Religare Health Insurance

Investing in good health is a long-term investment. Therefore, one should ideally spend on a health insurance plan that provides maximum benefits in the times of need.

Religare Health Insurance Co. Ltd. (IRDA Registration no. 148) specializes mainly in health insurance products.

Religare Health Insurance, provides interesting benefits in health insurance policies that closely suit the needs of the customers. Covering up to 6 family members, pre-existing disease after a stipulated waiting period, and pre and post hospitalisation expenses, Religare has some of the best health insurance plans in the insurance space.

Features of Religare Health Insurance

  • No. of members- The plan covers maximum 6 members of your family with up to 2 children and 4 adults.
  • Lifelong Renewal – The plans offered are lifelong renewable hence it saves you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation.
  • Pre & Post hospitalization cover- The plan covers medical expenses for 30 days prior to hospitalization and 60 days post hospitalization only for related medical expenses.
  • Health Check-ups – Offers free health check-up for insured.
  • Pre-existing diseases- Pre-existing diseases are covered after 4 years of waiting period

Benefits of Religare Health and Allied Health Insurance

  • Promoter Synergies: promoted by the founders of Fortis Healthcare and SRL Diagnostics bringing experiences in the field of wellness and healthcare.
  • Wide Network: promises quality treatment at 4100+ leading network hospitals across the country.
  • Settlements: has a good claim-settlement record, which is quite reassuring for potential customers.
  • No-Claim Bonus: for specific products, the no-claim bonus scheme can go up to a whopping 150%.
  • Claim Settlement Ratio: The incurred claim settlement ratio of Religare Health Insurance for F.Y. 2017 - 18 is 51.97%.

List of Religare Health Insurance Plans

Religare Cashless Network Hospitals

Religare has a strong association with over 5240+ leading hospitals across India which provide cashless facility to the patients. You can locate the nearest network hospital from the official website of Religare Health Insurance at religarehealthinsurance.com/health-plan-network-hospitals.html

Religare Health Insurance Plan Add On Covers

The following are the add-on covers which come with Religare Health Insurance:

  • No Claim Bonus Super - Under NCBS, you can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%. This comes up to a sum assured of 150% in 5 years.

  • Everyday care - For your routine visits to the hospital, Religare will provide 1% of your sum Insured for doctor consultation & each diagnostic test.

  • Unlimited Automatic Recharge - Under this add-on cover your sum insured amount if reinstated in your policy every time your sum insured exhausts.

  • Air Ambulance Cover - Religare provides air insurance cover in case you need to be treated in a different city from your residence.

  • Personal Accident Cover - You are entitled coverage for Accidental Death and Permanent Total Disability for up to 10 times of the Sum Insured opted.

  • International Second Opinion - This cover takes into consideration in case you require a second consultation before diving into the treatment.

  • Global Coverage - Be it any part of the world, this add-on provides cashless global coverage in any of Religare’s network listed hospitals located abroad.

Services offered by Religare Health Insurance

Religare Health Insurance Policy Renewal

Religare Health Insurance Policy Renewal - The renewable process for Religare health insurance is simple, quick and hassle-free. All you need are a few basic details such as policy number and your credentials and make the payment electronically via debit/credit/net banking online. You can do the same at religarehealthinsurance.com/proposalcp/renew/index-care.

Religare Health Insurance Customer Care

For online, there is a self-help portal at religarehealthinsurance.com/self-help-portal.html where you can update basic details. Also you can contact them at 1860-500-4488, 1800-200-4488 (Toll Free) or email them at customerfirst@religarehealthinsurance.com.

Claims Process at Religare Health Insurance

There are two ways to make claim under a Health Insurance Policy: on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization.

Religare Health Insurance has a well-defined claim processing system.

Cashless Service: seeking Pre-Authorization

Complete the pre-authorization form available at the hospital’s insurance/TPA Desk. Send the completed form via email or fax. Approved letter will be sent by the claim management team. Remember that the claim management team could send an inquiry to the hospital or you before authorization. In case the authorization is rejected, initiate the treatment and file for reimbursement claim. Reimbursement Claim: Claim Submission

Complete the necessary form and submit along with required documents, as per the policy terms and conditions.

Necessary documents include discharge summary, prescriptions, bills etc.

Approved letter will be sent by the claim management team. Remember that you will be answerable to any queries raised by the claim management team before the letter is issued.

In case the claim is rejected, the reasons will be communicated by the team.

In case of any emergencies, you need to inform Religare within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization. The claim intimation can be done via Religare’s toll free number 1800-200-4488, or fax 1800-200-6677. The same could also be emailed to customerfirst@religarehealthinsurance.com .

Note: If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.

Procedure to Renew Religare Health Insurance Plan Online

Simply visit the official website of Religare Health Insurance Plan at religarehealthinsurance.com/proposalcp/renew/index-care in order to renew your existing policy. You can also submit a service request online and a dedicated customer service professional will get in touch with you within 24 hours.

Exclusions in Religare Secure Health Insurance Plan

  • Any existing disease within 30 days of policy start.

  • Any type of self-inflicted injury.

  • Suicidal tendencies.

  • Alcohol/substance abuse related diseases.

  • Congenital diseases.

  • Infertility/HIV/AIDS.

  • War/Nuclear Fallout/Strikes.

  • Riot/Revolt/Rebellion/Revolution.

Inclusions in Religare Secure Health Insurance Plan

  • Health check-ups.

  • Pre/Post/Domiciliary hospitalization.

  • Recharge of the sum insured.

  • No claim bonus.

  • Alternative and day care treatments.

  • Second opinion/consultation

  • Room rent

Frequently Asked Questions On Religare Health Insurance

How to buy and apply for Religare Health Insurance Policy?

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

Is there a need to buy a Religare Health Insurance Policy?

Yes, Religare Health Insurance provide a comprehensive health insurance plan along with personal accident cover and critical illness cover. Such an ideal combination is a suitable option to meet all of your family member’s health requirements.

How does a family floater plan work under Religare Health Insurance?

A family floater plan is a plan which provides coverage under a floater basis, which means a single premium amount is paid to provide cover for the entire family. You do not need to purchase individual premiums in order to cover for each member of your family.

What is NCB, No Claim Bonus under Religare Health Care Policy?

It is simple, when you do not make a claim within a single year of the policy, you are entitled a benefit in the form of a discount on your subsequent premium in the next year.

Explain the claim and reimbursement processing system under Religare Health Insurance?

In order to make a claim, you need to complete the necessary form and submit the required documents as per the policy terms and conditions at the network hospital. The necessary documents include discharge summary, prescriptions, bills etc. Post submission, the approved letter will be sent by the claim management team. Remember that you will be answerable to any queries raised by the claim management team before the letter is issued. In case the claim is rejected, the reasons will be communicated by the team.

  • In case of any emergencies, you need to inform Religare within 24 hours of the admission.

  • In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization.

  • The claim intimation can be done via Religare’s toll free number 1800-200-4488, or fax 1800-200-6677.

  • The same could also be emailed to customerfirst@religarehealthinsurance.com

How can you cancel your Religare Health Insurance Policy?

Apart from the 15 day free-look period, you can apply for policy cancellation during any time of the policy tenure and the premium will be returned accordingly.

What is the meaning of cashless hospitalization? Does Religare provide it?

Cashless hospitalization is when you do not have to pay a single penny for any test/consultation/surgery/treatment at a hospital. Yes, Religare Health Insurance provides cashless hospitalization at more than 5420+ list of its network hospitals across India and abroad.

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