change in your DOB may affect your premium. For further details, you need to contact the nearest branch of Religare Health Insurance.

    23. What are the formalities do I need to do get a claim?
    24. In order to enjoy a hassle-free completion of your claim settlement formalities, you can contact Religare’s customer help desk. Also, you can visit its 'Claims' webpage to know more about your particular insurance cover.

    25. What are the benefits of a health card?

      Health Card has to be displayed at the time of admission at a network hospital to avail cashless hospitalisation. This ID card has the contact details of the Third-Party Administrator in the case of a medical emergency, you can call the given number for assistance with cashless hospitalisation claims.

    26. Can I revise the relationship in my plan?

      Revising relationship in a policy document is subject to verification of details with the proposal form at the time of purchasing the policy. Call the insurer's toll-free number 1800 200 4488 with your policy details or visit the nearest branch office to rectify the relationship in your policy document.

    27. Can I change my DOB and will that affect my policy?

      Changing your Date of Birth (DOB) in the policy document can affect your insurance premium. Higher the age, higher the insurance premium.

    28. What is the need to buy a Religare Health Insurance Policy?
      • Get timely and adequate healthcare for you and your family.
      • Avail cashless hospitalisation in over 5420 network hospitals across the world.
      • Enjoy tax benefits under Section 80D of the Income Tax Act, 1961.
    29. What are the benefits of buying Religare Health Insurance at an early age?

      Here is a list of reasons why you should buy health insurance at a young age:

      • Premium of a health insurance policy increases with age.
      • Senior citizen health insurance plans can be restrictive compared to a regular health insurance plan.
      • You can get coverage for medical conditions that may be diagnosed over the years, provided there is no break in the policy.
      • Every claim-free year will give you a no-claim bonus that can be accrued over the policy term, resulting in an increase in your sum insured at no extra cost.
      • You can avail tax deduction on premiums paid towards a health insurance policy under Section 80D of the Income Tax Act, 1961.
    30. Explain the working of a floater cover under Religare Health Insurance?

      The floater plan from Religare Health Insurance covers the entire family which includes self, spouse, children, and parents under one single policy and single premium payment. The sum insured can be utilised by a single individual or shared by all the insured members and any number of claims can be made during the policy term, subject to the sum insured limit. A floater plan is cost-effective in comparison to paying premium for an individual policy for each member for the family.

    31. What are excluded from a standard Religare Health Insurance Policy?

      Exclusions of a standard Religare Health Insurance policy includes:

      • There is an initial waiting period of 30 days for all illnesses except an accidental injury.
      • Treatment for AIDS/HIV.
      • Congenital disease treatment.
      • Pregnancy related treatments.
      • Hospitalisation due to a war or nuclear threat.
      • Medical expense incurred due to alcohol or drug abuse.
      • Self-inflicted injuries and suicide attempts.
    32. How does the auto recharge feature under Religare Health Insurance work?

      If the sum insured and No-Claim Bonus has been exhausted during the policy year, the sum insured will be automatically recharged once in a policy year. The recharge sum insured can be used for future claims but not for an illness or disease for which a claim has already been made in the current policy year.

    33. What is a No-Claim Bonus under Religare Health Insurance?

      For every claim-free year, the insurer will provide a No-Claim Bonus to the policyholder in the form of an increase in sum insured (up to 50%) or discount on premium. If a claim is made, the accrued bonus will be reduced by 10%.

    34. For what reasons can there be a deduction in the claim amount of Religare Health Insurance?

      Claim amount can be deducted for the following reasons:

      • Non-medical expenses like snacks and telephone bills are not payable.
      • Treatment details without supporting documents like original bills and prescriptions.
      • If the sum insured is exhausted.
      • If the expenses exceeds specified sub-limits for certain expenses like room rent and doctor's fees.
      • If the policy has a co-payment clause.
      • Investigative or experimental treatment expenses that are not related to the ailment for which the insured member has been admitted are not payable.
    35. How can an individual make a cashless hospitalisation claim?

