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RELIGARE HEALTH INSURANCE

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Religare Health Insurance

Overview
Religare Health Insurance Company Ltd. is a specialised health insurance organisation that is promoted by Religare Enterprise Limited, one of India’s leading diversified financial services group; having Union Bank of India and Corporation Bank as the other major stakeholders. Established in 2012, it operates out of 54 offices across the country with its headquarter in Gurgaon. Known for its finest products and services offered to the customers by being refreshingly different and innovative, the company follows the QMS framework in line with ISO 9001:2015 standards. Backed by country’s leading healthcare units like Fortis Hospitals, Religare Wellness and SRL Diagnostics, the company has a strong healthcare legacy.

Religare Health at a Glance
  • Cashless and hassle free direct claim settlement across 5420+leading hospitals in the country
  • Annual health check-up for insured members irrespective of their claims history
  • More than 4.7 lakh policies claims were serviced
  • With add-on cover, it provides global coverage that too on a cashless basis across a list of network hospitals worldwide for 12 critical illnesses
  • 98.94% of grievances resolved in FY 15-16
  • 92% claim settlement ratio
  • Upto 150% no claim bonus based on NCBS
  • Provides unique unlimited recharge automatically
Awards & Recognitions
  • Religare Health Insurance won the overall award of the ‘Best Social Media Initiative’ of the year by Fintelekt in 2016
  • Religare Health Insurance won 2015’s Best Health Insurance Company award by ABP News BFSI
  • Religare Health Insurance conferred' Rising Star Insurer' award at India Insurance Awards - 2014
  • In 2014, Care Rated ‘Best Product’ for Senior Citizens by VOICE (Voluntary Organization in the Interest of Consumer Education)
  • In 2014, Care Rated ‘Best Health Insurance’ in over 9 comparisons by Mint Money
  • 'Editor's Choice Award, 2013' by Finnoviti for Innovation in Product – CARE
  • 'Best Technology Innovation' award at India Insurance Awards 2013
Documents needed to apply for Religare Health Insurance
  • Age proof - (Any One)
    Driving License, Passport, Voter ID Card, Birth Certificate, etc
  • Identity proof – (Any One)
    Driving License, Passport, Voter ID card, PAN Card, Aadhar Card, or any document which proves citizenship
  • Income proof
  • Address proof – (Any One)
    Driving License, Passport and Utility Bill should clearly mention the permanent address
  • Income proof – (Any One)
    Salary Slip, Form 16, ITR
  • Recent passport size photograph
Why Religare Health Insurance?
Here are some reasons why Religare Health is the right insurance provider for you:

Sum Insured You can choose a sum insured ranging from Rs 1 lac to Rs 1 crore
Cashless hospitalisation Religare Health has over 5420 network hospitals across India where you can avail cashless facility. It also provides global coverage on a cashless basis across a list of network hospitals worldwide.
Claim process Offers seamless claim process across wide network of hospitals that makes the claim management quick and convenient. The Claim Settlement Ratio of Religare Health Insurance for FY2015-16 is 87%.Number of claims paid is 109886 amounting to 173.5 Crores for FY 2015-16.
No-Claim Bonus (NCB)  Earn up to 100% NCB in the form of a 50-150% increase in sum insured.
Recharge benefit  Religare Care policy provides this option, where on the sum assured being utilized, it immediately gets recharged to the original sum assured and can be used for different future illness claims. This can be done once a year.
Discounts 7.5% discount on the premium if the policy is bought for two years and a discount of 10% if the policy is taken for 3 years.
Lifelong renewability All plans offered by Religare Health have a lifelong renewability option
Global Healthcare treatment With Religare Health’s add on cover, insured members can receive global healthcare treatment from any of the network hospitals in the world and that too cashless.
Health Checkup Insured members of Religare Health can avail super annual health check-up regardless of their claim history
Medical Examination For Religare Health insurance, no pre-policy medical test is required for a sum insured less than Rs 25 Lacs, till the age of 50 years.
Reassurance of second opinion If the insured person requests, Religare Health will arrange for a second opinion from a medical practitioner for any diagnosis that he is uncertain of, and all this at no extra cost. This facility is also available internationally.
Air Ambulance Benefit In cases where a recommended treatment is not available in the city where the policyholder resides, Religare Health provides Air Ambulance cover.
Riders Apart from 20 Critical illness coverage, through its global cover of 12 Critical illness, Religare Health provides ‘Care anywhere’. Under Organ donor cover - medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery will be reimbursed.

