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Why Buy Religare Health Insurance Policies?

Published On Oct 04, 2019 5:30 AM By Prashant Srivastava

In this day and age, we often ignore our health. And at times, this leads to serious health issues. Critical illnesses, lifestyle diseases are posing threats to our lives. The ever-rising medical cost is putting a question mark on getting the best treatment. All these scenarios make us realize the importance of health insurance . Thanks to the health insurance provider like Care Health Insurance formerly Religare Health Insurance Company that offers a wide range of health insurance policy with comprehensive coverage.

About Religare Health Insurance Company

Religare Health Insurance Company ranks among top standalone health insurance companies in India. Coming up with a range of insurance products, it caters to the medical needs of people from every walk of life. The unique features of its policies are coverage for pre-hospitalisation, post hospitalisation, family members, pre-existing illnesses, etc. Popular products of Religare Insurance are:

  • Care
  • Joy
  • Care Freedom
  • Critical Mediclaim
  • Care Senior
  • Assure
  • Care Heart
  • Super Mediclaim
  • Enhance

Features of Religare Health Insurance

The health insurance policies of Religare come up with unique features, such as:

  • Comprehensive and wide coverage
  • Flexible sum insured with an option to choose deductibles
  • Cashless treatment at 6,000+ network hospitals
  • Expenses incurred on maternity
  • No upper-limit for annual health check-ups
  • Lifelong renewability option
  • Cover for the pre-existing disease after a waiting period

Religare Health Insurance Policies

Religare has in store a variety of health insurance plans that can cater to the medical needs of everyone. Let’s discuss popular insurance plans in brief:

  • Care: It’s a comprehensive policy, suitable for you and your family. It has 5 different variants Care 3 (Super Saver), Care 4 (Elite), Care 5 (Elite Plus), Care 6 (Global), and Care 7 (Global Plus). Read more.
  • Care Freedom: This plan is loaded with unique benefits. It is suitable for people of every age group. It covers all medical expenses and requires no pre-policy medical check-up. Read more.
  • Critical Mediclaim: This policy has been specifically designed to cover critical illnesses such as cancer, stroke, paralysis, kidney problems, major organ surgeries, etc. The cover is available on an individual basis only. However, up to six members can be covered. Read more.
  • Religare Joy: It’s a maternity-oriented health insurance plan with two variants: Joy Today and Joy Tomorrow. It covers maternity expenses and can extend the cover for a newborn baby. Read more.
  • Care Senior: Care Senior policy is for senior citizens. The plan is basically for those individuals who are above 61 years of age. It allows you to add family members, such as self, spouse, father, and mother. Read more.
  • Assure: A fixed benefit health insurance plan that provides cover for personal accident contingencies and critical illnesses. The coverage is comprehensive and unique because two specific cover benefits are combined under an umbrella cover. Read more.
  • Enhance: Religare Enhance is a super top-up health insurance plan, which comes with no medical test for the Sum Insured up to Rs. 40 Lakh till 50 years. It increases coverage at lower premiums. Read more.
  • Care Heart: Care Heart by Religare has been designed for people suffering from heart-related ailments. It provides health check-up for free. It’s available only for adults aged 18 years and above. Read more.
  • Super Mediclaim: This is a unique product of Religare as it comes with different types of variants, namely Critical Mediclaim, Cancer Mediclaim, Heart Mediclaim and Operation Mediclaim. Read more.

Religare Add-on Covers

The health insurance products of Religare Insurance Company come with several add-on benefits to enhance the basic coverage. Here is a list of add-on covers.

  • No Claim Bonus Super - This cover doubles the Sum Insured in 2 years if you make no claim under the Care plan. It lets you increase your earned NCB from 60% of the basic SI up to a maximum of 150%.
  • Everyday care: With this add-on benefit, you can get 1% of SI for consulting a doctor and diagnostic tests.
  • Personal accident cover: With this add-on cover, you can get cover for Accidental Death and Permanent Total Disability for up to 10 times of the sum insured.
  • Second Opinion - This add-on product lets you get a second opinion on health-related issues.
  • Global Coverage - Global Coverage product provides the policyholder with quality health care overseas on a cashless basis.
  • Air Ambulance- This add-on benefit gives you the right to get cure despite you are miles away and you might be recommended treatment which is not in your city.   
  • Smart Select: By opting for this add-on product, you can get discounts on policy premiums.

Also Read 

Benefits of United India Health Insurance Policies

Types of Health Insurance Plans Offered by Religare Health Insurance


With the above information, it is clear that Religare has different insurance policies to meet different medical requirements of people. Right from individuals to family to senior citizens and those suffering from critical illnesses, this insurance company is the right choice for everyone. When choosing a health insurance plan, just make sure that it is suitable for you and your family. 

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