      In the case of an emergency hospitalisation, intimate the insurer within 24 hours of hospitalisation. Intimate the insurance company 48 hours prior to admission for planned hospitalisation. For cashless hospitalisation claims, fill the pre-authorisation request form at the hospital desk, and the network hospital will send the filled form to the insurer. The approval or rejection letter will be sent by the claim management team. In the case of rejection, you can initiate the treatment and file for reimbursement.

    36. Explain the Claim Processing and Reimbursement under Religare Health Insurance Policy?

      In the case of an emergency hospitalisation, intimate the insurer within 24 hours of hospitalisation. Intimate the insurance company 48 hours prior to admission for planned hospitalisation. For reimbursement claims, download the claim form from the insurer's website, fill it and submitted it at the nearest branch office along with the supporting documents such as discharge summary, hospital bill, prescription, etc. The approval or rejection letter will be sent by the claim management team. The claim amount will be transferred to the policyholder's bank account.

    37. How can one cancel his or her Religare Health Insurance Policy?

      During the free-look period, the policyholder can return the policy and get a refund of the premium after certain deductions if he or she has an objection to the terms and conditions of the policy. Cancellation request can be made at any time during the policy period provided no claims have been made. If a claim has been made and he or she wants to cancel the policy then premium will not be refunded.

    Examples of Network Hospitals in Major Cities

    CITY NAME OF HOSPITAL
    BANGALORE K.R.Puram Super Speciality Hospital
    DELHI Aakash Hospital
    KOLKATA Ruby General Hospital
    CHENNAI Aditya Hospital
    MUMBAI Phoenix Hospitals Pvt Ltd.

    *Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.

    News About Religare Health Insurance

    • Punjab National Bank partners with Religare Health Insurance

      Anuj Gulati, the CEO and Managing Director of Religare Health Insurance said that the company has established a bancassurance partnership with Punjab National Bank (PNB) to provide long-term healthcare and wellness solutions to the bank customers. PNB is one of the leading public-sector lenders in India with over 7,000 branches. With this tie-up, Religare will increases its reach across the country. PNB has also reported a 12% increase in net profit at Rs.343.30 crore for the June quarter.

      11th August 2017

    • Fall in stock prices of Religare Enterprises and Fortis Health

      In the past one month, the stock prices of Fortis Healthcare and Religare Enterprises fell by 21% and 39%, respectively. The reason being, India Ratings downgraded the debt papers issued by RHC Holdings, the parent company of Fortis Healthcare and Religare Enterprises, due to a delay in paying Rs.200 crore funds from selling the company's health insurance stake. On July 17th, Religare Enterprises closed 4.4% lower at Rs.112 and Fortis Healthcare closed 8.7% lower at Rs.149.

      21st July 2017

    • Religare Health Insurance launches new campaign ‘It’s My Turn’

      In view of promoting the importance of getting parents insured, Religare Health insurance has introduced a new campaign. With the central theme of ‘It’s My Turn’, the new campaign integrates with Care Freedom. The campaign has managed to generate great results across social media within few days of its launch.

      The campaign has been created to establish the youth’s responsibility of taking care of their parents in their old age. During the three days of the pre-launch, around 26,749 Twitter impressions with an engagement of 1,335 responses were generated.

      15th March 2016

    • Religare Heath to focus on corporate group insurance

      Most health insurers are reducing their exposure to group and corporate insurance, as there is a huge loss ratio of 80%, and heavy competition with companies constantly undercutting each other’s prices.

      Religare is one of the few insurers that focuses on preventative health care, providing free health check-ups, and marketing to the huge section of the society that is willing to pay a little more for a quality service portfolio. This is in the current scenario of insurers backing away from corporate and group insurance.

      Going forward, the company plans to continue to focus on corporate group insurance, as its customer base currently stands at 2,500 companies – up from 1,600 companies just 9 months ago. The company will also rely heavily on technology to settle claims and provide authorizations in a faster and more efficient manner, and also to stay connected with its stakeholders.

      11th January 2016

    • ‘Care Freedom’ - New product by Religare

      Religare Health Insurance has introduced a new product ‘Care Freedom’ that is specially designed for a large section of people who usually go uninsured. There is no maximum age for entry. Available for individuals or as a floater, this plan has discounts on longer policy terms of up to 3 years, with a lifelong renewal.