Types of Religare Health Insurance Plans
Religare Health offers insurance coverage with comprehensive health cover, maternity cover, critical illness cover, group corporate cover across various plans.

1. Religare Health Insurance Care Plan: This is the star insurance plan of Religare Health. It provides value for money hospitalisation insurance for first time buyers and covers basic hospital expenses along with additional benefits like automatic recharge of sum insured, annual health check-up and organ donor benefits. This plan comes in variants like Super Saver, Elite, Elite Plus, Global and Global Plus.

2. Religare Health Insurance Enhance Plan: This plan from Religare Health is a value for money health insurance which comes with benefits like annual health check-ups, expert opinion to fund extreme health expenses and meant for those who are not worried about basic health expenses.

3.Religare Health Insurance Assure Plan: A plan to counter the surprises in life which is mostly surrounded by critical illnesses and accidents. Covering almost 20 critical illnesses, this plan ensures fixed lumpsum payment on zero day survival and annual health check-up, thereby putting financial worries at rest.

4.Religare Health Insurance Secure Plan: This plan provides comprehensive personal accident and disability cover with additional benefits like fractures, major diagnostic tests and more.

5.Religare Health Insurance Joy Plan: This plan focuses on maternity and health of the new born with a 9 month waiting period for all maternity related expenses in line with the law of nature and is targeted for those who are planning a family.

6. Religare Health Insurance Care Freedom Plan: This is a comprehensive plan with no hassle of pre policy medical check-ups and offers benefits of automatic recharge of sum insured, annual health check-up, 2 year waiting for pre-existing diseases and more.

7.Religare Health Insurance Group Care Plan: This comprehensive plan helps safeguard the employees against any financial risks arising out of a medical emergency.

Religare Health Insurance Plans

1) Religare Health Insurance Care Plan
Entry age 91 days minimum with no maximum age limit
Type of Plan Individual / Floater
Sum Insured 2 - 60 Lacs
Coverage for Spouse, dependent children, dependent parents / parents in law. Maximum 6 individuals as a part of it, with the limit on number of adults being at 4 and children being at 4.
Policy term 1, 2 and 3 years

Inclusions, Benefits and Features
  • In-Patient Hospitalisation-No limits on room charges, nursing expenses and ICU charges, along with surgeon's fee, doctor's fee, anaesthesia, blood, oxygen, operation theatre charges etc.
  • Day care treatment: Over 540 day care procedures covered.
  • Pre-Hospitalisation – Medical expenses incurred 30 days prior to the hospitalisation covered. This also has ambulance cover.
  • Post-Hospitalisation–Medical expenses incurred 60 days discharge.
  • Domiciliary Treatment–Treatment done at home for a period exceeding 3 consecutive days incase of emergency, which would normally need hospitalisation
  • Organ Donor–Covers treatment expenses for organ donor
  • Air Ambulance–In case of emergency, Air Ambulance cover is provided.
  • Annual Health Checkup–Annual Health Check-up for policyholder and all members covered.
  • Automatic Recharge of Sum Insured–This policy enables reinstate the entire Sum Insured amount if you ever run out of your health cover due to claims made.
Features/Plans Super Saver Elite Elite Plus Global Global Plus
Deductible in policy period Yes, Rs.10,000 No deductible - - -
In patient hospitalization Upto Sum Insured Upto Sum Insured Upto Sum Insured Upto Sum Insured Upto Sum Insured
Pre-hospitalization 30 days 30 days 30 days 30 days 30 days
Post-hospitalization 60 days 60 days 60 days 60 days 60 days
Day Care Treatments Yes Yes Yes Upto Sum Insured Upto Sum Insured
Room Rent 1% of SI per day Single Private Room Single Private Room Single Private Room Single Private Room
ICU charges 2% of SI per day No Sub-Limit No Limit No Limit No Limit
Ambulance Cover Rs.1,500/ hospitalization Rs.2,000/ hospitalization Rs.2,500/ hospitalization Rs.3,000/ hospitalization Rs.3,000/ hospitalization
Daily Allowance Rs.500/ day upto 5 days - - - -
Domiciliary hospitalization Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI
Health Check-up Yes, all members Yes, all members Yes, all members Yes, all members Yes, all members
Recharge of SI Yes Yes Yes Yes upto SI Yes upto SI
No Claim Bonus Yes Yes Yes Yes Yes
Organ Donor Cover Rs.50,000 Rs.100,000 Rs.200,000 Rs.300,000 Rs.500,000
Second opinion Yes Yes Yes Yes Yes
Alternative Treatments Upto 15000 Upto 20000 Upto 30000 Upto 40000 Upto 50000
Care Anywhere - - - Yes Yes
Maternity Cover - - - Upto 100,000 Upto 200,000
Vaccination Cover - - - - Yes, Upto 10000

