Religare Health Insurance

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7,400+ Network Hospitals

6,91,739 Policies Issued

55% Incurred Claim Ratio

Lifelong Renewability

92.83% Claim Settlement Ratio on FY19

100% In-House Claim Settlement

Coronavirus (COVID-19) Cover

About Religare Health Insurance

Religare Health Insurance is a standalone health insurance company that renders insurance services to individuals, families and corporates. The organisation is a joint venture of Reliance Enterprises Limited, Corporation Bank, and Union Bank of India. The company has invested its focus on the application of advanced technology to deliver innovative products, value for money services, and incredible customer support. 

When it comes to offerings, Religare Health Insurance tends to deliver a lot of products in the retail segment such as Critical Illness Cover, Personal Accident Cover, Top-up Cover, Maternity Cover, in addition to Group Health Cover and Group Personal Accident Cover for businesses. 

For its unparalleled services the company has been awarded the 'Editor's Choice Award for Best Product Innovation' at Finnoviti and the 'Best Medical Insurance Product Award' at The FICCI Healthcare Awards. Religare has also been conferred with 'Best Health Insurance Company' at the ABP News-BFSI Awards & 'Best Claims Service Leader of the Year – Insurance India Summit & Awards. 

How to Buy Religare Health Insurance at InsuranceDekho?

You can buy a Religare Health Insurance Policy through online and offline modes at InsuranceDekho. 

Buy Religare Health Insurance Online at InsuranceDekho

You can follow the below-mentioned step to buy a Religare Health Insurance plan online at InsuranceDekho:

Step 1: Visit and select the health tab.

Step 2: Choose your Gender and enter your Name and Mobile Number. On entering these details, you will receive an OTP, please enter that.

Step 3: Select the time when you want to purchase the policy. Click on the ‘View Instant Quotes’ button to proceed.

Step 4: Choose family members you want to add in your plan along with yourself. 

Step 5: Select the age of the chosen family members and click ‘Continue’.

Step 6: Fill in your Email ID and City and click on the ‘Submit and View Quotes’ button. Several policy quotes will be displayed as per your selections. Select the plan that suits your requirements in the best manner.

Step 7: Select the policy period of the chosen health insurance policy, enter the required details and make the payment. 

Buy Religare Health Insurance Offline at InsuranceDekho

To buy a Religare Health Insurance plan offline at InsuranceDekho, you can call us at 7551-196-989 any day of the week (Monday-Sunday) between 9.30 AM to 6.30 PM. 

For any assistance, please feel free to write to us at

Top Religare Health Insurance Plan Types

Religare has several health insurance plans to offer its customers. However, here is a list of its top 5 health insurance plans: 

  1. Religare Care Health Insurance Plan - It is a complete health insurance policy designed to offer coverage for medical costs incurred due to any illness or injury suffered by policyholders. 
  2. Religare Care Freedom Health Insurance Plan - It is a policy that aims to deliver unique benefits to people suffering from diabetes, high BMI, or high BP and covers treatment costs of such diseases. 
  3. Religare Care Heart Health Insurance Plan - This insurance plan covers the pre-existing heart illnesses. It is meant to cover the cost incurred due to any medical emergency which may occur with cardiac patients. 
  4. Religare Care Senior Health Insurance Plan - It is an insurance policy for senior citizens, i.e., people above 61 years of age. This plan offers them coverage  for their medical emergencies post-retirement.
  5. Religare Joy Health Insurance Plan - This is an insurance plan that offers coverage for maternity related expenses. Apart from pregnancy, it is also meant to compensate for the costs incurred on medical requirements of newborn babies.

What Is A Health Insurance Top-up Plan and Why Should I Buy It?

