Know Everything About Religare Health Insurance Policy Details, Benefits and More
Updated On Nov 24, 2023
Ever wondered about health insurance and how it can make a big difference in your life? Well, you're in the right place! Today, we will discuss about one of the top insurers in the Health Insurance industry i.e. Religare Health Insurance Company. With plenty of benefits to offer, the company provides multiple Health Insurance plans on an Individual and Family Floater basis to provide financial protection during your tough times.
So, think of this guide as your friendly companion, helping you understand all the details about Religare Care health insurance plans and the awesome benefits they bring.
Table of Contents
Overview of Religare Health Insurance Company
Religare Insurance Company, now known as Care Health Insurance, specialises in delivering exceptional health insurance services to policyholders. Catering to both corporate employees and individual customers, the insurance company is rooted in a consumer-centric philosophy.
Religare's product portfolio spans the retail segment, covering Health Insurance, Critical Illness, Personal Accident, Top-up Coverage, International Travel Insurance, and Maternity. For corporates, the insurer provides Group Health Insurance and Group Personal Accident Insurance, offering comprehensive coverage tailored to organisational needs. Not only this but Religare Insurance has also received prestigious awards, including 'Best Health Insurance Company' at the ABP News-BFSI Awards.
This was just a brief about Religare Health Insurance Company. Let's now move forward and understand what plans it covers, the benefits the company offers, and more.
Different Religare Health Insurance Plans
Religare Health Insurance provides a diverse range of insurance plans that are as follows:
Family Health Insurance
Religare's Family Health Insurance, known as CARE, is a comprehensive plan designed for both families and individuals. Recognising that medical expenses extend beyond hospitalisation, CARE covers all financial requirements from diagnosis to recovery (subject to policy terms and conditions). This ensures you can focus on your treatment while the insurer takes care of the financial commitments.
Critical Illness Insurance
Critical Illness Insurance provides extensive coverage against major health issues such as cancer, significant heart ailments, organ transplants, and critical surgeries. This affordable indemnity-based product offers lifelong renewability, meaning the sum insured is available every year. It moreover provides financial support in case of a relapse of an ailment.
Maternity Insurance
Introducing JOY, Religare's innovative Maternity Insurance plan that addresses all concerns related to this new chapter in your family's life. JOY health insurance covers hospitalisation expenses during pregnancy and the post-hospitalisation phase, ensuring comprehensive and future-oriented maternity and health insurance needs.
Super Top-up Insurance
Super Top-up Health Insurance operates on the straightforward principle of a Policy Deductible. This predefined amount, borne by you through your finances or other insurance, is set for each medical event. Beyond the deductible, the insurance company will cover any additional amount according to the policy documents.
Super Mediclaim Insurance
Super Mediclaim is an Indemnity-based Health Insurance Product offering comprehensive coverage for critical illnesses like cancer, major heart ailments, organ transplants, and critical surgeries. This Religare health insurance plan provides flexibility with four plans: Critical Mediclaim, Cancer Mediclaim, Heart Mediclaim, and Operation Mediclaim, allowing you to choose based on your specific requirements.
Health Insurance for Senior Citizens
With Religare Health Insurance Company's Senior Citizen plan, you can safeguard your parents or elderly loved ones, providing them with the best healthcare facilities they need without financial worries. This plan includes features such as an annual check-up, tax benefits, pre and post-hospitalisation medical expenses, and a dedicated servicing team for guidance and support at every step.
Eligibility Conditions for Religare Health Insurance
While the majority of the plans adhere to standard eligibility criteria, it is advisable to review the particular plan for any specific conditions.
|
Minimum Entry Age |
Individual: 5 years Floater: 91 days with at least 1 insured person of age 18 years or above |
|
Maximum Exit Age |
Lifetime for Adults |
|
Tenure |
1, 2 and 3 Years |
|
Coverage Type |
Individual and Family Floater |
|
Grace Period |
30 days to Renew policy after expiry |
Critical Benefits of Religare Health Insurance Company
Mentioned below are the key benefits of Religare Health Insurance:
- In-Patient Care: Religare Care Health Insurance ensures comprehensive coverage for in-patient hospitalisation, giving you peace of mind during medical emergencies.
- Pre and Post-Medical Hospitalisation Expenses: The insurer covers not only your hospital stay but also related medical expenses before and after, ensuring your overall well-being.
- Ambulance Cover: Religare Health Insurance extends coverage for ambulance services, easing the financial burden during critical times of transport.
- Annual Health Check-up for All Insured Members: Regular health check-ups are on Religare! The insurer prioritises preventive care by offering an annual health check-up for every insured member.
- Day Care Treatments: For treatments requiring less than 24 hours of hospitalisation, their health insurance policies have got you covered. This means that you will get the necessary care without hassle.
- No Claim Bonus: Enjoy a No Claim Bonus for every claim-free year, enhancing your coverage at no extra cost.
- Tax Benefits: Religare Health Insurance not only safeguards your health but also brings you tax benefits under Section 80D, making it a smart financial move.
- Cashless Treatment in Network Hospitals: With Religare Care Health Insurance, experience seamless healthcare with cashless treatments in their extensive network hospitals, ensuring you focus on recovery rather than financial concerns.
Inclusions and Exclusions of Religare Health Insurance Company
Every plan has its own list of things it covers and doesn't cover. So, what the plan includes or excludes depends on the rules of that specific policy. But, generally, here's what is usually included and excluded:
Inclusions
- COVID-19 Treatment
- In-patient Hospitalisation
- Pre and Post-hospitalisation Medical Expenses
- Advanced Medical Treatments
- Daily Allowance
- Domiciliary Hospitalisation
- AYUSH Treatments
Exclusions
- Self Inflicted Injury
- Surgeries or diseases occurring within 30 days of the policy start date
- Hospitalisation due to war or riots
- Tests or treatments related to infertility
- Injuries under the influence of drugs or alcohol
Conclusion
Religare Health Insurance, now named as Care Health Insurance, stands as a reliable provider of comprehensive health insurance solutions. With a consumer-centric approach, the company caters to both individual and corporate needs, offering a diverse range of plans tailored to different requirements. This health insurance company aims to provide peace of mind during medical emergencies, ensuring that policyholders can focus on recovery rather than financial concerns.
Frequently Asked Questions
Ques 1. Is Care and Religare Health Insurance the same?
Ans. Yes, Care Health Insurance was formerly known as Religare Health Insurance. The company rebranded itself as Care Health Insurance.
Ques 2. Are Religare Care Health Insurance policies good?
Ans. Yes, the Religare Care Health Insurance policies are good but it can vary based on individual needs and preferences. It's advisable to review specific policy details and coverage to determine suitability.
Ques 3. Do Religare Health Insurance plans offer lifetime renewability?
Ans. Yes, Religare Health Insurance plans typically offer lifetime renewability, allowing policyholders to renew their coverage for the entire duration of their life, subject to policy terms and conditions.
Also Read: All You Need to Know About GST on Health Insurance
