LETS TALK!

Let us call you back. Just share your number for a call back in less than 15 minutes

+91
We can’t proceed without your mobile number. Help us?
Sigh. We need the reason for call back to pick the right person for the job. Help us?
OR

Is it super urgent? Call us on our Toll Free numbers

BTW, we respond to email queries with lightening fast speed. Send email instead?

THANK YOU FOR CHOOSING COVERFOX!

Someone from the team will get back to you ASAP!

HAVE AN AMAZING DAY!

Oh! Just in case you still need our Toll free

1800 209 9970
Also schedule a callback Also send an email
THANKS!

Your Claim Assistance request has been registered with us.

We will contact you before 11am tomorrow.

If its an emergency, for immediate assistance please feel free to contact our Customer Support Unit on 1800 209 9970
image title

Religare Health Insurance

Religare Health Insurance Co. Ltd. is a brainchild of Religare Enterprises Ltd. (REL), and two major public-sector banking stalwarts - Union Bank of India and Corporation Bank.

Religare Health Insurance Co. Ltd. (IRDA Registration no. 148) specialises mainly in health insurance products. The company also offers travel insurance.

Launched in July 2012, Religare Health Insurance brings together the expertise of Religare Enterprises in investment solutions, stock broking and wealth management and the thick network of customers from the two nationalized banks. The company has interesting health insurance policies that closely suit the needs of the customers.

Products Offered by Religare Health Insurance

Care - Health Insurance Plan

Care is a basic health insurance plan that offers restore benefit, regular health check-up, no claim bonus among other features, apart from regular coverage for hospitalization expenses. The plan is available on both individual and family floater basis. Care also has a no-claim bonus variant where a 50% no-claim bonus is provided after every claim-free year (up to a maximum of 100%). The details of each variant is given below:

Care

Individual Coverage

  • This health insurance policy offers coverage in the range of INR 3,00,000 and INR 60,00,000 for individuals of any age.
  • Besides regular features such as hospital expense cover, ambulance cover etc., the plan also has benefits like restore benefit(automatic restoration of coverage amount in case the coverage amount is exhausted), regular health check-up, pre and post hospitalization cover, daily allowance, no-claim bonus (additional sum assured offered as bonus after every claim free year), no co-pay up to entry age 60 years and is valid for treatments anywhere in the world.

Note: This plan has a room rent limit applicable up to INR 5,00,000.

Family Coverage

  • This is a family floater plan which covers health costs of the entire family in the range of INR 3,00,000 and INR 60,00,000.
  • A maximum of 2 adults and 4 children in the family of any age can be covered under this policy.
  • Besides regular features such as hospital expense cover, ambulance cover etc., the plan also has benefits like restore benefit, no-claim bonus, regular health check-up, pre and post hospitalization cover, daily allowance, no co-pay up to entry age 60 years and is valid for treatments anywhere in the world.

Note: This plan has a room rent limit is applicable up to INR 5,00,000.

Care (Super no-claim bonus)

Individual Coverage

  • This policy offers coverage in the range of INR 3,00,000 and INR 25,00,000 for individuals of any age.
  • Besides regular features covered in the Care Health insurance plan this plan specifically provides no-claim bonus of 50% after every claim free year up to maximum of 100%.

Note: This plan has a room rent limit applicable up to INR 5,00,000.

Family Coverage

  • This policy offers coverage in the range of INR 3,00,000 and INR 25,00,000 for a maximum of 2 adults and 4 children of any age.
  • Besides regular features covered in the Care Health insurance plan this plan specifically provides no claim bonus of 50% after every claim free year up to maximum of 100%.

Note: This plan has a room rent limit is applicable up to INR 5,00,000.

If you want to buy a Religare Care plan on individual or family floater basis, or learn more about the related terms and conditions, click here.

Enhance

Enhance is a top-plan available on individual as well as family floater basis. In these plans, a pre-agreed deductible amount is to be paid at the time of claim. More information about the benefits offered in the plan are mentioned below:

Individual Coverage

  • This is a top-up plan (these plans have a pre-agreed deductible amount to be paid at the time of claim) for individuals from age 1 year up to 70 years.
  • It has a coverage of INR 5,00,000 with a deductible in the range of INR 1,00,000 and INR 10,00,000.
  • Besides regular features such as hospital expense cover, ambulance cover etc., the plan also has benefits like restore benefit, regular health check-up, pre and post hospitalization cover, daily allowance and is valid for treatments anywhere in the world.

Family Coverage

  • This is a family floater top-up plan (these plans have a pre-agreed deductible amount to be paid at the time of claim) for individual in the range of 18 years and 70 years.

  • It has a coverage of INR 5,00,000 with a deductible in range of INR 1,00,000 and INR 10,00,000.

  • Besides regular features such as hospital expense cover, ambulance cover etc., the plan also has benefits like restore benefit, no-claim bonus, regular health check-up, pre and post hospitalisation cover, daily allowance and is valid for treatments anywhere in the world.

To know more about this plan, contact Coverfox.

Religare Assure: Critical Illness and Personal Accident Cover

This is a critical illness benefit plan for individuals for critical illness together with personal accident cover. More information about the coverage is mentioned below:

  • The coverage is in the range of INR 5,00,000 and INR 1,00,00,000.
  • The plan provides benefits of second opinion and health check-up along with personal accident coverage which includes accidental death coverage and permanent total disability cover.
  • A lump sum amount equal to sum insured is paid to the policy holder in case of critical illness or accident.

Religare Assure plan not only provides coverage against the specified critical illnesses, but also offers other benefits like Personal Accident Cover. To know more about this plan, please click here.

Talk to a Health Insurance Advisor

Understand all the benefits of Religare Health Plans

Please enter a valid phone number
Thanks! We will get back to you soon.

I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.

Benefits

Religare offers a variety of competitively priced health insurance policies that could be definitive answers to your specific insurance requirements.

  • 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 Process at Religare

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.

Frequently Asked Questions

How does the auto-recharge system works in Religare?

Religare Health Insurance offers auto-recharge facility on its products. In case the sun insured or any no-claim bonus is exhausted during the policy year, Religare automatically recharges the sum insured. The sum insured will be recharged once in a policy year. This recharged Sum Insured can be used only for future claims. It can not be used against an illness for which a claim has already been made in the current policy year.

Which all documents are required for potability to a Religare health insurance product?

One can for Religare's Care plan with a portability option. Following documents are required for the same:

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

How does no-claim bonus work in the case of Religare's Care plan?

In case of a health insurance policy, a policyholder can use the no-claim bonus for a claim-free year to their benefit the following year.Religare's Care plan offers a 10% increase in the policy sum insured for every claim-free year (with no change in premium). This implies that a policy with a sum insured of Rs 5 lakh, will get an extended cover of Rs 50,000 the following year at the same premium. Another claim-free year will make the policyholder earn another 10% on the base sum insured, so the total will go to Rs 6 lakh. A maximum bonus of up to 50% is permissible. On the other hand, Religare's Care Super plan offers a 50% increase in the policy sum insured for every claim-free year up to maximum 100%.

Which all hospitals are covered under Religare's cashless network?

Cashless services are available at a network hospital. To locate a Religare network hospital near you, click here.