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Articles » Health Insurance » Religare Health Insurance – Online Plans, Review & Renewal
Religare Health insurance

Religare Health Insurance:

   In our life we are experiencing every good bit of it throughout one’s lifetime, be it a walk in the park with your parents or building memories of playing with your little one.

And these experiences can truly rejoice when one lives a healthy life without having to worry about any unforeseen medical issues.

Religare Health Insurance understand that experience and designed the Health insurance policy.

In line with Religare Health Insurance objective of ensuring good health ”Ab health hamesha..!”.

Religare Health Insurance Plan – ‘Care’ its helps safeguard you and your family against medical emergency and uncertain expenses.

With Religare Health insurance “Care” plan by your side you can be assured that while you are unwell, Religare Health insurance Ltd will take up all the hassles related to your treatment so that you can stay worried free and Concentrate only on your recovery.

religare health insurance

Need Of Health insurance and Religare Health Insurance Ltd in India:

   Everyone in India is exposed to various health issues.

If you don’t have Health Insurance then you end up paying hefty medical bills in the event of hospitalization out of illness or any injury from your saving our own pockets.

And another side in case you have enough money for treatment, you may have to bothered for medical treatment.

In such circumstances, health insurance plans come to your rescue. It is a means to protect or cover you against unexpected expenses medical urgency due to the illness of injury.

Religare Health insurance helps to cover the cost of private medical treatment for illness and injury that is curable.

Health insurance is necessary owing to increasing medical costs these days because of an uncertain and unsafe environment.

Therefore, ensuring your family against Health Insurance is a must should surely be a part of your regular financial planning.

Difference between a family floater and critical illness in Religare Health Insurance:

The principle of indemnity this is the base of a family floater in health insurance.

In short, these insurance policies will pay you only that you have spent for medical treatment in a hospital.

On the other side, the critical illness or the hospital cash insurance pays you the amount which insured, irrespective of the amount spent for medical treatment.

Also read: Star Health Insurance

At a young Age benefit from buying Religare health insurance:
  • You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy.
  • Health insurance premium tends to increase with age by age higher the premium.
  • Each ‘no claim’ year would fetch you a discount on your premium or an increase in your sum insured amount at without any cost. The treatment in case of ‘no-claim’ bonus varies from company to company.
  • And income tax benefit also providing by Religare Health insurance as per under Section 80D of the Income Tax Act.
Utmost Good Faith:

     It necessary to you disclose your current health status correctly and accurately while buying a Religare health insurance. Because Insurance is a contract of utmost good faith.

    It always pays to be honest. Declaration of correct and accurate health status at the time of buying health insurance ensures smooth processing of your proposal. And this will help to you service you in a better manner.

Floater insurance or an individual insurance:

     The benefit of floater insurance or an individual insurance is when you Buying an individual cover or a floater cover is an individual’s perception.

As per rule, at younger ages floater cover is advisable. And when you grow older then you should go for an individual cover.

Floater cover and Features:

      If a person wants a health insurance for his family then the Religare Health Family Floater plan offers insurance coverage to the entire family under one premium payment.

 For example, One person insures himself, his spouse & the dependent children with the individual insurance plans with a sum insured of Rs. 1 lakh each then he ends up paying premium ranging between Rs. 1k – Rs. 2k for each of family members.

And the other side if one person would have opted for the family floater plan with the sum insured of Rs. 5 lacs, the total premium would surely be less than the separate premium payments in individual health insurance plans.

Moreover, the separate health plan holds the cover of only Rs. 1 lakh as against Rs. 3 lakh in case of the Floater plan thus helping the family in case the medical treatment costs go beyond that. This Rs. 3 Lacis available for each of the family members individually as well as collectively.

No Claim Bonus:

   This concept works on the same lines as the no-claim bonus on your car insurance.

A Policyholder, who hasn’t made any claim in a year, can use the bonus to their benefit the following year.

Similarly, CARE offers a 10% increase in the policy sum insured for every claim-free year, with no change in premium. So, a policy with a sum insured of Rs 5 lacs, and then will get an extended cover of Rs 50 k the following year at the same premium.

