• Religare Care Freedom Health Insurance Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    To be truly free means to be able to let your mind wander. To experience life outside the box, outside your comfort zone, and beyond the horizon. To let your mind wander, one must be free of worries. The biggest worries in our lives right now revolve around our health and finances, and whether our finances will be able to keep up with healthcare treatments, should we need them.

    The Religare Care Freedom policy from Religare Health Insurance Company aims to provide you with freedom and flexibility to live life to the fullest, and have a financial cushion to fall back on in case you need health insurance. It doesn’t require any pre-policy medical check-up for all ages and sum assured. Also, waiting period is only 2 years in case of pre-existing diseases.

    Features and Benefits of Religare Care Freedom Policy:

    Entry Age Adult – 18 years, and no upper limit on entry age. Child – 90 days, upper limit of 24 years on entry age.
    Basis Individual / Family Floater for up to 6 members.
    Policy Period 1, 2 and 3 year options.
    Renewability Lifetime renewability.
    Sum Assured Two options – Rs.3,00,000 and Rs.5,00,000 Sum Assured.
    Premium Depends on the age of applicant, cover type, number of members in the policy, policy term, optional cover, health status, plan, sum-inured, co-payment and deductible option chosen.
    Discount
    • 7.5% discount for a 2 year tenure option on single premium.
    • 10% discount for a 3 year tenure option on single premium.
    • 15% discount for employees and dependants of Corporation Bank and Union Bank of India.
    • Deductible discounts based on deductible option chosen.
    Co-Payments
    • Co-payment of 20% - 30% per claim of final amount payable.
    • Co-payment increases by 10% per claim in the same policy year.
    Coverage
    • In Patient Care: In case you are hospitalized for a minimum of 24 hours, the plan will cover:
    • Room charges.
    • Nursing expenses.
    • ICU (Intensive Care Unit) expenses.
    • Surgeon’s fees.
    • Doctor’s fees.
    • Blood charges.
    • Oxygen expenses.
    • Anaesthesia.
    • Operation Theatre expenses, etc.
    • Day Care Treatment: In case hospitalization lasts less than 24 hours, the plan will cover:
    • Over 170 day care treatments.
    • Pre-hospitalization: There are expenses that one will incur before the actual hospitalization, coverage under this plan includes:
    • Examinations.
    • Tests.
    • Medication.
    • Investigative tests and medications.
    • Post-hospitalization: Expenses don’t stop after the period of hospitalization ends, post-hospitalization expenses include:
    • Follow-up charges for medical professionals.
    • Medication.
    • Confirmatory medical tests.
    • All medical expenses incurred after hospitalization, up to 30 days beyond the policy end date.
    • Ambulance charges:
    • All ambulance expenses incurred are reimbursed.
    • Domiciliary care expenses: In case hospitalization is not possible and treatment must be sought at home, the plan will cover:
    • All expenses incurred for treatments exceeding 3 days, for a condition meriting hospitalization.
    • Consumable allowance: A lumpsum amount is given each day of hospitalization to meet non-medical expenses like:
