Religare Health Insurance

Health Insurance Plans

Care Health Insurance Plan

With Religare Health Insurance plan’s comprehensive coverage, speedy claim settlements and much more, you can be rest assured you will be worry-free ‘hamesha’ and get industry’s best features.

Unique Features

Cashless treatment at 4758+ hospitals & Daily allowance

Auto recharge of your policy Sum Insured, if exhausted

Get health check-ups for insured members, every year

Avail treatment anywhere in the world

No ‘Claim based’ loading ever & Get Lifetime renewability

No paperwork. Buy & get policy online in 2 mins

Plan Details

We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.

If due to claims made, you ever exhaust your health cover, we recharge the entire sum insured of your policy for you, in the policy year. This is applicable on all policies. All this at no extra cost!

Our wish is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and members covered as adult in the policy, every year. Even if you make a claim with us! Just call our call center anytime, to schedule your appointment. It’s simple.

Our wish is your good health. To pre-empt you ever have to visit a hospital, you can avail our comprehensive health check-ups for yourself and members covered as adult in the policy, every year. Even if you make a claim with us! Just call our call center anytime, to schedule your appointment. It’s simple.

We want you there for you, for your entire life. That’s why none of our plans have any ‘Claim-based loading’ of premiums at the time of renewals. The Policy can also be renewed lifelong under the prevailing Health Insurance Product or its nearest substitute approved by IRDA.

After purchasing your policy, if you find it unsuitable, you can cancel the same with us. Our policy comes with a free look period of 15 days.

There’s still lot more we have for you! All our policies are eligible for claiming deduction for Tax Benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, Domiciliary hospitalization covered, Increase your Policy’s Sum Insured even later,10%discount on 3 year policy term and 7.5% Discount on 2 year policy terms, online instant health insurance buy and more.

Exclusion

Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.

Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)

Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

Medical expenses incurred for treatment of AIDS

Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

Congenital disease

Tests and treatment relating to infertility and in vitro fertilization.

War, riot, strike, nuclear weapons induced hospitalization.

Policy Terms

Policy Terms 
Minimum entry age91 days
Maximum ageNo age bar
RenewalLifelong Renewability. The Policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA.
Renewal premiumPremium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.
Co-paymentNo Co-payment in policy Sum Insured 3/4 Lacs, for any age.No Co-payment in policy Sum Insured > 4 lacs ever, if insured with us before age of 61.If above 61 while getting insured with us 1st time, – you will have to pay 20% of the claim amount under the policy, if any. We pay the rest.
Waiting period30 days for any illness except injury
Waiting period for pre-existing illnessesFour years of continuous coverage
Change in sum insuredYou can enhance your sum insured under the policy only upon renewal
Grace period30 days from the date of expiry to renew the policy

Joy Maternity focus Health Insurance Plan

At Religare Health Insurance we believe the miracle of life is one of the most joyous experiences one can ever have. That’s why we have designed ‘JOY’ -that not only covers hospitalization expenses during pregnancy but also addresses your maternity and health needs, for both today and tomorrow.

Unique Features

Cashless treatment at 4758+ hospitals

Cashless treatment at 4758+ hospitals

‘Waiting period’ of 24 months for maternity related claims.

New born baby cover

100% increase of sum insured with no claim bonanza

Plan Details

We want to ensure that you consistently stay healthy and happy. That’s why we have reduced the hassles by making JOY a 3 year policy. This means you don’t have to worry about policy renewal and instead, focus on what’s important – your baby.

Our Joy plan also enables you to avail of a tax benefit on the premiums you pay towards your health insurance, as per prevailing tax laws of the Income Tax Act.

We have your best interests at heart and at the same time recognize that you know your needs best. Hence, after purchasing the policy, if you find it unsuitable, you can cancel and return the policy to us with no questions asked. Our policies come with a free-look period of 15 days from the date of receipt of Policy.

If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we pay from room charges to operation theatre charges and more. We also pay for your medical expenses if you undergo even a day care treatment at a hospital that requires hospitalization for less than 24 hours – we cover a comprehensive range of 170 day care treatments, the highest in industry. You will also get cashless treatment at our over 4758+ network hospitals and reimbursement in any other hospital of your choice.

We will cover maternity-related expenses incurred with respect to hospitalisation for the delivery of the child. What’s more, we even cover pre and post-natal expenses!

We will also cover the medical expenses of your dear newborn from birth till the completion of 90 days. After 90 days, your baby would be covered under the regular policy upon payment of additional premium.

We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.

We believe that good health should not only be celebrated but rewarded as well. That’s why JOY comes with the No Claim Bonanza feature, wherein, if there are no claims during the policy tenure of 3 years, you receive a bonus of 100% of your sum insured.