      Speaking about the newly-launched product, Anuj Gulati, Managing Director (MD) and Chief Executive Officer (CEO), Religare Health Insurance, said that Care Freedom aims to bring maximum people under health cover. This is especially for people who are deprived of healthcare benefits.

      The policy covers a range of costs including in-patient care (involving hospitalisation more than 24 hours) and specified day care treatments (involving less than 24 hours of hospitalisation) as well. It also covers pre-hospitalisation costs, such as medical examinations, tests and medication. Post-hospitalisation expenses such as follow-up visits, medication, and further confirmatory tests are also covered in the scheme.

      With Care Freedom customers can avail cashless settlements and reimbursement claim settlements. The policies are exempted from the Income Tax Act and eligible for the tax benefits applicable to health insurance policies.

      11th November 2015

    • Religare health insurance to get 100 crore from promoters in a joint venture!

      Religare health insurance will get a funding of Rs.100 crore from promoters as a result of a joint venture between Religare, Union Bank and Corporation Bank.While Religare holds the majority stake at 90% in the joint venture, Corporation Bank and Union Bank own 5% each.The company which earned a gross income of a booming Rs.276 crore last financial year also boasts of a share capital of Rs.375 crore.The health insurance industry worth Rs.22,000 crore is expecting a growth of 20-25% on a every year basis.

      16th July 2015

    • Report on Religare Health Insurance Premium by General Insurance Council

      Anuj Gulati, Managing Director and Chief Executive of Religare Health Insurance reports that “We (Religare) have reported a gross written premium of Rs. 275.8 crore for the year 2014-15. We continue to invest in building a very strong service foundation for offering best-in-class services to our customers and distribution partners." This report arises amidst accounts of a growing standalone health insurance sector, which is reported to have grown at 30% to Rs.2,946 crore in financial year 2014-2015 (According to General Insurance Council data).


      The IRDA, in the amended Insurance Act of 2015, recognizes health insurance as an independent vertical and has modified its regulations for the same. Policyholders will now be able to lock into premiums for a longer tenure, amidst rising medical inflation rates, to maintain health insurance benefits at an affordable cost. This helps insurers, too, as it ensures customer loyalty.


      Religare Group CEO Shachindra Nath said in February this year that the new budget will “unleash India’s growth potential” with its rationalization of corporate taxes, deferment of GAAR rules, proposals to allow foreign investments, etc. Whether it will fix the country’s financial situation is yet to be seen, but it certainly seems to have done so in Religare’s case.


      28th April 2015

    • ‘JOY’, the New Health Insurance Policy from Religare

      One of India’s premier health insurance companies, Religare Health Insurance Co Ltd (RHICL), has launched a brand new product that offers comprehensive cover for maternity and the new born child. Aptly named ‘JOY’, the policy offers a very minimal waiting period of 9 months for maternity related claims while also providing cover for the new born, right from birth till the child is 90 days old. Alongside these highlights, the policy offers many additional benefits that is sure to impress new parents and help them breathe easy in terms of the financial aspects attached to the health of an expectant mother and her new born child. With the launch of ‘JOY’, Religare Health Insurance has hiked up its product count in the retail segment to six. Currently, the company offers five health insurance products including Care- Comprehensive Health Insurance, Assure- Critical Illness & Personal Accident Cover, Secure- Personal Accident Cover, Enhance- High Deductible Health Insurance Plan and Explore - International Travel Insurance.

      9th January 2015

    This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Religare Health Insurance Reviews