    • Transportation.
    • Consumables.
    • Attendant’s fees.
    • Other daily expenses.
    Benefits
    • Cashless treatment at leading hospitals.
    • Direct Claim Settlement:
    • Cashless hospitalization upon presenting the Religare Health Card at over 4,600 hospitals.
    • Quick reimbursement.
    • There’s no need for a medical check-up before taking on this health insurance policy, no matter what your age is and what Sum Assured option you’ve chosen.
    • Policy Term Options: Three policy term options, 1 year, 2 year and 3 years.
    • A mere 2-year waiting period applies in case of Pre-Existing Diseases.
    • Free-look period: The policy can be returned to the company within 15-days from the date on which you receive the policy. Premium will be refunded after deducting proportionate risk premium for the coverage period and stamp duty charges as applicable.
    • Sum Insured Recharge: In case the claim amount exhausts the limit of coverage, the sum insured can be recharged at no extra cost. Recharged sum can be used for other members under the same policy, and by the policyholder (but not for the same ailment in the same year).
    • Health Check-up:
    An annual health check-up will be arranged, irrespective of claims history, for:
    • Complete Blood Count with ESR.
    • Urine routine analysis.
    • Fasting Blood Sugar.
    • Lipid Profile.
    • Kidney Function Tests.
    • ECG.
    • The plan has lifetime renewability.
    • Premiums paid are exempt from taxation under Section 80C of the Income Tax Act, 1961.
    • Companion Benefit: additional lumpsum payout will be made if the period of stay in the hospital exceeds 10 (consecutive) days.
    • Dialysis cover: Dialysis expenses will be covered with a fixed amount per sitting, for up to 24 months.
    • Home Care (optional cover 2): Nurses fees will be covered for a maximum of 7 days per illness or injury, and a maximum of 45 days per policy year, after a deductible of 1 day.
    • Health Check+ (optional cover 3): Annual health check-up can be upgraded to either Diabetes health check-up or Cardiac health check-up which covers:
    Diabetes Health Check-up Cardiac Health Check-up
    Complete blood count with ESR. Complete blood count with ESR.
    Urine RE. Urine RE.
    Blood Group Blood Group
    Fasting & PP Blood Sugar Fasting & PP Blood Sugar
    TMT TMT
    Lipid Profile Lipid Profile
    Kidney Function Test Kidney Function Test
    Liver Function Test Liver Function Test
    TSH TSH
    Medical Examination Report Medical Examination Report
    HbA I C HbsAG
    Urine for Micro Albuminuria Chest X-ray
    HBS AG  
    Exclusions The plan does not cover:
    • Pre-existing ailments or injuries not covered for up to 24 continuous months from the start of the policy.
    • Any diseases contracted within the first 30 days of policy start (except those arising out of accidents).
    • OPD treatments.
    • Self-afflicted injury or attempted suicide.
    • Alcohol and drug abuse/use/misuse.
    • Spectacles and contact lenses that require no hospitalization.
    • Medical expenses for AIDS.
    • Medical expenses for treatments traceable to pregnancy, childbirth, miscarriage, abortion, and the consequences thereof.
    • Congenital diseases.
    • Tests and treatments related to infertility.

