Objective

This policy can be bought online and aims at providing adequate medical insurance even after the initial sum insured is exhausted. It restores the sum insured if exhausted by a family member's claim. The reinstated sum can be used subject to certain conditions.

Suited for

Being a sum insured reinstatement policy, though available to individuals, it is more beneficial as a family floater cover. Even if an elderly insured member avails the sum insured, other members will not be deprived of insurance benefit, in the hour of need. It can cover up to six family members in a single policy.

What does it do?

Religare Health Insurance Care is a unique policy among its peers as it can reinstate the sum insured, if depleted in a policy year. The restored sum insured, however, cannot be utilized for treatment of illness(es) for which the claim was made in the policy year.
Any remaining restored sum insured at the end of a policy year cannot be carried forward to the next year.
Another exclusive offer is Care Anywhere benefit that allows to avail treatment for specific critical illnesses anywhere in the world.
This policy is a comprehensive package of inpatient treatment that covers hospitalisation expenses with sub-limits on room rent and ICU charges. It covers other incidental expenses like ambulance cost, daily cash allowance and organ donor hospitalisation expenses in case of organ transplantation.
Apart from hospitalisation expenses, it provides for domiciliary hospitalisation, i.e. treatment taken at home on advice of a doctor. Second opinion from a medical consultant on company's panel is available if one is diagnosed with stated critical illness.

Pros

It offers Automatic Policy Recharge at no extra premium if initial sum insured gets depleted .
It allows to avail treatment anywhere in the world for certain diseases. It offers sum insured up to Rs 60 lakh and allows lifelong policy renewal.
This policy can be bought online and provides a premium discount on selecting a higher policy term.
It also offers a family discount and premiums paid towards this policy enjoy a tax benefit under Section 80D.

Cons

Restored sum insured cannot be used for treatment of the illness for which a claim has already been made.

Our View

This is a recommended family floater policy. It provides wide and extended coverage at reasonable rates. The policy can take care of insurance needs of all members by restoring the insurance benefits. If the need arises, it can also provide for treatment of certain chronic diseases, anywhere in the world.

Eligibility

Entry Age (years)

Minimum

91 days

Maximum

No age limit

Maximum Policy Renewal Age (years)

Life long renewal

Coverage Type

Individual / Family floater

Policy Term (years)

1/ 2/ 3

Sum Insured (Rs)

Maximum

60 lakh

Minimum

1 lakh

Discount

7.5% on selecting a 2 year policy term and 10% if opted for 2 years policy term and Rs 250 on buying policy online.
5% on a policy covering 2 or 3 family members or 10% for a policy covering more than 3 members.
10% in case of cross sell.
15% in case of co-pay clause of 20% per claim for every insured member above 60 years of age

No Claim Bonus

10% for each claim free year till it reached 50% of sum insured

Pre Policy Medical Check Up

Compulsory for entry age 46 years and above under all sum insureds. For 7 and 10 lakh policy: medical check up is required for entry age 19 years and above. For sum insured above 10 lakh: medical tests are required for entry age 6 years and above

Free look Period

15 days

Grace Period for Policy Renewal

30 days

Customer Service

Address

Religare Health Insurance Company Limited, GYS Global, Plot No. A3, A4, A5,Sector - 125, Noida, U.P. – 201301

Mail to

customerfirst@religarehealthinsurance.com

Call to

1800 200 4488 (toll free)

SMS

Religare' to 56677

Network Hospitals

Http://www.religarehealthinsurance.com/health-plan-network-hospitals.html

Scope Of Cover

Plan

Care 1

Care 2

Care 3

Care 4

Care 5

Care 6

Sum Insured (Rs)

1 lakh

2 lakh/ 3 lakh/ 4 lakh

5 lakh/ 7 lakh/ 10 lakh

15 lakh/ 20 lakh/ 25 lakh

50 lakh/ 60 lakh

2 lakh/ 3 lakh/ 4 lakh

Cashless facility

available if treatment availed in empanelled hospitals

Reimbursement facility

available if treatment taken in a non-network hospital

Pre and Post Hospitalisation expenses

covered from 30 days before hospitalisation and 60 days post hospitalisation

Hospitalisation expenses

Room rent

covered for upto 1% of Sum Insured per day

Single private room

Single private room(upgradable to next level)

Single private room (upgradable to next level)

Single private room

ICU charges

covered for upto 2% of sum insured per day

covered without any sub-limit

Doctor's fees and other medical charges

25% of sum insured per claim

Covered without any sub-limit

Day Care Treatment

covered

Daily Cash Benefit

Rs 250 per claim for upto 5 days

Rs 500 per claim upto 5 days

Not allowed

Ambulance expenses

covered upto Rs 750 per claim

covered upto Rs 1500 per claim

covered upto Rs 2000 per claim

covered upto Rs 2500 per claim

covered upto Rs 3000 per claim

covered upto Rs 1500 per claim

Domiciliary hospitalisation

covered upto 10% of Sum Insured

Organ donor hospitalisation expenses

not covered

covered upto Rs 50000

covered upto Rs 100000

covered upto Rs 200000

covered upto Rs 300000

covered upto Rs 50000

Second opinion

Not allowed

provided in case of critical illnesses mentioned in policy document

Not allowed

Annual Health Check up

allowed for every adult covered under the policy

Sum Insured reinstatement benefit

not allowed

available upto initial sum insured

Care Anywhere (for medical expenses incurred in respect of Cancer, Benign tumour, Major Organ Transplant/ Bone Marrow Transplant, heart Valve Replacement or Coronary Artery Bypass Graft)

Not allowed

allows to avail treatment anywhere in the world. Prior written notice of 7 days is required

Not allowed

Add-on Benefits

Everyday Care-Wellness Package

allows unlimited consultations at reduced rates from its empanelled consultants, specialists and surgeons. Maximum of 4 visits for same illness.

No Claims Bonus Super

not allowed

a 50% increase in Sum Insured if no claims was made during the year upto maximum of 100% of initial sum insured.

not allowed

a 50% increase in Sum Insured if no claims was made during the year upto maximum of 100% of initial sum insured.

Exclusions and Waiting period

Pre-existing diseases

covered after 4 years of continuous policy renewal

No claim period

30 days from the policy start date

Waiting period

24 months for specific illnesses namely, surgery on tonsils/ adenoids, cataract, Hernia Sinusitis, Varicose veins etc.

Co-payment clause

20% of claim amount for insured member(s) above 60 years of age. This is not applicable under Crae 1 and Care 2.

Other exclusions

non allopathic treatmentDental treatment, laser surgery