You need health cover regardless of what you take two at a time - pills or stairs.
You need health cover regardless of what you take two at a time - pills or stairs.
  • Religare Health Insurance

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    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

    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 Highlights Updated on 21 Jan 2018

    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 of Religare Health Insurance:

    Religare Health Insurance 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.

    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.

    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.
    • Religare Health Insurance Plans
    • 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.

    Types of Health Insurance Policies Provided by Religare:

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

    1. Religare Health Insurance Care Plan
    2. Religare Health Insurance Enhance Plan
    3. Religare Health Insurance Assure Plan
    4. Religare Health Insurance Secure Plan
    5. Religare Health Insurance Joy Plan
    6. Religare Health Insurance Care Freedom Plan

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

    • Religare Health Insurance Care Plan:

    This Religare health insurance care plan 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
    • Religare Health Insurance Enhance Plan:

    This Religare health insurance enhance plan 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
    • Religare Health Insurance Assure Plan:

    Another variant of the health insurance plans on offer, this provides additional coverage targeting events generally excluded under basic Religare health insurance assure plan 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.
    • Religare Health Insurance Secure Plan:

    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 Religare health insurance secure 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
    • Religare Health Insurance Joy Plan:

    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 Religare health insurance joy plan 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.
    • Religare Health Insurance Care Freedom Plan:

    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 insurance care freedom plan 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
    • 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.

    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.

    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
    • 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 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 Cashless Network Hospitals:

    Individuals with a Religare Health Insurance policy can avail cashless hospitalisation at over 5,420 network hospital across India. Medical treatment can be availed at any one of the network hospitals that have tie-ups with Religare Health Insurance. In the case of a cashless treatment, you can avail treatment without paying for the medical expenses upfront. To locate a network hospital in your area, just enter your state and city on the Network Hospital Locator tool. You will instantly get a list of network hospitals with names, phone numbers, and addresses.

    Find cashless network hospitals nearby: RELIGARE Cashless Network Hospitals

    How to File a Claim With Religare Health Insurance?

    Unplanned Hospitalisation: In the case of an emergency or unplanned hospitalisation, intimate the insurer within 24 hours of hospitalisation.

    • Display your health card at the network hospital desk.
    • The hospital will submit a duly-filled and signed pre-authorisation request form to the insurance company or it’s Third-Party Administrator (TPA) via fax.
    • The claim management will send an approval letter to the hospital.
    • The hospital will proceed with the cashless treatment for the insured member.
    • If the cashless claim is rejected, the insured member can initiate the treatment and file for a reimbursement claim after discharge.

    Planned Hospitalisation: In the case of a planned hospitalisation, intimate the insurer 48 hours prior to your hospitalisation.

    • The reimbursement claim form has to be submitted to the insurer along with the required supporting documents such as discharge summary, medical reports, hospital bills, pharmacy bills, prescriptions, etc.
    • An approval letter will be sent by the claim management team. You will have to respond to the queries raised by the claim management team for a smooth claim processing experience.
    • The claim amount will be sent to the insured member after approval.

    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?

    26. 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.

    27. Can I revise the relationship in my plan?

    28. 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.

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

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

    31. 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.
    32. What are the benefits of buying Religare Health Insurance at an early age?

    33. 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.
    34. Explain the working of a floater cover under Religare Health Insurance?

    35. 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.

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

    37. 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.
    38. How does the auto recharge feature under Religare Health Insurance work?

    39. 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.

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

    41. 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%.

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

    43. 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.
    44. How can an individual make a cashless hospitalisation claim?

    45. 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.

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

    47. 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.