A top-up health insurance is an additional coverage which you can add to your existing health insurance plan. The benefit of a top-up plan is available only after the threshold limit or the deductible of your existing plan gets crossed. It  can be taken only by people who already have an existing insurance policy. You can avail the top-up insurance policy by paying an extra premium amount. By adding a top-up plan to your standard plan, you can ensure that your insurance coverage does not fall short during hospitalisation or treatment of self or any of your family members. Basically, it helps increase your health insurance coverage at affordable premiums. 

Religare Health Insurance offers a top-up plan known as Religare Enhance Plan. It is an extra coverage providing plan that functions on the principle of the deductible. It gives multiple deductible options to choose with different sum insured amounts that range up to Rs. 60 lakhs, including deductible. The plan is loaded with several benefits like annual health-check up, organ donor cover, daycare treatment, and many more. 

Why Choose Religare Health Insurance?

Religare Health Insurance holds a lot of feathers in its cap that makes it a great insurer to opt for. Here are some reasons which make it an ideal choice for health insurance plans:

  • High Claim Settlement Ratio - Claim Settlement Ratio is the percentage of claims successfully settled by an insurance company out of the total claims received by it in a financial year. Religare has achieved an excellent claim settlement ratio of 92.83% in the financial year 2018-2019.
  • Active Customer Support - The customers of Religare can reach to its customer care team any time to get their health insurance queries resolved. Religare health Insurance offers its policyholders 24x7 claim support service handled by an experienced and qualified team of professionals.
  • Quick Cashless Claim Approval - The claim settlement team of Religare Health Insurance is incredibly well in settling health insurance claims. They claim to settle the maximum of their cashless claims in just 2 hours, offering great experience to policyholders.
  • Wide Network of Hospitals - The insurer has partnered with 7,400+ hospitals where its policyholders can get the cashless medical treatment. With such a wide network you can easily find a network hospital nearby your location. 

Benefits of Religare Health Insurance

Following are the benefits which you can enjoy with a Religare Health Insurance Policy:

  • Auto Recharge Feature - During any health emergency, a financial crisis could be a nightmare. Hence, auto recharge of policy sum insured features offered with Religare Health Insurance plans can get you an immediate recharge after your sum insured gets exhausted.  
  • Modern Treatments - Religare Health Insurance plans offer advanced level medical treatments while taking care of all your financial worries. The insurer offers coverage for modern treatments like Robotics Surgery and HIV/AIDS under Religare Insurance. 
  • Health Earning - With this benefit, the policyholders can gain up to 25% of return of their premium amount by inviting their colleagues, friends and family members to get insured under Religare Health Insurance. 
  • Easy Portability Option - The Religare Health Insurance plans offer an easy option to customers who want to switch their existing insurance plans. It takes a small process to go through which includes premium check, filling existing insurance details and payment completion. 
  • Lifetime Renewability -  The policyholders can get themselves insured under Religare Health Insurance for lifelong with this lifetime renewability feature. To avail this offering, you just have to renew your health insurance plan at the end of its policy term, which may vary as per your selection.

Religare Health Insurance Claim Settlement Ratio 

The Claim Settlement Ratio of Religare Health Insurance has been consistently high during the past years. With impressive claim settlement ratios, Religare Health Insurance has managed to win the trust of its current and potential policyholders over the years. Following are the Claim Settlement Ratios of Religare over the last 2 financial years:

Financial Year

Claim Settlement Ratio

FY 2017-2018


FY 2018-2019


(Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 3rd & 4th Edition)

Network Hospitals of Religare Health Insurance

Only the hospitals which are a part of an insurance company’s network offer cashless claim facilities. Thus, the wider the network of cashless hospitals, the better it is as it is easier for the policyholder to seek medical treatment easily and in a hassle-free manner. Religare Health Insurance has more than 7,400 hospitals in its network where it offers cashless settlement of claims. 

Religare Health Insurance Policy Terms

The following are the important terms of health insurance plans offered by Religare Health Insurance. However, these terms may vary from plan to plan offered by the insurer.