    Find cashless network hospitals nearby: RELIGARE Cashless Network Hospitals

    Other Health Insurance Plans from Religare Health Insurance:

    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 Care Freedom Health Insurance Plan Reviews

  • Page 1 of 10 1 2 3 4 5
    • Religare Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I was using health insurance policy with Religare from last 2 years, i am happy with the coverage value of this insurance policy. I am satisfied with the claim experience and it was a cashless treatment. I have a coverage value of Rs 3 lakhs for this insurance policy.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jun 19, 2018
    • Religare Health Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      From past 7months i am using this health insurance. Documents i have done through the on line. The coverage is for 10k. Per annual i pay of rupees 7-8k. Disease coverage is there. Free medical checkup once in a year is also available in my insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 17, 2018
    • Religare Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have my health insured with Religare from last 1.5 years and it is a good insurance policy. I have a coverage value of Rs 3 lakhs which is satisfactory for this insurance policy. I pay a premium of Rs 4800 and i have no claim experience so far from this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 28, 2018
    • Religare Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance from Religare. I pay a premium of 15000 per year and been using the policy for the past 3 years. I never had any claim experience with the policy. The policy renewal was really comfortable even after expiry. Overal it was a good experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2018
    • Religare Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      Got the health insurance policy from the RELIGARE HEALTH company around 2months ago. The customer support service is good with the Reliance and they give good service to the customers. This policy covers 4mmebers in my family . This policy has a medical coverage amount of Rs,5,00,000 per head. I have paid Rs,9000 to get this policy and this policy and it has good benefits in it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 02, 2018
    • Religare Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I bought the Religare Health Insurance and I pay a premium of 7200 Per Annually. I dont have any claim experience. My friend had the experience and their Customer support was good. I make the premium payment Online and I've been a customer for the past three years.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 29, 2018
    • Religare Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      Religare Health Insurance service is good. The payments are through Ecs. The offers of Religare covers the top hospitals,it was very much helpful for me. The benefits is for the whole family. It was an good experience with Religare Health Insurance service.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 23, 2018
    • Religare Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Religare health 4 months back, i am happy with the coverage value of this insurance policy. A premium of Rs 8000 has to be paid every year for this health insurance. I do not have claim experience so far with this insurance and they cover Rs 5 lakhs for this insurance.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 20, 2018
    • Religare Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      From RELIGARE Health i have taken the health insurance. They provide cashless facility. There is no claim experience with them. There is health check up available on the insurance policy. Its an individual policy.The customer service and response is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2018
    • Religare Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have an health Insurance with Religare. The benefits is for the whole family. Their offers covers me for the top hospitals. The payments will be regularly deducted through Ecs. As it is an cashless process. I never claimed any service from Religare till now. It is an excellent experience with Religare health insurance service.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 04, 2018
    • Religare Health Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I use the Health insurance policy from the RELIGARE HEALTH for the past 3 years. I pay Rs,7600 to renew the policy every year. This policy covers 2members in the policy and it has the policy medical coverage amount of Rs,600000 and I am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 31, 2018
    • Religare Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Religare from last 2 years and it is a good policy to use. This policy has to be renewed every year and i pay a premium of Rs 10000 for this insurance. I do not have claim experience so far and i have not taken any cashless treatment. I have a coverage of Rs 5 lakhs and i am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 13, 2018
    • Religare Health Insurance
      "Good policy for Health"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance from RELIGARE HEALTH. The premium i have to pay on a yearly basis. I have not yet experienced the insurance policy. They provide reimbursement and the policy would be given to all the family members. And they even proved free health checkup for all the members.
      Was this review helpful? 0
      , jaipur
      Reviewed on Mar 07, 2018
    • Religare Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I have a health insurance with Religare. The benefits is for the whole family. The offers from Religare health insurance service covers the top hospitals. The payments will deducted through ECS. The customer support is prompt with Religare. It is a good experience with Religare Health insurance service.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Mar 03, 2018
    • Religare Health Insurance
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I have taken the health insurance policy with the Religare and the response is not really up to the mark. I would like to say that the customer service could be get improvised with the Religare health insurance company.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 03, 2018
    • Religare Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have taken a health insurance service with Religare,the benefit is for single benefit. The offers cover top hospitals which is good with Religare health insurance service. The payments will be deducted from my credit card,still I have not claimed any service till now from Religare health insurance service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 02, 2018
    • Religare Health Insurance
      "Better service"
      0.5 4.0/5 "Great!"
      I have taken a Health insurance with Religare,the insurance was taken six months ago,the procedure was too simple as i submitted limited documents.I have no claim experience with them.I need not pay any premium amount as it is taken by the company,the policy was taken for my family members too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 26, 2018
    • Religare Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      RBL gave me the Health insurance from Religare , without my knowledge they have charged me Rs. 3000 of premium, for the tenure of one year. Religare premium was converted into EMI. Religare gave me the medical cover around Rs. 1.5 lakh with cash less treatment facility and they got tie up around 1000 hospital in India.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Religare Health Insurance
      "Its Best"
      0.5 5.0/5 "Blown Away!"
      I have corporate insurance from Religare Health, I didn't check the benefits, I believe I got medical cover upto Rs. 3 lakhs for my entire family. I got Religare e card. If in case of any emergency if I admit more than 24 hours I can get the reimbursement. I would suggest to enable daily check on insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Religare Health Insurance
      "Bad Experience"
      0.5 1.0/5 "Really Bad"
      This is my first term with Religare Mediclaim plan. 7 months down my Insurance my Brother had an accident, and consequently they didn't cover me up during this time. I had to pay more than Rs.1 Lakhs for the treatment. I applied for it thrice and all the three times it got rejected, they said accidents aren't covered in this Insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2018
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