A claim-free third year will see him earning another 10 % extra cover on his base of sum insured.

taking the total to Rs 6 Lacs. Up to 50% bonus is permissible (maximum).

The accumulated bonus is reduced by 10% while in the case of a claim.

Auto recharge Means:

    You will automatically recharge the sum insured  suppose the sum insured and any no claim bonus is exhausted during the policy year.

Then  sum insured will be recharged once in a policy year and it can be used for future claims only,  not against an illness or disease or its complications for which a claim has already been made in the current policy year.

The process of medical check-up:

   While buying  Religare Health insurance You may be required to undergo a medical check-up, in case any member to be insured is above 45 age or for sum insured with Rs. 15 Lacs or above.

  Mostly in this cases, the medical tests are done at your home, after taking an appointment. and no payment is required upfront for the same.  But when the policy is issued then you will not be charged anything.

 If the policy is declined or Cancelled by the customer, medical charges will be deducted from the refundable premium amount.

This will enable us a better understanding of your current and future health requirements please refer to the prospectus or call to our Religare Health Insurance customer care1800-200-4488 (Toll-free).

Also read: United India Health Insurance

Cancellation process of Religare health insurance policy:

Religare health insurance offers you a free look period to review policy terms & conditions.

If you are not satisfied with service then you can request for cancellation of your policy during this period.

But You will be charged the pro-rated premium for the period during which your policy was in force, the cost of pre-policy health check-up stamp duty and balance premium would be refunded.

You can also request for cancellation of your policy at any time during the policy period. You will be refunded the premium amount as per the company short scale grid.

The grid is available in your Religare Health insurance Policy Terms and Conditions.

If you have reported any claim with us, you will not be entitled to any refund of premium on cancellation of the policy.

Co-payment facilities: After insured member turns his a certain age, Maximum Health Insurance companies are providing to use Co-Payment facilities to the policyholder.

Co-payment is that part of your claim amount which you have to bear. Co-pay can be in % terms or an absolute amount.

For example, in the case of co-pay of 20% and claim of Rs. 10K we will pay you Rs. 8k (80% of 10K) and you will bear 20% (Rs. 2k).

In Religare Health Insurance policy there is No Co-payment ever if insured with us before age of 61.

Required  documents for Portability

  • CARE proposal form
  • Portability form
  • Copy of expiring health insurance policy
  • Copy of renewal notice

Coverage in Religare Health Insurance “CARE” :

1)   In Patient Care

2)   Pre Post Hospitalization

3)   Individual and Floater Cover

4)   Domiciliary Hospitalization

5)   Daily Allowances

6)   Ambulance Cover

7)   Organ Donor Cover

8)   Lifelong Renewability

9)   Annual Health Check Up

10)  No Claim Bonus

11)  Second Opinion

12)  Tax Benefit

Religare health insurance

Benefits with Religare Health insurance Ltd:


From Diagnosis to Recovery:

    Religare Health insurance stands with you throughout the journey and not just for the particular event.

Because of Religare Health insurance understand in emergency expenses doesn’t start exactly from hospitalization but from the time diagnosis and goes on even post-discharge.

30 Days Pre-Hospitalisation Coverage:

   The procedures that you undergo before getting hospitalized finally lead you to a hospital, such as investigative tests and routine medication, can be quite financially draining.

We cover the medical expenses incurred by you up to 30 days before your hospitalization.

Ambulance Cover:

       It is utmost concern of Religare Health insurance that you get the medical attention and you require as soon as possible, Especially in an emergency.

Religare Health insurance reimburses expenses incurred by you while availing a domestic road ambulance during your hospitalization.

But some plans of Religare Health Insurance in Plan of “CARE” also offers coverage for availing an Air Ambulance if suggested by a doctor.

In-Patient Hospitalization:

       Hospitalization for at least 24 hours, Religare Health insurance will pay for doctor’s fee, room charges, intensive care unit charges, nursing expenses and surgeon’s fee, blood, oxygen, anesthesia, operation theater charges, etc.