Minimum Age of Entry

91 days

Maximum Age of Entry

No Limit

Policy Renewal

Religare Health Insurance policies come with a lifetime renewability option. They can be simply renewed in their actual form as well as in their closest substitute recognised by IRDA


No co-payment is applicable if the age of the eldest insured member is less than 61 years. A co-payment of 20% is applicable if any member covered under the plan is aged above 61 years

Waiting Period

Religare Health Insurance plans come with a waiting period of 30 days for all the illnesses, except injury. However, the waiting period of 4 years of continuous coverage is applicable for pre-existing ailments

Religare Health Insurance Claim Process

A Health Insurance claim refers to the process wherein a  policyholder requests the insurer to compensate for the expenses incurred by them during a medical emergency, illness or accident. A health insurance claim can be settled in two ways - cashless claim and reimbursement claim.

How To Make A Religare Health Insurance Cashless Claim?

When a policyholder gets the medical treatment at a hospital which is a part of Religare Health Insurance’s network, then the claim is settled in a cashless manner. That is under a cashless claim, the policyholder is not required to pay to the hospital as Religare Health Insurance pays directly to the hospital subject to the sum insured. 
You can raise a cashless claim with Religare Health Insurance by following the below-mentioned steps:

Step 1: Intimate the Insurer
Call and inform Religare Health Insurance at 1800-102-4488 within 24 hours of hospitalisation in case of emergency admission. If the hospitalisation is planned, inform the insurer 48 hours before hospitalisation at the same number or by writing to them at

Step 2: Get Pre-Authorisation Of Claim
Get a pre-authorisation form from the hospital’s insurance department or TPA desk. Duly fill and sign it and submit it to the insurance or TPA desk of the hospital so they can send it to the Religare Health Insurance. 

Step 3: Verification of Documents
The in-house medical team of Religare Health Insurance will review the case and documents submitted. 

Step 4: Claim Approval
If the authorising team requires any other detail or document, they will intimate the hospital to provide the same. In case the request is disapproved, the insurer will inform you and the hospital about the same with the reasons.

Step 5: Settlement of Claim 
If the pre-authorisation request is approved, the hospital and you will be informed about the same and the expenses will be paid off. 

How To Make A Religare Health Reimbursement Claim?

When a policyholder gets medical treatment in a hospital that is not a part of Religare Health Insurance network hospitals, then the claim settlement is of reimbursement type. Under this process, the policyholder is required to pay for all the medical expenses they go through. The policyholder can later raise a request for reimbursement of the incurred expenses from Religare Health Insurance subject to the sum insured. 

Follow the below steps to raise a Religare Health Insurance Reimbursement Claim:

Step 1: Intimate the Insurer
Intimate Religare Health Insurance at 1800-102-4488 within 24 hours of hospitalisation, in the case of emergency. Whereas, in the case of planned admission, inform the insurance provider 48 hours prior to hospitalisation. 

Step 2: Provide Information 
Provide the information of hospitalisation and other medical details to insurer such as:

  • Name of the policyholder
  • Customer ID 
  • Details of the hospital
  • Treatment and diagnosis details
  • Date of hospitalisation
  • Amount of claim 

Step 3: Submit Required Documents
Get the insurance claim form from the website of Religare Health Insurance or from the hospital. Duly fill and sign the form to send it to the insurer with the required document that may include:

Documents Required For Religare Health Claim Reimbursement

  • Valid ID proof

  • Doctor’s letter advising admission

  • Doctor’s prescription for medical tests, medicines, consultations etc. 

  • Original receipts, bills, and discharge forms signed by the doctor

  • Original bills from pharmacies

  • Original diagnostic test reports, radiology reports and payment receipts

  • First Information Report (FIR), in a police case

  • Post Mortem Report, if applicable, etc. 

Step 4: Verification of Documents
In-house medical team of Religare Health Insurance will review the form and documents. In case they find any details they may ask you to submit them too. If your claim gets rejected, you will be conveyed the same with the valid reasons. 