Single private room with AC.

Exclusion

Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy

Any diseases contracted during first 30 days of the policy start date except those arising out of accidents

Non-allopathic treatment.

Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)

Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

Cost of spectacles/contact lenses, dental treatment

Medical expenses incurred for treatment of AIDS

Congenital disease

Tests and treatment relating to infertility and in-vitro fertilisation.

Policy Terms

Policy Terms 
Entry Age – MinimumAdult: 18 years
Child: 1 Day
New Born: 1 Day
Entry Age – MaximumAdult: 65 years
Child: 24 years
New Born: 90 Days
Exit AgeLifelong
Cover TypeIndividual / Family Floater
RenewalLifelong Renewability. The policy can be renewed under the then prevailing Health Insurance with Maternity Benefit Product or its nearest substitute approved by IRDA.
Co-paymentIf you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.
Waiting Period30 days for any illness except accident
24 months for maternity of Joy tomorrow
9 months for maternity of Joy today
2 years for specific treatments/illness
4 years for pre-existing diseases
Grace period30 days from the date of expiry to renew the policy
Policy Tenure3 years
Maternity CoverAvailable only up to 45 years of age

Enhance Top-up Insurance for already Insured

Considering the growing medical inflation, you sure don’t want that extra burden turning your world upside down. Which is why, at Religare Health Insurance (RHI), we have designed Enhance – a customized deductible health insurance for you and your family. With Enhance, you have that extra safety net of coverage at a significantly lesser premium as compared to any basic insurance plan.

Unique Features

Cashless treatment at 4758+ hospitals

Get health check-ups for insured members, every year

Largest list of day care procedures-170

No ‘Claim based’ loading ever & Get Lifetime renewability

No paperwork required. Buy & get policy online in 2 mins

Plan Details

As far as we are concerned, it is your money – All our plans come without any cap on vital expenses like doctor/surgeon fees, operation theater & allied charges, room rent charges to name a few.

Our wish is your good health. To pre-empt your ever having to visit a hospital, you can avail our comprehensive health check-ups for yourself and members covered as adult in the policy, every year. Even if you make a claim with us! Just call our call center anytime, to schedule your appointment. Its simple.

We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.

We want you there for you, for your entire life. That’s why none of our plans have any ‘Claim-based loading’ of premiums at the time of renewals. The Policy can also be renewed lifelong under the prevailing Health Insurance Product or its nearest substitute approved by IRDA.

There’s still lot more we have for you! All our policies are eligible for claiming deduction for Tax Benefit under section 80D, Floater Cover, Ambulance expenses covered, Organ donor medical expenses covered, Increase your Policy’s Sum Insured even later, 10% discount on 3 year & 7.5% Discount on 2 year policy terms, online instant health insurance buy and more.

Exclusion

Any pre-existing ailment/injury that was diagnosed /acquired within 48 months prior to issuance of the first policy.

Any diseases contracted during first 30 days of the policy start date except those arising out of accidents

Non-allopathic treatment

Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)

Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

Cost of spectacles/contact lenses, dental treatment

Medical expenses incurred for treatment of AIDS

Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

Congenital disease

Tests and treatment relating to infertility and in vitro fertilisation

Policy Term

Policy Terms 
Minimum entry age1 day
Maximum ageNo age bar
Renewal lifelong renewabiltyThe policy can be renewed under the then preveling Health Insurance Product or its nearest substitute approved by IRDA
Renewal premiumPremium payable on renewal and on subsequent continuation of cover arc subject to change with prior approval from IRDA.
Co-paymentIf you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.
Waiting period30 days for any illness except injury
Change in sum insuredYou can enhance your sum insured under the policy only upon renewal
Grace period30 days from the date of expiry to renew the policy
Underwriting loadingsBased on the assessment of the extra risk on account of medical conditions by the underwriter, the premium shall be loaded accordingly (15%, 30% or 50%)
Group discount5 to 20%, depending upon the group size.
Complete careAfter 4 years of continuous coverage, you have an option to convert your deductible plan to Comprehensive Health Insurance Plan (without any deductible)

Assure Critical Illness Benefit Plan

Gone are the days when Critical Illnesses were seldom heard of. Today’s changing lifestyle has put us at greater risk; and as much as we would want to ignore it, it has become commonplace. Which is why, we at Religare Health Insurance, have designed – a comprehensive cover for as many as 20 Critical Illnesses along with Personal Accident cover, to take care and offer total peace of mind for you and your loved ones. You get a lump-sum benefit to pay off expenses as you deem appropriate.