  • Page 1 of 8 1 2 3 4 5
    • Religare Health Insurance
      "RELIGARE HEALTH Insurance"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance from RELIGARE HEALTH.The insurance amount is for 5 lakhs.The premium amount is 10000 annually,now it comes down to 7000 per years.Every year i have to pay 10000 and it is an individual policy. I directly visit the branch and make the payment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 09, 2017
    • Religare Health Insurance
      "Better Policy"
      0.5 4.0/5 "Great!"
      Holding the Religare health insurance policy for past 1 year. I got this policy for myself. I got the ,Medical coverage up to Rs.5laksh. I never had any claim experience . I paid Rs.8900 to get this policy , I am happy and satisfied wi9thg the policy.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 28, 2017
    • Religare Health Insurance
      "Excellent policy "
      0.5 5.0/5 "Blown Away!"
      I am having a Reliance religare health insurance policy for past 5years. I got this policy with the help of my company,. The customer service is good with this policy. This policy covers 4 members, which is myself, my spouse and my children. This policy has the coverage of Rs.2lakhs. I am satisfied having the policy with Reliance.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Sep 26, 2017
    • Religare Health Insurance
      "Average policy to use"
      0.5 3.0/5 "Satisfactory"
      One of friend suggested me to take a Reliance Religare health insurance policy. I have got this policy around 3 months ago. I paid around Rs.5000 towards this policy. This policy covers myself and my family which is my mother. The medical coverage is good with this policy. I didn't had any claim experience with this policy so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 21, 2017
    • Religare Health Insurance
      "Very good helath insurance"
      0.5 5.0/5 "Blown Away!"
      Religare health insurance is very good, my company pays the insurance on behalf of me. Also the coverage amount is good, they have tie up with some hospitals also the network is huge, they will pay the amount which is applicable for me and my family. I have received the health card from them no top up nor I received any claim benefit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 15, 2017
    • Religare Health Insurance
      "Good for medcial emergency"
      0.5 5.0/5 "Blown Away!"
      Its a good health insurance, I paying Rs.8900 on yearly basis, its covers myself, spouse and daughter. They are giving medical coverage of 2.5 lakhs for each person. Last two years I have this policy but I didn't claim anything but still I think its a good policy. I used only for medical check up by cash less treatment.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Sep 05, 2017
    • Religare Health Insurance
      "Good for health coverage"
      0.5 5.0/5 "Blown Away!"
      I done a search about Religare health policy its good , they got a tie with good hospital so they giving coverage for all critical illness and hospitalization. Religare gave me the medical cover Rs.10 lakhs its a good coverage, so far I don't have any claim experience.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 02, 2017
    • Religare Health Insurance
      "Worst service ever"
      0.5 0.5/5 "Unacceptable"
      For claim , renewal and any other service, they always ask us to wait or take any action. They don't want to do anything from their side. For their technical mistake, we have to email, followup and get it done. Do not buy this, I have a big regret after buying this.
      Was this review helpful? 0
      , surat
      Reviewed on Sep 01, 2017
    • Religare Health Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I am having the life insurance policy with the Religare and their service aspects are good and I have not seen any drawbacks with them. The premium is around 15000 Rupees per annum and the coverage value is around 5 lakh Rupees.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 29, 2017
    • Religare Health Insurance
      "Third class company/ Never buy policy"
      0.5 0.5/5 "Unacceptable"
      Company take all hard copies and after that again asking for the same documents. Also, will say we have not received. Please never purchase a policy from this company. Very Very Bad experience.......... Third class company.........
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 12, 2017
    • Religare Health Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      I am having a Accident Relief care insurance with Religare Health Insurance . I am having it for more than 2 years. I pay Rs.776 to renew the policy in every 6 months once. This policy covers only myself. The customer service is good with Relaigare insurance policy. I never had any claim experience so far. I am satisfied using this policy,
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 11, 2017
    • Religare Health Insurance
      "Claim Rejected "
      0.5 0.5/5 "Unacceptable"