Step 5: Settlement of Claim
If the insurance provider approves your claim request, you will be informed and will be provided your claim amount. 

Religare Health Insurance Renewal Process

To continue to stay covered against the soaring costs of medical treatments, it is important to renew your health insurance policy with Religare Health Insurance. You can also enhance your plan during renewal to combat the medical expenses in future. This will help you keep availing the benefits offered by the insurer and stay insured in times of medical emergencies. 

Here are the simple steps to renew your health insurance cover with Religare Health Insurance : 

Step 1: Visit the official website of Religare Health Insurance i.e.,

Step 2: Go to the ‘Renew’ section available on the website. 

Step 3: Enter your existing policy details such as Policy Number, Date of Birth, and Contact Number and click on the ‘Let’s Renew’ button. 

Step 4: Review the insurance policy details and premium amount for renewal. 

Step 5: Pay for the amount online using any of the multiple payment options available.

Religare Health Insurance Tax Benefits

Owning insurance plans of Religare Health Insurance can save your income in addition to protecting you in case of medical contingencies. Refer to the table given below to find the details of the tax benefit that policyholders can avail with a Religare Health Insurance plan:


Premium Paid

Deduction under Section 80D of the Income Tax Act

Self, Family, Children


When Policyholder and Parents are below 60 years

Rs. 25,000

Rs. 25,000

Rs. 50,000

When Policyholder and family members are below 60 years with parents above 60 years

Rs. 25,000

Rs. 50,000

Rs. 75,000

When Policyholder, family members and parents are above 60 years

Rs. 50,000

Rs. 50,000

Rs. 1,00,000

Members of HUF

Rs. 25,000

Rs. 25,000

Rs. 25,000

Non-resident Individuals

Rs. 25,000

Rs. 25,000

Rs. 25,000

Religare Health Insurance Premium Calculation

There are a number of factors that affect the amount of your health insurance policy. The awareness of such factors can help you choose a policy as per your budget and requirements. Here are the factors that can impact your Religare Health Insurance Premium Calculation: 

  • Age - The higher your age will be, the higher the premium amount will be. Hence, it is highly recommended to buy a health insurance policy as early as possible. 
  • Pre-Existing Medical Conditions - Policyholders with pre-existing illnesses may get their plans rejected or find them at high premium. If the insurer does not cover the pre-existing ailment in its plan, then you may have to bear their expenses on your own. 
  • Unhealthy Lifestyle/Habits - Insurance providers offer insurance covers at quite higher premium costs or even refuse to provide any coverage to people with unhealthy lifestyle/habits such as smoking, chewing tobacco, etc., as they are more prone to illnesses. 
  • Sum Insured - It is the maximum amount up to which you can request a claim from your insurer during a medical crisis. The higher the sum insured you will opt for, the higher the premium amount you will have to pay. Hence, choose the sum insured amount accordingly. 
  • Nature of Job - If your profession makes you work in an environment where you get exposed to hazardous substances, chemicals, radiations or follow occupations with higher chances of injuries such as constructions, then you will have to pay higher premiums as you are prone to diseases/injuries.

Religare Health Insurance Plan Inclusions

You can enjoy the following inclusions under health insurance plans offered by Religare Health Insurance :

  • In-patient Hospitalisation - It covers the medical costs incurred due to hospitalisation of insured members for at least 24 hours. It offers the coverage for room rent, nursing expenses, doctor’s fees, ICU charges and so on. 
  • Daycare Procedures - It compensates the medical costs that may arise if you undergo any day care procedure that does not need your stay in the hospital for even. Religare provides 540+ day care treatments. 
  • Domiciliary Hospitalisation - It applies in a situation when an insured person could not get admitted to hospital and required to be treated at home only. Then this benefit will cover the cost of treatment at home for more than 3 successive days.
  • Emergency Ambulance - It gives the coverage for the expenses incurred on the emergency ambulance service availed during hospitalisation. 

