Religare Care health insurance is an insurance plan for individuals and families that offers protection against numerous ailments and diseases with auto-recharge option and no limit on certain expenses.
Features & Benefits of Religare Care:
|Entry Age||5 years to 75 years|
|Basis||Individual / Family floater|
|Policy Period||One/ Two or Three Years, Grace period: 30 days|
|Sum Assured||Starting from Rs. 3 lakh to Rs. 60 lakh|
|Premium||Starting from Rs. 10,302 for 3 lakh sum assured for 5-24 year old male|
|Discount||10%discount on 3 year policy term and 7.5% Discount on 2 year policy terms.|
|Co-Payments||Co-payment applicable is the person is more than 61 yrs at the time of 1st buy of a policy less than Rs. 3 lakh.|
|Coverage||Pre and Post-hospitalization: 30 days before you get admitted to a hospital and 60 days after.|
Ambulance expenses covered.
Organ donor medical expenses covered.
Domiciliary hospitalization covered.
Flexibility to increase Policy’s Sum Insured even later.
Daily allowance of Rs. 500 in policies of 3 lakh/4 lakh
Treatment anywhere for policies of 50 lakh/60 lakh
|Benefits||170 day care treatments, plus hospitalization expenses if it exceeds a day. Cashless treatment at any of 4100+ network hospitals. |
Auto-recharge of the entire sum insured of your policy.
Complimentary comprehensive health check-ups for primary policy holder and members covered as adult every year.
Super increase of 50% bonus in your sum insured every year for each claim free year in addition to 10%. Bonus keeps building up, up to 100% of your sum insured under the Super No-claim bonus plans.
30 days pre and 60 days post-hospitalization expenses covered.
No cap on expenses like operation theater, doctor/surgeon fees & allied charges, to name a few. Policies of Rs. 5 lakh onwards carry no room rent upper limit.
|Exclusions||Within 30 days of policy commencement, any / undergoing of surgery / diagnosis of diseases, occurrence of event, whose symptoms first occur.|
Drug or alcohol use/misuse/abuse rehab therapy
Treatment of AIDS and HIV
Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences.
Hospitalization due to war, riot, strike, nuclear weapons.
Fertility treatments and IVF.
Also Read: How to File a Claim with Religare Health?