      My name is thamim razith , I have religare health Insurance with Insurance policy(#10156318), Patient Name : THAMIM RAZITH ,Policy holder name : THAMIM RAZITH - Claim no: 90343460 00,I was hospitalized into Apollo Specialty Hospital ,Madurai due to Dengue fever on 3rd May 2017 at 4 PM noon. I made a post claim for reimbursement of money: 16988 Rupees, I have submitted all medical records , they told that "ADMISSION NOT JUSTIFIED, COULD HAVE BEEN TREATED IN OPD". They are saying that I could have been treated in OPD and admission was not required, then I was able to get medical certificate from Doctors letter(medical certificate) on letter head in which it was mention that admission was necessary and also mentioned about why patient is not treated in OPD treatment process based on WHO guidelines. This medical certificate is also submitted to claims@religare.com. I have contacted all the concerned person and Grievance Redressal Officer still the case is not resolved.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 02, 2017
    • Religare Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I have taken health insurance from Religare by online, I paid the premium of Rs.10,000 it has a coverage of one year. They gave me medical coverage of Rs.5 lakhs its coverage my entire family. They got a tie up with cash less treatment hospitals.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 12, 2017
    • Religare Health Insurance
      "Good for family and good health insurance"
      0.5 4.0/5 "Great!"
      I have a health insurance with Religare, last year they provided a premium of around Rs.11,000. This year, I paid the premium around Rs.12,000, every year the premium increase based on the age. Last year medical cover was for Rs.10 lakhs, this year Religare added no claim cover of one lakh, hence total cover of Rs.11 lakhs.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 13, 2017
    • Religare Health Insurance
      "Not good"
      0.5 1.0/5 "Really Bad"
      I had taken a health plan with Religare. This was taken for my parents especially. The representative came to my place and they had done the needful for me. I am supposed to pay about 45 k per annum and I normally pay the premium by cheque. I do have one claim experience and it was really horrible as I got very less amount in turn.
      Was this review helpful? 1
      , kolkata
      Reviewed on Apr 20, 2017
    • Religare Health Insurance
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I am an employee so I am getting good benefits with Religare Health insurance. I am making the premium of Rs.11,000 and they gave hospitalization coverage of 5 lakhs for my entire family and after five years pre existing disease also covers.
      Was this review helpful? 2
      , coimbatore
      Reviewed on Apr 19, 2017
    • Religare Health Insurance
      "Very Good"
      0.5 4.0/5 "Great!"
      I have health insurance policy with the Religare and I had been with them for every insurance product because the things are going fine way. Its the critical insurance policy and totally am paying around 11000 Rupees for the tenure is for one year of time. Till now, I do not have any claim experience.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 15, 2017
    • Religare Health Insurance
      "Religare fraud health insurance company "
      0.5 0.5/5 "Unacceptable"
      My mom was admitted to rockland in Emergency condition on 05th Feb at 4 Pm in evening. I made a claim for reimbursement and sent all the required documents to Religare. But my claim has been rejected with reason "Pre existing illness" They are saying that I could have been treated in OPD and admission was not required. I went to hospital at 4pm In evening in emergency condition. I sent Doctors letter on letter head in which it was mention that admission was necessary and I was admitted in emergency condition. I contacted all the concerned person, grievance cell etc but my case is not resolved. Religare health insurance is frustrating, horrible. harassing the customer, genuine claims are rejected without reason. no response from grievances cell. End of my review I am stuck due to baseless stupid inspection by #religare, simply fraud, we pays premium to insure ourself, not to get trauma.#fraudreligare #boycottreligare #healthinsurance
      Was this review helpful? 1
      , new delhi
      Reviewed on Apr 09, 2017
    • Religare Health Insurance
      "It is excellent for family"
      0.5 5.0/5 "Blown Away!"
      RELIGARE Insurance helped me at the right time, When my child got admitted in hospital for four days, through this medical coverage I got cash less treatment from that hospital. It helped me on the right, though I dont have medical card at the time using the soft copy of the policy, My child got treatment. I used to pay a premium of Rs. 16,000 per annum to cover entire family. They offered the medical coverage for. 5 Lakhs and it is really a good policy.
      Was this review helpful? 1
      , kolkata
      Reviewed on Mar 16, 2017
    • Religare Health Insurance
      "Pathetic company - Motto - Reject claims"
      0.5 0.5/5 "Unacceptable"
      Don't make mistake of taking policy from Religare. They rejected my mother's claim for knee surgery by saying that she is suffering from diabetes and blood pressure, when she does not have BP or diabetes. Their intention right from the start was to reject the claim. , There is no connection between her knee surgery due to osteo-arthiritis and borderline diabetes or heart disease or hypertension. This health insurance claim is for knee replacement surgery and not any heart/hypertension/diabetes related illness.
      Was this review helpful? 1
      , pune
      Reviewed on Mar 11, 2017
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