What Are The Exclusions of Religare Health Insurance policy? 

Health insurance plans offered by Religare Health Insurance come with the following exclusions:

  • War Situations - The Religare Health Insurance will not cover any injury or disease suffered by the insured person caused due to war, civil war, riots, or any invasion. 
  • Self-inflicted Injury - No cover is offered for expenses attributable to self-inflicted injuries incurred in incidents such as suicide attempt or suicide.
  • Cosmetic Surgery - No compensation will be provided to insured persons for undergoing any aesthetic procedure, obesity treatment or plastic/cosmetic surgery. 
  • Venereal Diseases - Religare Health Insurance is not liable to pay any coverage to policyholders for the treatment of sexually transmitted or venereal diseases. 
  • Risky Events - Treatment of injuries caused due to the participation in any adventurous or risky sport or event will not be covered by the Religare Health Insurance. 

The above inclusions and exclusions may vary from plan to plan offered by Religare Health Insurance.

Religare Health Insurance Plan List

Name of PlanSum Insured
CareMin: 91 Days; Max: No Limit4 Lakh Get Quotes Now
JoyMin: 1 Day; Max: 65 Years3 Lakh Get Quotes Now
Care FreedomMin: 90 Days; Max: No Limit3 Lakh Get Quotes Now
Critical MediclaimMin: 5 Years; Max 50 Years10 Lakh Get Quotes Now
Care SeniorMin: 61 Years; Max: No Limit3 Lakh Get Quotes Now
AssureMin: 18 Years; Max: 65 Years5 Lakh Get Quotes Now
Care HeartMin: 18 Years; Max: No Limit2 Lakh Get Quotes Now
Super MediclaimMin: 91 Days; Max: No Limit1 Lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Get Quotes Now

Religare Health Insurance Top Up List

Name of PlanSum Insured
EnhanceMin: 1 Day; Max: No Limit1 Lakh Get Quotes Now

Claim Process at Religare Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

1047 Religare Health Insurance Cashless Network Hospitals in India

Religare Health Insurance User Reviews

  • High Claim Settlement Ratio

    I purchased Religare Arogya Sanjeevani Policy from InsuranceDekho last month because the insurer has a good Claim Settlement Ratio. When I made a clai...

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    Rajat Kukreja
    On: Jun 17, 2020 | Views
  • Good policy for family

    Religare Arogya Sanjeevani Policy is a good health insurance policy for families that covers us against many healthcare expenses. Also, I was looking ...

    Read More
    Farah Jindal
    On: Jun 17, 2020 | Views
  • Good services by InsuranceDekho

    I had heard about good services of InsuranceDekho but experienced it myself too when I recently purchased Religare Arogya Sanjeevani Policy for myself...

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    Vinny Yadav
    On: Jun 17, 2020 | Views
  • Easy to understand policy

    Religare Arogya Sanjeevani Policy is a great policy that not only offers wide coverage to me and my family but is easy to understand too. I purchased ...

    Read More
    Shreya Aggarwal
    On: Jun 14, 2020 | Views
  • Nice features under the plan

    I recently bought Religare Arogya Sanjeevani Policy from InsuranceDekho because it offers cover against basic healthcare expenses in case of hospitali...

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    Gauri Kapoor
    On: Jun 13, 2020 | Views
  • Amazing policy offered by InsuranceDekho

    Religare Health Insurance’s Joy plan is the best plan I could have purchased for myself. It suits my requirements and comes at an affordable pre...

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    Jay Soni
    On: Jun 04, 2020 | Views
  • Good services...

    Insurance Dekho never disappoints me with its services. Not only their team helped me buy Religare Care Health Insurance online, but also provided me ...

    Read More
    Deepak Khurana
    On: Jun 03, 2020 | Views
  • Good suggestion

    Religare Health Insurance offers good health insurance plans. I thank the team at Insurance Dekho who suggested the Joy plan for me and my family. It ...