2) Religare Health Insurance Enhance Plan
Entry age Minimum of 1 day and no bar at maximum age
Type of Plan Individual / Floater
Sum Insured 1 – 25 Lacs and 6 – 30 Lacs
Coverage for Spouse, dependent children, dependent parents / parents in law. Maximum 6 individuals as a part of it, with the limit on number of adults being at 4 and children being at 4.
Policy term 1, 2 and 3 years

Inclusions, Benefits and Features
  • In-Patient Hospitalisation
  • Pre-Hospitalisation
  • Post-Hospitalisation
  • Coverage for 170 day care procedures
  • Domiciliary Treatment
  • Organ Donor Expenses
  • Online policy payment without any paperwork
  • Option of Air ambulance cover
  • Loyalty Benefit – One gets an option to convert this deductible policy to a fully fledged indemnity health insurance plan after enjoying 4 years of continuous coverage.
  • Health Check-up– Free health check-ups annually for all adults covered under the policy irrespective of past
  • Reassurance of 2nd opinion – Policyholders are entitled for a 2nd opinion from an expert or medical professional on any serious illness that might be of concern.
  • Co-payment – For entrants over 61 years, one has to pay 20% on coverage of Rs.5 lakhs and above. Rest is paid by insurer.
3) Religare Health Insurance Assure Plan
Entry age 18 to 65 years.
Type of Plan Individual / Floater
Sum Insured 5 lacs to 1 crore
Coverage for Spouse, dependent children, dependent parents / parents in law. Maximum 6 individuals as a part of it, with the limit on number of adults being at 4 and children being at 4.
Policy term 1, 2 and 3 years

Inclusions, Benefits and Features
  • 20 Critical illnesses covered. Parkinson’s Disease and Alzheimer’s Disease covered only until 50 yrs
  • Lumpsum payment on diagnosis or surgery irrespective of actual costs
  • Annual health check-ups
  • Entitled for a second opinion
  • In built accidental death cover: Lumpsum payment in case of death or any permanent disability resulting from an accident
  • Child Education cover: Lumpsum payment 10% of chosen sum assured; child age limited to 24 yrs.
4) Religare Health Insurance Secure Plan
Entry age 91 days to 70 years and 24 years for children
Type of Plan Individual / Floater
Sum Insured 10 – 30 lacs
Coverage for Spouse, dependent children, dependent parents / parents in law. Maximum 6 individuals as a part of it, with the limit on number of adults being at 4 and children being at 4.
Policy term 1, 2 and 3 yrs

Inclusions, Benefits and Features
  • In case of tragic accidental death, the sum insured is paid to the nominated family member for financial support.
  • In case of permanent disability (total/partial) caused due to accident, a pre-defined percentage of sum insured is paid
  • Get compensated for fractures: Rs1 - 3 Lacs depending on chosen coverage
  • Child Education is take care of: 10% of the chosen sum assured
  • Major diagnostic tests: Rs.15,000 to 50,000
  • Disappearance (min1 year): Chosen sum assured
  • Provides mobility cover: Rs.15,000 to 50,000 depending on chosen coverage
  • Get compensated for burns: Rs.10 to 25 Lacs depending on chosen coverage
  • Daily Cash Allowance: Rs.500 (maximum of 5 days)
  • Compassionate Visit - Rs.15,000 to 50,000
  • Ambulance costs: Up to Rs.5,000 and Nursing Care: Rs.1,000 to 1,500 per day (maximum of 15 days) depending on chosen coverage
  • Reconstructive Surgery: Rs.10 to 20 Lacs depending on chosen coverage
  • Repatriation of mortal remains: 2% of chosen sum assured up to Rs 1 Lac
5) Religare Health Insurance Joy Plan
Plan Name Joy Today Joy Tomorrow
Minimum entry age Adult : 18 years or above
Child : 1 Day to 24 years
Adult : 18 years or above
Child : 1 Day to 24 years
Maximum entry age 45 years 45 years
Exit Age Lifelong Lifelong
Cover Type Individual
Maximum up to 6 Persons
Floater : 2Adult / 2Adult 1Child / 2Adult 2Children
Individual
Maximum up to 6 Persons
Floater : 2Adult / 2Adult 1Child / 2Adult 2Children
Sum Insured – On annual basis 3 Lac / 5 Lac 3 Lac / 5 Lac
Maternity wait period 9 months 24 months
Policy Term 3 yrs 1 or 2 or 3 yrs