    48. 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

    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 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 9 1 2 3 4 5
    • Religare Health Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with Religare from last 3 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 16000 for this insurance. I do not have claim experience and i have not taken any cashles treatment. I have a coverage of Rs 5 lakhs which is satisfactory and the benefits are also good in this policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 17, 2018
    • Religare Health Insurance
      "Coverage is good"
      0.5 5.0/5 "Blown Away!"
      I have been paying Rs.18000 yearly for this Health Insurance. The coverage that is provided by them is for Rs.20 Lakhs. I have been taking this Insurance for the past 5 years and fortunately never had a Claim with them until now. They have cashless option available in this Insurance.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 26, 2017
    • Religare Health Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Religare Health from last 1 month and it is a good insurance policy to use. I pay a premium of Rs 654 per month and it gets deducted through ECS. I have not taken any cashless treatments and i do not have claim experience. I have a coverage of Rs 5 lakhs for health and Rs 10 lakhs for accident. I am overall satisfied wit this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 19, 2017
    • Religare Health Insurance
      "Good Coverage"
      0.5 4.0/5 "Great!"
      I felt this is a good Insurance to have for health coverage of yourself and your Family. I took this with Indusind Bank. At present, I am paying Rs.12500 yearly and the coverage they are offering is Rs.15 Lakhs. Now they have increased the premium a little as I have reached 50 years.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2017
    • Religare Health Insurance
      "Overall Fraud Company for paying Claims"
      0.5 0.5/5 "Unacceptable"
      I took this insurance for my Mother in 2014. Since last 3 years there was no claim and everything was smooth . During last Oct-2017 my mother was sick and admitted in hospital. They did not approved cashless claim. When we send documents to claim department then they started asking questions for previous alignment which was in 2012 and was treated with some other insurance company. Now they are asking how that alignment was diagnosed give all outpatient documents. Who will keep records of 5 year old history? Hospital is saying document given to them is sufficient to approve claim. This claim is hardly for few thousands of rupees. I am paying renewal fee in around 40K per year. At time of renewal they are calling several time to get it renew and talking very decently. I wish i can give them 0 rating. Please don't buy any product from this fraud company.
      Was this review helpful? 1
      , varanasi
      Reviewed on Dec 07, 2017
    • Religare Health Insurance
      "Good Medical coverage"
      0.5 5.0/5 "Blown Away!"
      My friend is working with Religare hence I took the health insurance with them. I made the premium around Rs. 6700 it has tenure of one year. It has the medical cover of Rs. 5 lakhs, it covers only for me. They got good tie up with good hospitals, I got E card for the cash less treatment.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 02, 2017
    • Religare Health Insurance
      "Excellent health insurance policy to use"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance policy with Religare health from last 7-8 months and this policy has to be renewed every year. I pay a premium of Rs 18500 on annual basis through online, i am satisfied with the payment options. The customer service was very good and they were helpful, their services was very fast. I have done cashless treatment and the claim experience was good.It is one of the best health insurance policy to use.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 24, 2017
    • Religare Health Insurance
      "poor service of religare"
      0.5 0.5/5 "Unacceptable"
      My relative Mr Satya Praksh Pokhariyal has been admitted in Kaushambi Hospital, Kaushambi on 20.11.2017 but by now approval has not been received. In want of which protocols have not been followed by the hospital. Who is responsible for anything goes adverse?
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Nov 22, 2017
    • Religare Health Insurance
      0.5 3.0/5 "Satisfactory"
      I am having the health insurance policy with the Religare insurance company and the coverage value is good one too. I have not faced any claims with the Religare insurance company . Customer service is good one with the Religare insurance company.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 21, 2017
    • Religare Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I am very much happy about the service of RELIGARE for my health insurance service they provide me a offer of free medical checkup for my whole family which is not given by any health insurance service providers I am paying around 6800 yearly as a premium for my full family and the payments will be through ecs from my salary account it was a best service from RELIGARE health insurance service.
      Was this review helpful? 0
      , surat
      Reviewed on Nov 20, 2017
    • Religare Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was been about two months I have taken the health insurance service with RELIGARE they provide me good offers but I never avail their service much the payments where generally through online it was a wonderful experience with RELIGARE for my health insurance service.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 17, 2017
    • Religare Health Insurance
      "Good Protection"
      0.5 4.0/5 "Great!"
      I like medical coverage of Religare health, they are connected with good hospitals in my location. I make the premium of Rs. 8000 per annum, its covers only for me. Its gives the medical cover of Rs. 5 lakhs, I make the payment through online. They are extra benefits are available for the critical illness.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 13, 2017
    • Religare Health Insurance
      "Good Doctor"
      0.5 3.5/5 "Pretty good"
      Religare got tie up with Indusind, hence my bank have suggested this insurance company. I am making the premium around Rs. 12,000 on yearly basis for the health insurance, they are providing Rs. 5 lakhs of medical cover for three persons. They got tie up many reputed hospitals like Global, Kamakshi memorial hospital etc.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 10, 2017
    • Religare Health Insurance
      0.5 4.0/5 "Great!"
      I have taken the insurance service from my office so they where not needed with any documents during the process the payments where auto deducted from my salary account and they will deduct 700 monthly I have taken two policy so far and one is medical policy and it was been five years I have taken the service ,it was a good experience with RELIGARE for my health insurance service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 10, 2017
    • Religare Health Insurance
      " Comprehensive protection for family health"
      0.5 5.0/5 "Blown Away!"
      I get unlimited restoration and also provide no claim bonus, even their coverage is also good, my premium is around Rs. 14,000 on yearly basis it has the medical cover of Rs. 25 lakhs. Its for me and my spouse they got tie up with good medical cover. I used make the payment online through online channel.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 09, 2017
    • Religare Health Insurance
      "Average health insurance policy "
      0.5 4.0/5 "Great!"
      I haven't got the claim experience with this policy but still I heard there are lot of procedure to avail the medical claim with this policy, I hold the health insurance policy with Religare for more than 5years. The customer support is average with Religare health insurance policies. This policy covers 5members in my family. I have the medical claim up to 3lakhs rupees with this policy..
      Was this review helpful? 0
      , karaikudi
      Reviewed on Nov 06, 2017
    • Religare Health Insurance
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance policy with the Religare general insurance company and their services are really good. The plan benefits are good one with them and I have not faced any issues with them till now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 04, 2017
    • Religare Health Insurance
      "Worst service"
      0.5 1.0/5 "Really Bad"
      I never seen such a worst service from RELIGARE for my health insurance service they took a very long time to process the service when I had some medical emergency even after a long time they didn't approve the service they were not supportive I dont have claim service with RELIGARE.
      Was this review helpful? 2
      , new delhi
      Reviewed on Oct 30, 2017
    • Religare Health Insurance
      "Good Protection"
      0.5 5.0/5 "Blown Away!"
      Religare gave me good feature on health insurance, their customer service also good they gave me policy copy on time. My premium is around Rs.18,600 on yearly basis it has the tenure one year. Insurance company gave me medical coverage of Rs. 3 lakhs + 3 lakhs its covers me and spouse.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 30, 2017
    • Religare Health Insurance
      0.5 4.0/5 "Great!"
      I do have health insurance policy with the Religare health insurance company and the services are good one for me, also I have not faced any medical claims with the Religare health insurance company, So I am not really much aware of it.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 24, 2017
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