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Religare Care Freedom Plan

Religare Health Insurance

2/5
Religare Health Insurance falls under the wing of Religare Enterprises Limited. This specialized health insurer offers health insurance to individuals and corporates. It offers a range of products for health insurance, critical illness, personal accident, top-up coverages, etc. The Religare Care Freedom plan provides optimum and optional coverage without. Also, you don’t have to undergo the hassles of any medical check-ups prior to issuing the policy. It is categorized into Plan 1 and Plan 2.
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Main Highlight of the plan

  • You don’t have to undergo any pre-policy medical check-up for all ages and sum insured under Plan 1
  • In case of pre-existing diseases only 2-year waiting period is required
  • Your sum insured amount will be automatically recharged if it exhausts your coverage limit
  • You can enjoy lifelong renewability with this policy
  • Enjoy tax benefit on premium paid under Section 80 D of Income Tax Act - 1961

Scope of cover

Indivdual Plan

Entry Age

For children : 1 day - 90 days

Adults : 5 Years

Minimum : 18 years

Maximum : None

Number of Members Covered

Maximum Members : 6

Maximum Adults : 2

Maximum Children : None

Sum Insured


Plan 1: 2 - 5 Lakhs

Plan 2: 2- 10 lakhs


Discount


15% discount for employees and dependents of corporation banks & their subsidiaries; of union banks & their subsidiaries.

7.5% discount on premium for 2-year tenure policy & 10% discount for 3-year tenure policy.

5% family discount if 2 or 3 members of the same family are covered under the same policy.

10% family discount if 4-6 members covered.

Deductible discount applicable with respect to deductible opted


Policy Periods Available

1/2/3 years


Pre-Policy Medical Check-up

Not required for Plan 1

Required for Plan 2: Cost will be borne by company for 2 and 3 year policy tenure. 50% cost will be borne for 1 year policy tenure


Family Floater Plan

Entry Age

For children : 1 day - 90 days

Adults :

Minimum : 18 years

Maximum : None

Number of Members Covered

Maximum Members : 6

Maximum Adults : 2

Maximum Children : 4

Sum Insured


Plan 1: 2 - 5 Lakhs

Plan 2: 2- 10 lakhs


Discount


15% discount for employees and dependents of corporation banks & their subsidiaries; of union banks & their subsidiaries.

7.5% discount on premium for 2-year tenure policy & 10% discount for 3-year tenure policy.

Deductible discount applicable with respect to deductible opted


Policy Periods Available

1/2/3 years


Pre-Policy Medical Check-up

Not required for Plan 1


Required for Plan 2: Cost will be borne by company for 2 and 3 year policy tenure.

50% cost will be borne for 1 year policy tenure


Important Features

Day Care Treatments

Due to scientific advancement, some surgical procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim.

DEDUCTIBLE

A certain deductible amount would be applicable based on the sum insured amount that you have chosen.

Pre Hospitalization

The insurance company will compensate you a certain percentage depending on your sum insured for the medical expenses related to your hospitalization 30 days before the hospitalization.

Post Hospitalization

The insurance company will pay you for the medical expenses related to your hospitalization 60 days post hospitalization.

RECHARGE BENEFITS

Depending on your sum insured amount, 100% of your original sum insured will be recharged once it gets exhausted.

Good to Have Benefits

Daily Hospitalization Allowance

You can avail Rs. 500 – Rs. 1000 a day depending on your sum insured for a maximum of 7 days per hospitalization covered after 3 days.

Health Check-up

In this policy, the policyholder can avail annual health check-ups.

Home Hospitalization/ Domiciliary Hospitalization

You can avail treatment at home up to 10% of base sum assured, covered after 3 days

Emergency Ambulance

This plan provides domestic road ambulance cover up to Rs. 1,000 per hospitalization.

Value Adds

FREE LOOK PERIOD

For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

DIALYSIS COVER

You can receive Rs. 1000 per sitting that is payable up to 24 consecutive months for the dialysis expenses incurred by you.

Terms & Conditions

Room Rent / Room Category

In-patient care is limited up to Twin Sharing Room subject to a maximum of 1% of sum insured per day.

Co-Payment

Co-payment up to 20% - 30% depending on sum insured. The co-payment increases by 10% per claim for those who are 70 years and above. (This is optional but considered mandatory for first time entrants)

Sub-Limits


TREATMENT OF CATARACT: In the event of treatment of Cataract, you can receive up to Rs. 20,000/Rs.30,000 per eye depending on your sum insured.

TREATMENT OF TOTAL KNEE REPLACEMENT: For knee replacement surgeries, you can claim Rs. 70,000 – Rs. 1,20,000 per knee.

TREATMENT OF SEVERAL AILMENTS & PROCEDURES: For treatments of certain listed ailments as mentioned in the policy document, you can claim medical expenses from Rs. 35,000 – Rs. 3,00,000

Add On Covers

OPTIONAL COVER 1

Good Health + It offers OPD Consultation, discounts in pharmacy and wellness center

OPTIONAL COVER 2

Home Care - Your domiciliary hospitalization benefit for up to Rs. 1,000 per day subject to maximum of 7 days of illness/injury and maximum 45 days per policy year covered after a deductible of 1 day.

OPTIONAL COVER 3

Your annual health check-up is upgraded to Diabetes health check-up or Cardiac health check-up.

Permanent Exclusions

  • The Plan will not cover any liabilities towards the treatments of following conditions-
  • Intentional self-injury
  • Mental illness
  • Cosmetic, aesthetic treatment
  • Dental surgery
  • AIDS
  • Pregnancy, childbirth, miscarriage, and abortion
  • Congenital disease
  • Infertility and in vitro fertilization.
  • Hospitalization out of war, riot, strike and nuclear weapons

Review of Religare Health Insurance Care Freedom

This Religare Care Freedom policy is loaded with unique benefits. Individuals of all ages do not have to undergo the hassles of pre-policy medical check-up. Another highlight of this plan is that pre-existing diseases are covered only after 2 years waiting period compared most other plans that have a 3-year waiting period. With features such as wide and flexible sum insured options, discounts, annual health check-up and automatic recharge, this is one plan that you can opt.

**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

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