Inclusions, Benefits and Features
  • Hospitalisation, Pre hospitalisation upto 30 days and Post hospitalisation upto 60 days covered
  • Access combined benefits of hospitalization and maternity insurance withjust 9 months waiting period for maternity claims
  • Enjoy 100% increment in sum insured with ‘No-Claim’ bonus
  • Comprehensive cover for new-born baby
  • Lumpsum of Rs 50000 paid for new born birth defects
  • Eligible for single private air conditioned room
  • For entrants over 61 years, one has to pay 20% on coverage of Rs.5 Lacs and above. Rest is paid by insurer.
  • Ambulance cover upto Rs 1000 per claim
6) Religare Health Insurance Care Freedom Plan
Entry age 90 days for children and 18 years for adults
Type of Plan Individual / Floater
Sum Insured 3 – 10 Lacs
Coverage for Spouse, dependent children, dependent parents / parents in law. maximum 6 individuals as a part of it, with the limit on number of adults being at 4 and children being at 4
Policy term 1/ 2/ 3 years

Inclusions, Benefits and Features
  • In-Patient Hospitalisation upto sum insured
  • Pre-Hospitalisation - Upto 7.5 to 10 % payable Hospitalization expenses basis sum insured
  • Post-Hospitalisation - Upto 7.5 to 10 % payable Hospitalization expenses basis sum insured
  • Day-Care Procedures upto sum insured for selected ailments
  • Domiciliary Hospitalization - Upto 10% of sum insured covered after 3 days
  • Dialysis Cover - UptoRs 1,000 per sitting limited upto 24 consecutive months
  • Emergency Ambulance
  • Annual check-ups for all adults covered by the plan
  • Recharge of sum assured without paying extra premiums
7) Religare Health Insurance Group Care Plan
Entry age Individual : 5 yrs
Floater : 91 days with atleast 1 insured person of 18 yrs and above
Type of Plan Individual / Floater
Sum Insured 3 to 75 Lacs
Coverage for Spouse, dependent children, dependent parents / parents in law. maximum 6 individuals as a part of it, with the limit on number of adults being at 4 and children being at 4
Policy term 1/ 2/ 3 years