The minimum period of 24 consecutive hours. If you are admitted to a hospital for in-patient care,

Hospitalization less than 24 Hours:

   Religare Health Insurance cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for more than 24 hours.

As a matter of fact, we cover over 540+ day care procedures.

Room Rent:

   Religare Health Insurance reimburses every expense occurred while you are staying in a single room or private room.

If you should there be a need to and is recommended by a treating doctor then You can also upgrade your room.

ICU Charges:

   Religare Health Insurance takes care of those ICU charges that come in your way of getting a quality treatment.

Because that time of an emergency company believes your focus should be only on your recovery.

60 Day Post Hospitalization Coverage:

Expenses don’t end once you get the discharge.

Religare Health reimburses expenses such as diagnostic tests, doctor consultations and medications etc that you incur up to 60 days post your hospitalization.

Domiciliary Hospitalization:

In the emergency case or a medical condition that does not allow you to get admitted in a hospital, Religare health insurance provides coverage for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days.

So nothing should delay the treatment you deserve.

Annual Health Check-up:

   Annual Health Check-up for yourself and all members covered by your policy, including children.

Because of Religare Health insurance company believe in the old adage that an ounce of prevention is better than a pound of cure.

This is why Religare Health insurance gives an Annual Health Insurance.

Automatic Recharge of Sum Insured:

    Religare Health Insurance keeps your worries outside the door with Automatic Recharge of Sum Insured.

 If you ever run out of your health cover due to claims made, Religare Health insurance will reinstate the entire Sum Insured amount of your policy.

You can use this additional amount for any other ailment or by any other insured member for treatment of any ailment.

Also read: HDFC Ergo Health Insurance

No-Claim Bonus:

   Increasing your Sum Insured by 10%, up to a maximum of 50% in consecutive 5 years.

Religare Health Insurance raises a cheer to good health for every year that you don’t claim.

And this benefit company gave to the Policy Holder.

Organ Donor Cover:

   This is the additional Feature to care about those who help you as much as we care for you.

Then beyond ensuring that your medical needs are met Religare health insurance will reimburse you for medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.

Reassurance of the Second Opinion:

   No extra charge will be given by Religare Health insurance if you can opt for the second opinion. Because of  Sometimes reassurance works better than the cure itself.

 Which is why if, at any moment you feel uncertain about your diagnosis.

No Upper Age Limit of Enrolment:

   All Religare health insurance plans including CARE plan, come with no upper age limit of enrolment.

Even if a person is 100 years old they can also eligible for apply.

Lifelong Renewability:

   This facility is given by Religare health insurance renewal to the policyholder because they don’t leave you in between the journey and honour our commitment by giving their customers option of lifelong renewability.

For example once enrolled an individual can continue to stay covered throughout one’s life, provided they renew their policy on time every year.

Maybe it is Unani, Ayurveda, Homeopathy or Sidha choose the treatment that suits you and Religare Health company will cover it up to a specified limit and varies according to the plan chosen.

Add-On Covers and Benefits:


No Claim Bonus Super:

   By choosing an optional cover NCB Super you can further increase your sum insured amount by 50% for every claim free year up to a maximum of 100%. And finally total with both NCB & NCB Super one can increase their sum insured up to 150% in 5 years.

Everyday Care:

Suppose your family may avoid hospitalisation for many years.  

However, you have to be really fortunate to avoid doctor consultation for even some months.

For all the routine and general visits to the hospital Religare health insurance give you 1% of your Sum Insured for doctor consultation and diagnostic tests each.

This can be availed via a cashless health card & additional premium paid to avail this. Add -on the cover is also applicable for tax benefit under section 80D of IT act.

Air Ambulance Cover:

An emergency the right cure may be far or miles away but never out of your reach with Air Ambulance Cover.

 For all those times when you might be recommended a treatment which is not in your city of stay.

Unlimited Automatic Recharge:

   Religare Health insurance here should never be a time when you run out of coverage.

Which is why by selecting this add-on to cover your sum insured amount if re-instated in your policy every time your sum insured exhausts.

  And this can be availed an unlimited number of times.

