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  • Religare Health Insurance

    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.

    Religare Health Insurance at a Glance

    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

    Not a paisa goes from your own pocket!


    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

    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 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



      Sum Assured

      Rs. 3 Lakhs and Rs. 5 lakhs


      • Covers 170 day care procedures

      • Pre and post hospitalisation expenses

      • Ambulance charges

      • Domiciliary treatment

      • Room charges

      • Nursing charges

      • ICU charges


      • 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.

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

    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.

    Examples of Network Hospitals in Major Cities

    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

    • 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

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