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Types of Health Insurance Plans Offered by Religare Health Insurance

Published On Oct 14, 2019, Updated On Dec 04, 2020

Care Health Insurance is one of the top health insurance companies in India. It is a standalone health insurance company, offering different types of health insurance products to individuals, families, children, senior citizens, expecting mothers and corporate employees. Facilities like direct claim settlement, cashless treatment, reimbursement option, no claim bonus, global coverage on the cashless basis are a major plus. Within a short span, RHI has made significant growth, and currently operating out of 70+ offices.

Mentioned below is an overview of the top health insurance policies provided by Care Health Insurance formerly Religare Health Insurance.

1. Care Plan:

Religare Care Plan is a comprehensive health insurance product, designed to cover self and family. It is available in 5 different variants:

  • Care 3 (Super Saver)
  • Care 4 (Elite)
  • Care 5 (Elite Plus)
  • Care 6 (Global)
  • Care 7 (Global Plus)

The automatic recharge of the sum insured at no extra cost and free health check-up facility makes this plan one of the most wanted health insurance covers. The sum insured under the plan starts from Rs. 4 Lakh to Rs. 6 Crore. The minimum entry age is 91 days and no cap on maximum age.

Key Features and Benefits

  • The option of lifelong renewal
  • Up to 150% increase in sum insured with NCB Super
  • Annual health check-up for all members covered under the policy
  • Pre and post hospitalization (30-60 days respectively)
  • Coverage for worldwide treatment, maternity expenses, etc.
  • The option to get a second opinion
  • Premium discounts if you opt for a longer policy term
  • Tax benefit under Section 80D of the Income Tax Act
  • Several optional coverage benefits under the Care plan

2. Joy Plan:

A maternity-based plan, Religare Joy comes with two variants: Joy Today and Joy Tomorrow. Besides covering maternity expenses, the plan also extends its coverage to a newborn baby and other treatment-related expenses. It offers free health check-up to all insured members in the floater plan and comes with the sum insured options between Rs. 3 Lakh and Rs. 5 Lakh.

Under the family floater, a maximum of four members can be covered, including two adults and two dependent children. Individuals from 18 years to 45 years can buy the policy while children from day 1 to up to 24 years are covered.

Key Features and Benefits

  • Lifetime policy renewal option
  • No Claim Bonanza: An optional bonus of 100% of the sum assured if no claim made during the 3-year policy tenure
  • Ambulance Cover up to Rs. 1000 per claim
  • Cover for expenses incurred during 30 days pre hospitalisation
  • Cover for expenses incurred during 60 days post hospitalisation
  • Cover for inpatient treatment like room rent, boarding and nursing expenses, etc.
  • Only 9 months waiting period for maternity related expenses in Joy Today and 24 months in Joy Tomorrow
  • Cover for newborn babies
  • Daycare procedures covered that require less than 24 hours hospitalisation
  • Tax benefits are available

3. Care Freedom Plan:

The Care Freedom plan by Religare Health Insurance lets you get health insurance without caring for your current health status. It is the plan for senior citizens, providing coverage between Rs. 3 Lakh to Rs. 10 Lakh for the policy term of one, two, and three years. The minimum required age to enter the plan is 90 days. However, there is no upper limit for the same. It also extends its coverage to individuals who have been successfully cured of tuberculosis disease and also provides cover for multiple pre-existing ailments such as diabetes, hypertension, high cholesterol and BMI less than 37.

Key Features and Benefits

  • Lifelong renewability with this plan
  • Annual free health check-up available under this plan
  • Cashless treatment at 11000+ top hospitals worldwide
  • Automatic recharge of sum insured
  • Pre-hospitalisation expenses for 30 days
  • Expenses for post-hospitalisation for 60 days
  • Available on an individual as well as family floater basis
  • Consumable allowance is paid on per day basis
  • Companion benefit on being hospitalised for more than 10 consecutive days
  • Coverage for dialysis if the insured undergoes dialysis for kidney failure
  • Tax benefits are available
  • No pre-policy medical checkup
  • Only 2 year waiting period for pre-existing diseases

4. Enhance Plan

It is a super top-up health insurance plan for individuals who have already purchased a Religare Health Insurance policy. It enables you to bear excess medical costs without feeling the pocket pinch yourself.

Key Features and Benefits

  • Pre and post hospitalisation
  • Expenses coverage for a room, nursing expenses, ICU, anesthesia, blood, and oxygen, etc.
  • Costs of treatment of organ donor
  • The expense incurred on treatment and procedure anywhere in the world
  • Free annual health checkup for self and the entire family
  • Tax benefit under section 80D of the Income Tax Act

5. Assure Plan

Assure Plan by RHI is a plan that covers personal accident and critical illnesses. It also covers accidental death and permanent total disablement with other coverage benefits.

Key Features and Benefits

  • Sum insured ranges from Rs. 5 Lakh up to Rs. 1 Crore
  • 100% sum insured is paid in case of accidental death
  • Coverage for child education up to 10% of the sum insured
  • Free health check-ups and medical second opinion
  • Policy term 1 year, 2 years or 3 years
  • Covers 20 critical illnesses like stroke, cancer, etc.
  • Tax benefits are available

6. Care Senior Plan

A health insurance plan for the second innings of your life, Care Senior has been specially curated for individuals of 61+ age. It is suitable for those who have been retired and have no regular income.

Key Features and Benefits

  • Individual and floater covers available
  • In-patient hospitalisation care
  • 30 days pre and 60 days post-hospitalisation cover
  • Annual Health check-up for all insured persons
  • Optional OPD care
  • Automatic recharge of Sum Insured
  • Save Tax as per Income Tax Act, 1961

Final Words:

These are the best plans of Religare Health Insurance Company. Besides them, the insurance company has many other policies to offer, namely Critical Mediclaim, Care Heart, and Super Mediclaim.

Also, Read

A Perfect Health Insurance Plan for Your Parents

If you want to purchase Religare health insurance policy, choose any plan as per your medical needs and eligibility. For more details about the Religare health insurance policy, you can dial toll-free number 1800-120-5698. 

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