    Read More
    Vikram Singh
    On: Jun 02, 2020 | Views
  • I got the best health insurance plan

    The team at InsuranceDekho helped me choose the best plan suitable for me and my family. They suggested to me Religare Health Insurance’s Care P...

    Read More
    Muztaba Khan
    On: Jun 01, 2020 | Views
  • Glad to have chosen Insurance Dekho

    I purchased Religare Health Insurance’s Care Freedom plan from Insurance Dekho for my grandparents. The plan offered many benefits and Insurance...

    Read More
    Raj Bhargav
    On: May 30, 2020 | Views
  • Best Health Plan

    I purchased Religare Care health insurance plan for my wife with the help of a knowledgeable team of insurancedekho. It's the best health plan for...

    Read More
    Subham Sharma
    On: May 29, 2020 | Views
  • Great Platform to Secure your Family

    Religare Health Insurance is the most joyful plan I have ever had. I took it while planning a baby. I easily spent the maternity period without any fi...

    Read More
    Ramesh Aggarwal
    On: May 28, 2020 | Views
  • Smooth claim settlement process.

    I had heard about Religare Health Insurance’s Care Freedom policy from a friend who had purchased it and was satisfied with the claim process. I...

    Read More
    Vishu Sahni
    On: May 27, 2020 | Views
  • Amazing benefits

    I got a care plan offered by Religare Health Insurance that offers me many benefits. These are-cover for daycare treatment, in-patient care, pre and p...

    Read More
    Ragini Kumble
    On: May 26, 2020 | Views
  • InsuranceDekho - a good company

    I have bought Care plan of Religare with the help of InsuranceDekho. And I have a good experience with the team at InsuranceDekho.

    On: Mar 31, 2020 | Views
  • A great plan for me!

    This is a unique plan for patients suffering from heart related diseases. I have used this plan for more than one year. This is an exclusive scheme wh...

    Read More
    Shiv Raman Prasad
    On: Mar 02, 2020 | Views
  • It deserves applause

    The care heart plan has the biggest heart. It gave me every possible help from benefits to claim settlement process. The customer team is brilliant an...

    Read More
    Mayank Chandra
    On: Mar 02, 2020 | Views
  • A plan for lifetime.

    The Super Mediclaim is a very fine plan in my view. I am using it for more than a year. It has been a great deal as it offered me extensive coverage n...

    Read More
    Roshan Tiwari
    On: Mar 02, 2020 | Views
  • Suitable plan for Me

    I want to take a moment to appreciate this plan. This has really surprised me with its features and services. This is a suitable and useful plan for m...

    Read More
    Minakshi Chopra
    On: Mar 02, 2020 | Views
  • A true friend..

    This Enhance health plan gave me a reason to stay calm during a medical emergency.. this top-up plan provided me with an additional financial assistan...

    Read More
    Harsh Tyagi
    On: Mar 02, 2020 | Views

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Religare Health Insurance Contact Details

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Religare Health Insurance FAQs

  • How to buy and apply for Religare Health policy?

    You can buy and apply for any Religare Health Insurance Policy online from the official website of Religare Health Insurance at or through online broker’s website like

  • Why should I buy a Religare Health Insurance Policy?

    Religare Health Insurance provides a comprehensive health insurance plan along with personal accident cover and critical illness cover. This ideal combination meets all of your family member’s health requirements making it a suitable option.

  • What is the toll-free customer care number of Religare Health Insurance?

    The toll-free number of Religare Health Insurance is 1800-102-4488.

  • What is the address of Religare Health Insurance?

    The correspondence address of Religare Health Insurance is- Religare Health Insurance Company Limited, Vipul Tech Square, Tower C, 3rd Floor, Sector-43, Golf Course Road, Gurgaon-122009

  • What is the Claim Settlement Ratio of Religare Health Insurance?

    Religare Health Insurance had a Claim Settlement Ratio of 93%.

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