Religare Health Insurance Claims Procedure

Health insurance policies are often as good as their claims are, because the financial aspect of one’s illness and ailment often bears down on a family and the policyholder after the treatment is done with. Claims considering Religare Health Insurance have an easy process that is done online and is completely hassle-free. With nearly 4900 hospitals in its expansive list of healthcare facilities, Religare Heath Insurance also offers an easy process for claims disbursement.

Incurred Claim Ratio for Religare Health Insurance:

Though the claim ratio is a highly touted measure of how effective and reliable an insurer is, it is not the only yardstick through which health insurers should be chosen. Irrespective of that, a good incurred claim ratio indicates the speed of the overall process and the efficiency through which an insurer operates. The incurred claim ratio for Religare Health Insurance is shown in the table below –

Incurred Claims Ratio for Religare Health Insurance for the Year 2016-17:

Net Earned Premium (in Crore) Net Claims Paid (in Crore) Incurred Claims Ratio (in %)
484.00 crore 244.50 crore 50.52%

Incurred Claims Ration for Religare Health Insurance for the Year 2017-18:

Net Earned Premium (in Crore) Net Claims Paid (in Crore) Incurred Claims Ratio (in %)
679.67 crore 353.21 crore 51.97%

Generally a value from 50% to 90% is a good figure concerning ICR (Incurred Claim Ratios). That indicates Religare actually has built up a good pool of resources from where it can meet the claims that are being generated. It will not be taxing the financials of Religare in any condition.

Claim Scenarios:

Claim scenarios normally come up in two forms, either in cashless treatment or in case of reimbursement of expenditure that happens during a treatment. Let’s take a look at how the situations would be in each scenario pertaining to health insurance.

Cashless Treatment:

This kind of treatment can be availed across the network of hospitals that have tie-ups with Religare Health. In such cases, one doesn’t need to pay for the treatment as the bills generated are sent across to Religare Health itself.

Procedure to File a Claim (Planned/Emergency Hospitalisation):

  1. The provided cashless treatment card should be carried on person, or the policy number and member ID should be provided at the network hospital
  2. One should call and inform Religare at the number 1800-200-4488 within 24 hours of admission in case of an emergency hospitalisation
  3. One should either intimate Religare on 1800-200-4488 or write to the customer helpdesk on in case of a planned hospitalisation at least 48 hours before
  4. One would need to furnish personal details and policy ID or member ID to the hospital’s insurance desk and fill up the Pre-Authorisation form in the customer’s section
  5. Once the balance details are filled up by the hospital, the Pre-Authorisation form will be faxed to Religare at 1800-200-6677
  6. The Religare in-house medical team will review the case and documents received and intimate the guardian and hospital in case of approval, pending approval or rejection
  7. In case of pending approval cases, Religare will contact the hospital to furnish more details and in cases of rejection, a claim reimbursement process needs to be followed

Claims Process for Cashless Treatment:

  1. Post the filling up of the pre-authorisation form, the requisite details will be verified by the hospital and the TPA
  2. Upon submission of the pre-authorisation form, all communications will be taken care of by Religare pertaining to the settlement of the bill
  3. If in case some expenses are not covered or are beyond the scope of the policy, the same will be intimated to the patient before or post release from hospitalisation

Reimbursement of Treatment Expenses:

In case one has to resort to a hospital that is not in the panel of networked hospitals of Religare or the pre-authorisation form has been rejected, one could file a claim for reimbursement of expenses. The procedure for the same and important points to consider are mentioned below.

Procedure to File a Claim:

  1. In case of an emergency admission, Religare should be informed of the same within 24 hours of admission on the number 1800-200-4488. If the hospitalisation is planned, the intimation should be done 48 hours in advance on the number 1800-200-4488 or the email address
  2. The details required during this procedure will be the following –
    • Policyholder’s name
    • Claimant’s name and customer ID
    • Details of the hospital
    • Details of diagnosis and treatment
    • An approximation of the claim amount
    • Date of admission

Documents Required:

The claim form can be downloaded from Religare’s website and along with the filled up form, the following documents need to be provided –

  1. The original copy of the claim form, fully filled and duly signed
  2. Government approved valid photo ID proof
  3. Referral letter from medical practitioner advising hospitalisation
  4. Letter from medical practitioner detailing the list of tests, medications and consultations if any
  5. Original copies of bills, receipts and discharge card from the hospital or the medical practitioner
  6. Original copies of bills or receipts from pharmacies or druggists involved
  7. Original copies of tests and reports done along with payment receipts
  8. Indoor case papers
  9. If applicable, the First Information Report and the Final Police Report
  10. Original copy of the post mortem report, if conducted

The above list of documents are the bare minimum necessities. Religare might require additional documentation as and when needed.

The above mentioned list of documents and the claim form needs to be sent via post to the address at –

Religare Health Insurance Company Limited,

Claims Department,

GYS Global, A-3, 4, 5, Sector-125, Noida,

Uttar Pradesh - 201 301

Claims Process for Reimbursement Cases:

Once the filled claim form along with the relevant documents is received by Religare, is initiated and the following happens –

  1. The in-house medical team of Religare reviews the case and documents received
  2. The case if approved, will cause the reimbursement of funds to be processed and the procedure will be completed within a week and a fortnight. Intimation of the same will be sent to the claimant
  3. In case the request has incomplete information, the same will be intimated to the claimant and requisite details will be requested to ensure claim resolution at the earliest
  4. In case of request rejection, the reason will be mentioned for the same and an intimation letter will be sent to the claimant. If there are further documents to strengthen the case, the same will be studied and the claim can be reopened for review.

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