Religare Enhance is a super top-up health insurance policy that pays any additional claim amount beyond a certain basic sum paid by customer out of his own finances. This provides an additional safety net in the case of rising prices of healthcare.
Features & Benefits of Religare Enhance
|Entry Age||5 years to 75 years|
|Basis||Individual / Family floater|
|Policy Period||One/ Two or Three Years|
|Sum Assured||Starting from Rs. 1 lakh to Rs. 10 lakh|
|Premium||Starting from Rs. 2,610 for 1 lakh sum assured for 25-35 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.|
|Variants||Enhance has the following variants:|
Variant 1: Sum insured from Rs. 1 lakh to 25 lakh
Deductible: Existing sum assured or up to Rs. 1-5 lakh Variant 2: Sum insured from Rs. 6 lakh to 30 lakh
Deductible: Existing sum assured or up to Rs. 6-10 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.
Single private room
No limit on hospitalization expenses upto sum insured
Organ donor cover
No-claim based premium loading
|Benefits||170 day care treatments, plus hospitalization expenses if it exceeds a day. Cashless treatment at any of 4100+ network hospitals.|
Complimentary comprehensive health check-ups for primary policy holder and members covered as adult every year.
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.
|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?