Unique Features

20 Critical Illnesses covered

Includes Accidental Death Cover

With Permanent Total Disability cover also

Avail Health Check-up, every year

Hassle free claim settlement directly by us

Zero day survival period

Plan Details

Critical illness cover is a benefit plan where you get a lump sum amount when diagnosed or operated for any of the below specified critical illness. Cancer, End Stage Renal Failure, Multiple Sclerosis, Benign Brain Tumor, Motor Neuron Disorder, End Stage Lung Disease, Major Organ Transplant, Heart Valve Replacement, Coronary Artery Bypass Graft, Stroke, Paralysis, Myocardial Infarction, Major Burns, Coma, Blindness, Parkinson’s Disease before the age of 50 years, Alzheimer’s Disease before the age of 50 years, End Stage Liver Disease, Bacterial Meningitis, Aplastic Anemia

Our assurance towards your family’s well being and financial independence! We will pay a lump sum amount equal to the Sum Insured in the event of Accidental Death or Permanent Total Disablement of the insured.

Our concern is your good health. This we make sure by providing a health check-up, once in a policy year, for you to stay healthy….hamesha.

If you are suffering with a critical illness or wish to get a second opinion of an expert/doctor, we arrange one for you, at no extra cost.

Zero Day Survival Period

You can avail of a tax benefit on the premiums you pay towards your health insurance, as per the prevailing tax laws of the Income Tax Act, 1961 (u/s 80D).

Exclusion

Any pre-existing illness.

Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 90 days of Policy Period Start date.

Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)

Expenses arising out of or attributable to alcohol or drug use/misuse/abuse

Medical expenses incurred for treatment of AIDS

Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

Congenital disease

Cosmetic & aesthetic and obesity related treatment

Tests and treatment relating to infertility and in vitro fertilization.

War, riot, strike, nuclear weapons induced hospitalization.

Secure Personal Accident Insurance

At Religare Health Insurance (RHI), we believe that health and happiness go hand-in-hand. That’s why we bring you ‘Secure’ – A Personal Accident Cover that directly addresses every concern which can arise as a result of a serious accident. Secure – has a broad range of features, add-on benefits, hassle-free procedures and thoughtful services, it ensures that the road to recovery is worry-free, making getting back to good health your priority.

Unique Features

Compensates for Accidental death

Also covers Permanent total / partial Disablement

Reconstructive Surgery covered

Child education also covered

Plan Details

In case of a tragic loss, we provide for financial support to the family by paying the sum insured to the nominated family member.

We provide coverage for expenses pertaining to a reconstructive surgery, advised by your medical practitioner in case of an accident leading to Permanent Total disability or PPD.

Get compensated for fractures and burns pertaining to a surgery, advised by your medical practitioner in case of an accident.

In the event of an accident resulting in insured’s demise or PTD, we’ll take care of his child’s education ensuring that their future is not compromised.

Based on severity of loss of body part due to accident, we also pay a pre-defined percentage of the sum insured. For details, please see ‘compare features’ tab.

Based on severity of loss of body part due to accident, we also pay a pre-defined percentage of the sum insured. For details, please see ‘compare features’ tab.

If an injury causes PTD and requires one to use prosthetic devices like artificial arms, legs or eyes, orthopedic braces and medical equipment like wheelchairs or hospital beds, we will reimburse the expenses towards these.

If an accident related injury requires emergency medical evacuation, we’ll reimburse the ambulance expenses incurred.

Exclusion

Any pre-existing injury or physical condition

Any intentional self-inflicted injury, suicide or attempted suicide, sexually transmitted conditions, mental or nervous conditions, insanity, disorder, anxiety, stress or depression The Insured Person flying in an aircraft other than as a fare paying passenger in a Scheduled Airline

The Insured Person engaging in sporting activities in so far as they involve the training for or participation in competitions of professional sports, unless declared beforehand and agreed by the Company in writing subject to additional premium being recieved and incorporated accordingly in the Policy

Insured Person serving in any branch of the military, navy or air-force or any branch of armed Forces or any paramilitary forces

Any claim related to Hazardous Activities

Persons whilst working with in underground mines, explosives, press, activities like racing on wheels or horseback, winter sports, canoeing involving white water rapids, any bodily contact sport

Claim arising out of mental illness, stress, psychiatric or psycho logical disorders

Policy Term

Policy Terms 
Minimum Entry age91 day
Maximum ageChild – 24 years Adult: 70 years
RenewalLifelong Renewability. The Policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDA
Policy IssuancePolicy issuance is subject to the underwriting review and approval.
Occupational ChangePlease inform us incase of any change in your profession/ occupation/ nature of duty/ industry of employment immediately for continuance of your policy.
Document VerificationYou may be called for document verification & may be required to submit relevant documents for underwriting review.