Care Health Care Insurance Plan

This add-on cover waives off 20% co-payment under your health insurance policy, in case of a claim. It is not mandatory to buy this add-on but is recommended for enhanced coverage.

Daily allowance add-on offers coverage for several non-medical expenses, for instance, food, transportation, etc.

This add-on covers you for 2% of the sum insured for doctor’s consultation as well as diagnostic tests. Kindly note that the benefit is above the in-built coverage offered under the policy.

This add-on cover allows you to avail cashless treatment at network hospitals that are located outside the geographical boundaries of India. This provides greater options to the insured to avail the required treatment.

As far as the inbuilt coverage benefits are concerned, the plan offers almost every feature. You would find coverage for pre hospitalisation, post hospitalisation, inpatient hospitalisation, domiciliary treatments, organ donor expenses, AYUSH coverage as well as coverage for a medical second opinion, free health check-ups for all members, etc. Along with these, you would also find coverage for the following benefits -

• The sum insured is restored if it gets exhausted in any policy year. This restoration is available up to the full basic sum insured.
• For higher coverage variants where the sum insured levels are also high, there is coverage for worldwide hospitalisation, maternity-related expenses, vaccination, etc.
• An international second opinion which gives you a second opinion from an international medical practitioner is also available under higher plan variants
• Global coverage which covers hospitalisation anywhere across the world is available under Global Plus plan variant
• No claim bonus increases the sum insured by 10% every year when there is no claim in the previous policy year
• Optional coverage benefit for everyday care which covers outpatient expenses
• Unlimited auto recharge which reinstates the sum insured unlimited times during a policy year is available as an add-on benefit
• Air ambulance cover and personal accident cover is also offered as an optional coverage benefit
• Along with no-claim bonus, there is an optional benefit of no claim bonus super which allows a 150% additional increase in the sum insured

Besides the coverage benefits, other aspects of the plan are great too. These include the following - 

• The plan is renewable lifelong
• Family discount of 5% if 2 or 3 family members are covered and 10% if 4 to 6 members are covered under the plan
• Premium discount of 7.5% for buying a 2-year policy and 10% discount for buying a 3-year cover
• 10% discount if you are an existing customer having a policy of the company for the last 6 months or more
• Tax benefit under section 80D of the Income Tax Act

So, with so many benefits, the plan is a great buy and can be bought as per your coverage requirements. Needless to say from coverage to optional benefits, each feature of the plan meets the medical emergency of an individual.

If you want to buy the plan it is conveniently available online on InsuranceDekho website wherein you can buy the plan easily and after a complete need analysis which helps you buy the most suitable cover for your needs.

Key features of Religare Health Care Plan are listed below: (i) No upper-limit for entry age (ii) No premium increase due to any claim made (iii) Get annual health check-up for all insured members - regardless of claims history (iv) Feature to reduce PED wait period (v) Get automatic policy recharge if claim amount exhausts your coverage, at no extra cost (vi) Avail treatment anywhere in the world (vii) Daily allowance to meet incidental expenses (viii) Ease of cashless treatment and settlement of claims directly by the company (ix) Options of sum insured ranges from Rs. 2 Lakh - Rs. 60 Lakh

The minimum age of entry for Religare’s Care Plan is 91 days.

There is no age bar for entry in Religare’s Care Plan. 

Pre-existing illnesses are covered after 4 years of continuous coverage in Religare’s Care Plan.