Personal Accident Cover:

   No need of maintaining two separate policies, one for a health insurance cover and second for personal accident cover.

With Religare Health Insurance add-on, the cover you get both coverages for accidental death and permanent total disability for up to 10 times of the Sum Insured opted.

International Second Opinion:

   Religare Health insurance believe that sometimes reassurance works better than the cure itself.

 Hence before going ahead with the recommended treatment, Religare Health Insurance gives you an option to consult doctors and take a second opinion.

Global Coverage:

   Quality Healthcare cannot have boundaries.

If you ever feel the need to get treated at an overseas facility and rest assured since with Religare Health Insurance with add-on cover you get Global Coverage that too on a cashless basis across listed network hospitals.

Basic Features and Coverage In short

Also read: Apollo Munich Health Insurance

Care 4 ( 5-7-10 Lacs Sum Insured ) Elite Regular Plan:


  1.    In Hospitalization: Up to Sum Insured.
  2.    Pre Hospitalization: 30 Days
  3.    Post Hospitalization: 60 Days
  4.   Day Care Treatment: Covered
  5.   Room Rent: Single Private Room
  6.   ICU Charges: No Sub-Limit
  7.   Ambulance Cover: Rs. 2000/- hospitalization
  8.   Domiciliary hospitalization: Up to 10% as per Sum Insured
  9.   Health Check-up: Available for All Members
  10.  Recharge of Sum Insured: Available
  11.  No Claim Bonus (NCB): Available
  12.  Organ Donor Cover: Rs. 1,00,000 /-
  13.  Second opinion: Covered
  14.  Alternative Treatments: Up to Rs.20,000/-

Care 5 ( 5-7-10 Lacs Sum Insured ) Elite Plus Plan:


  1.  In Hospitalization: Up to Sum Insured.
  2.  Pre Hospitalization: 30 Days
  3.  Post Hospitalization: 60 Days
  4.   Day Care Treatment: Covered
  5.   Room Rent: Single Private Room (Upgradable to next Level)
  6.   ICU Charges: No Limit
  7.   Ambulance Cover: Rs. 2500/- hospitalization
  8.   Domiciliary hospitalization: Up to 10% as per Sum Insured
  9.   Health Check-up: Available for All Members
  10.   Recharge of Sum Insured: Available
  11.  No Claim Bonus (NCB): Available
  12.  Organ Donor Cover: Rs. 2,00,000 /-
  13.  Second opinion: Covered
  14.  Alternative Treatments: Up to Rs.30,000/-

Why it’s necessary to buy Care Plan / Policy:


  • Under Care policy for Annual Health Check up all members are covered.
  • Up to 150% No Claim Bonus with NCB Super.
  • Unique and Unlimited Automatic recharge.
  • Global Cover for 12 Critical Illnesses. (Care anywhere)
  • Care is available with different riders, hence ability to are your needs.
  • And with Religare Health insurance Care Plan, you get following Key USPs which are not available anywhere else.

Religare Health Insurance Policy Terms and conditions:


  • Waiting Period: 30 days for any illness except injury.
  • The waiting period for pre-existing illnesses: Four years of continuous coverage.
  • Change in sum insured: You can enhance your sum insured under the policy only upon Religare health insurance renewal
  • Grace period: in Religare health insurance renewal 30 days from the date of expiry to renew the policy of

Plans Exclusion in Religare Health Insurance plans:


The standard policy exclusions are –
  • Any diagnosis of diseases / undergoing of surgery/occurrence of an 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.

Also read our blog on Aditya Birla Health Insurance.

Religare Health Insurance Hospital list or Cashless Hospital networks and Claim settlement :

  1.      5420+ Vast and growing Religare Health Insurance Hospital List for Cashless claims.  
  2.      4.7 Lacs+ Count of Claim, 540+ Day Care Procedures.
  3.      In-House settlement for better management 92+ % settlement ratio.
  4.      Religare Health Insurance customer care1800-200-4488 (Toll-free).
  5.      Religare is the Delhi based holding company and one of India’s leading diversified insurance services groups.

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