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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) specializes 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.

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.
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%.

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 Rs.3 lakh and Rs.60 lakh 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 Rs.5 lakh

Family Coverage :

This is a family floater plan, which covers health costs of the entire family in the range of Rs.3 lakh and Rs.60 lakh 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 Rs.5 lakh.

Care (Super no-claim bonus)

Individual Coverage

This policy offers coverage in the range of Rs.3 lakh and Rs.25 lakh 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 Rs.5 lakh

Family Coverage :

This policy offers coverage in the range of Rs.3 lakh and Rs.25 lakh 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 Rs.5 lakh.

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 Rs.5 lakh with a deductible in the range Rs.1 lakh and Rs.10 lakh.

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 coverage of Rs.5 lakh with a deductible in range of Rs.1 lakh and Rs.10 lakh.

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 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 Rs.5 lakh and Rs.1 crore 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 policyholder 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.

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.

Review of Religare Health Insurance

Religare offers wide range of network hospitals offering you quality treatment with leading hospitals in India. Since there is no 3rd party involved, the claim settlement becomes easier, which is why it is one of the most trusted and efficient health insurance companies in India. The products here have been designed keeping the customer’s convenience in mind.

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