Inclusions, Benefits and Features
  • Pre-Hospitalisation
  • Post-Hospitalisation
  • Day care treatments
  • Room rent provided – single private room, upgradable to next level
  • No limit on ICU charges, doctor fees, other medical expenses, daily allowance (Rs 500 daily upto 5 days).
  • Ambulance cover of Rs 1500 to 3000 per hospitalisation depending on the sum insured
  • Domiciliary hospitalisation
  • Organ donor cover upto Rs 50000 to 3 lacs, depending on the sum insured
  • Annual health check-up
  • Recharge of sum insured
  • Second opinion
  • Maternity cover
  • Covers non-allopathic treatments like Ayurveda, Homeopathy, Unani and Sidhaupto specified limit based on plan chosen
Religare Health Exclusions:
  • There is an initial waiting period of 30 days for all illnesses except an accidental injury
  • Treatment for AIDS/HIV.
  • Congenital disease treatments
  • Pregnancy related treatments
  • Hospitalisation due to a war or nuclear threat
  • Medical expense incurred due to alcohol or drug abuse
  • Self-inflicted injuries and suicide attempts
  • Weight management services and treatment of obesity
  • Biological attacks
  • Treatment of mental illness, stress, psychiatric or psychological disorders
Religare Health Login:
  • For Individuals: Log into the Religare Health Insurance website with your name, email ID, and mobile number
  • For Corporate Employees: Register with your Member ID and Employee ID.
  • For Corporate Administrators: Register using their Policy Number and Group ID.
  • For Sales Partner: Register using Agent Code and Date of Birth.
  • Brokers or Corporate Agencies: Register with Broker or Agency Code and Date of Joining.
  • Using Social media: You can also sign in with your Facebook, Gmail or mobile connect log-in.
Religare Health Insurance Renewal:
  • Log into the Religare Health Insurance website with your email or member ID and password. You can also login using your policy number.
  • Enter the exact policy number as mentioned in the policy schedule.
  • Enter your age on the renewal calculator to get the renewal premium.
  • You can choose a different policy, altering the sum insured, add or remove dependants, alter rider policy, and edit policy term.
  • The policy schedule contains a unique policy number which changes every year on renewal.
  • Renewal payment can be made 60 days prior to the policy expiry date.
  • There is a 30day grace period within which to renew your policy without losing benefits
  • You can also opt to renew your policy through an Interactive Voice Response (IVR) and use the direct payment link. Contact 1860-500-4488 OR 1800-200-4488 for more details.
  • Email can be send for further details to customerfirst@religarehealthinsurance.com
Religare Health Insurance Claim Settlement:
Cashless Claim Reimbursement Claim
Visit a network hospital of the insurer to avail cashless treatment. If the cashless claim is denied, the insured member can get treated and file for a reimbursement claim after discharge.
Display your health card at the network hospital help desk. Submit the claim form along with the medical documents within 15 days of your discharge from the hospital.
Intimate the insurer within 24 hours of unplanned hospitalisation and 48 hours prior to your planned hospitalisation. Claims can be registered at the insurer's customer service centre or any of the branch offices through letter, call, email or in person.
The hospital will verify your identity details and submit a duly-filled and signed pre-authorisation request form to the insurer. To register a claim provide your contact details, name of the insured member, policy number, date and time of the problem, nature of the problem, and location of the problem.
After verification of the pre-authorisation request, the insurer will send an approval letter to the network hospital. Upon successful verification and approval, the claim amount will be sent to the proposer in the form of a cheque within 30 days of receipt of the documents.
The hospital will proceed with the cashless treatment for the insured member. The insurer will settle the bill directly with the hospital. The insured has to pay those bills that are not covered under the policy. For any claim-related queries, call toll-free number 1800-200-4488 or email at customerfirst@religarehealthinsurance.com

Religare Health Insurance FAQs:
1) How Religare Health Insurance policyholders can get in touch with the insurer for any policy-related queries?
You can get in touch with the insurer by filling out a simple online form or calling the customer support centre on toll-free number 1860-500-4488 or 1800-200-4488. You can also mail the insurer with your queries to this email ID customerfirst@religarehealthinsurance.com. A Call back request can also be placed online.

2) What is Global coverage from Religare Health?
Through this benefit, you can avail Hospitalization expenses incurred outside India, anywhere in the world excluding USA, maximum up to Sum Insured. A mandatory Co-Payment of 10% per Claim is applicable in the policy. This benefit is available for 45 continuous days from the date of travel in a single trip and 90 days on a cumulative basis as a whole, in a policy year. The medical expenses payable shall be limited to maternity cover and hospitalization expenses.

3) How can I add a family members to my existing policy?
You can download Change Request form from the Religare Health Insurance website, fill it, and submit it at the nearest branch office along with additional premium. Mid-term policy addition is allowed only for a newborn baby or newly-wed spouse.

4) How can I increase the sum insured of my Religare Health Insurance?
You can download the Change Request form from the Religare Health Insurance website, fill it, and submit it at the nearest branch office along with the revised premium. Sum insured can be increased or decreased only at the time of renewal and not during the policy tenure. In the case of health insurance portability, sum insured cannot be enhanced if there’s a claim in the previous policy.

5) What is Recharge Benefit in the Religare Health Plan?
This is a unique policy benefit offered by Religare Health Insurance Company by which on the sum assured being utilized, it immediately gets recharged to the original sum assured and can be used for different future illness claims. This can be done once a year.

6) What is multiplier benefit?
Under this benefit, during the first claim-free year, the sum insured will increase by 50% and the second claim-free year, the sum insured will be increased by 100%.

7) How can I claim OPD expenses from Religare Health?
You may submit all original medical bills and prescriptions to the insurer for reimbursement of OPD expenses. But make sure OPD expenses is covered in your plan.

8) I’m a Diabetic patient. Is there a customised plan for me?
If you are senior citizen, then you can opt for Religare Health Insurance Care Freedom Plan, which is a specially designed plan for Diabetic patients.

9) Is vaccination covered under OPD benefit?
If supported by a medical prescription, vaccination will be covered under OPD benefit.

10) Can I choose multiple sum insured for my family members?
Yes, within the chosen variant, multiple sum insured can be selected for your dependents.